The historical rank and industry rank for Southpoint Bancshares's Net Margin % or its related term are showing as below:
SOUB'
s Net Margin % Range Over the Past 10 Years
Min: -23.38 Med: 22.28 Max: 26.36
Current: -23.38
SOUB's Net Margin % is ranked worse than 97.71% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs SOUB: -23.38
Southpoint Bancshares (OTCPK:SOUB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Southpoint Bancshares Net Margin % Related Terms
Southpoint Bancshares Net Margin % Historical Data
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The historical data trend for Southpoint Bancshares's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Southpoint Bancshares's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Southpoint Bancshares Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Southpoint Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Southpoint Bancshares's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Southpoint Bancshares (SOUB) has a Net Margin % of -10.07% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Southpoint Bancshares and its competitors. According to the industry distribution chart, Southpoint Bancshares ranks #1495 out of 1530 companies in the Banks industry, placing it in the top 97.7%.
Is Southpoint Bancshares' Net Margin % too high?
Southpoint Bancshares' current Net Margin % is -10.07%. Based on the distribution chart, Southpoint Bancshares ranks #1495 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Southpoint Bancshares has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Southpoint Bancshares' Net Margin % compare to TMAK and ESBS?
According to the Banks industry distribution chart, Southpoint Bancshares ranks #1495 out of 1530 companies for Net Margin %. This places Southpoint Bancshares in the lower half of its industry. The industry median Net Margin % is 26.85. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Southpoint Bancshares and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southpoint Bancshares's current Net Margin % is -10.07%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southpoint Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Southpoint Bancshares (SOUB) is currently considered Possible Value Trap. The stock's GF Value™ is $28.54, compared to a current price of $14.11 — trading 50.6% below its estimated fair value. The current Net Margin % is -10.07%. Southpoint Bancshares' overall GF Score™ is 53/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Southpoint Bancshares (SOUB), the current Net Margin % is -10.07% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Southpoint Bancshares (SOUB) Overvalued in 2026?
Based on GuruFocus' analysis, Southpoint Bancshares stock appears to be undervalued.
The current stock price of $14.11 is trading 50.6% below its estimated GF Value™ of $28.54.
GuruFocus considers Southpoint Bancshares to be Possible Value Trap.
Key valuation signals for SOUB:
Net Margin %: -10.07%
GF Value™: $28.54 vs. price of $14.11 (50.6% below fair value)
No single metric tells the full story. See the SOUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Southpoint Bancshares Inc operates mainly in the domestic commercial banking industry. Through its banking subsidiary, it provides full-service banking to customers mainly located in central Alabama, which predominantly includes offering different types of deposit products and granting commercial, real estate, and consumer loans to customers. These banking products and services are offered through several branch locations in central Alabama and loan production offices located throughout the State of Alabama.
53GF Score
Get the complete analysis for SOUB
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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