Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Southern Banc CoSRNN +0.88%65 Net Margin % is 14.34% as of Mar. 2026, which is 47% above its 10-year median of 9.75. GuruFocus rates SRNN with a GF Score™ of 65/100 and a GF Value™ of $14.40 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,522 Banks companies, Southern Banc Co ranks worse than 87.78% on this metric.
Southern Banc Co (OTCPK:SRNN) 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.
Southern Banc Co Net Margin % Related Terms
Southern Banc Co Net Margin % Historical Data
* Premium members only.
The historical data trend for Southern Banc Co'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, Southern Banc Co'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.
Southern Banc Co Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Southern Banc Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Southern Banc Co'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.
Southern Banc Co (SRNN) has a Net Margin % of 14.34% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Southern Banc Co and its competitors. This is 47% above median its historical median of 9.75. According to the industry distribution chart, Southern Banc Co ranks #1336 out of 1522 companies in the Banks industry, placing it in the top 87.8%.
Is Southern Banc Co's Net Margin % too high?
Southern Banc Co's current Net Margin % of 14.34% is 47% above median its 10-year median of 9.75. The Banks industry median Net Margin % is 27.39. Southern Banc Co's value of 14.34% is 47.6% below this industry median. Based on the distribution chart, Southern Banc Co ranks #1336 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Southern Banc Co has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern Banc Co's Net Margin % compare to SMAL and GLBZ?
According to the Banks industry distribution chart, Southern Banc Co ranks #1336 out of 1522 companies for Net Margin %. This places Southern Banc Co in the lower half of its industry. The industry median Net Margin % is 27.39. Southern Banc Co's value of 14.34% is 47.6% below this benchmark. While the company's 10-year median is 9.75 vs. the industry median of 27.39, Southern Banc Co has consistently been below the industry average. 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 27.39, based on 1,522 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. Southern Banc Co's current Net Margin % of 14.34% is 47.6% below the industry median. 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 Southern Banc Co and its competitors. For the Banks industry, the median Net Margin % is 27.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Banc Co's current Net Margin % is 14.34%, which is 47% above median its own 10-year median of 9.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southern Banc Co stock overvalued right now?
Based on GuruFocus' analysis, Southern Banc Co (SRNN) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.40, compared to a current price of $17.15 — trading 19.1% above its estimated fair value. The current Net Margin % is 14.34%, which is 47% above median its 10-year median of 9.75 and 47.6% below the Banks industry median of 27.39. Southern Banc Co's overall GF Score™ is 65/100 with 5 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 Southern Banc Co (SRNN), the current Net Margin % is 14.34% 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 Southern Banc Co (SRNN) Overvalued in 2026?
Based on GuruFocus' analysis, Southern Banc Co stock appears to be overvalued.
The current stock price of $17.15 is trading 19.1% above its estimated GF Value™ of $14.40.
GuruFocus considers Southern Banc Co to be Modestly Overvalued.
Key valuation signals for SRNN:
Net Margin %: 14.34% (47% above median its 10-year median of 9.75)
GF Value™: $14.40 vs. price of $17.15 (19.1% above fair value)
Industry Position: 47.6% below the Banks median (#1336 of 1522)
No single metric tells the full story. See the SRNN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Southern Banc Co Inc provides personal and business banking solutions. It offers banking solution for every personal banking need including Personal Checking, Mortgage Loans, Consumer Loans, and Home Equity Lines of Credit. The principal business of the Bank consists of accepting deposits from the general public through the Bank's main and branch offices and investing those funds in loans secured by real estate properties, commercial and consumer loans located in the Bank's primary market area, and factoring. The company serves small and medium-sized business customers the United States.
65GF Score
Get the complete analysis for SRNN
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SRNN has been successfully added to your 
