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Southern Bancshares NCSBNC 15 OCF Margin % is 35.30% as of Dec. 2025, which is 65% above its 10-year median of 21.34. GuruFocus rates SBNC with a GF Score™ of 15/100 and a GF Value™ of $6,572.41. The stock has 6 warning signs investors should review. Among 1,498 Banks companies, Southern Bancshares NC ranks better than 60.08% on this metric.
* 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 Bancshares NC's OCF Margin %, along with its competitors' market caps and OCF 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 Bancshares NC OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Southern Bancshares NC's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Southern Bancshares NC's OCF 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 Bancshares NC (SBNC) has a OCF Margin % of 35.30% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Southern Bancshares NC and its competitors. This is 65% above median its historical median of 21.34. Over the past decade, Southern Bancshares NC's OCF Margin % has ranged from 12.50 to 45.13. According to the industry distribution chart, Southern Bancshares NC ranks #598 out of 1498 companies in the Banks industry, placing it in the top 39.9%.
Is Southern Bancshares NC's OCF Margin % too high?
Southern Bancshares NC's current OCF Margin % of 35.30% is 65% above median its 10-year median of 21.34. Over the past 10 years, this metric has ranged from a low of 12.50 to a high of 45.13. The Banks industry median OCF Margin % is 29.00. Southern Bancshares NC's value of 35.30% is 21.7% above this industry median. Based on the distribution chart, Southern Bancshares NC ranks #598 out of 1498 companies in the Banks industry, which is above the industry midpoint. Overall, Southern Bancshares NC has a GF Score™ of 15/100, reflecting its overall financial health beyond just this single metric.
How does Southern Bancshares NC's OCF Margin % compare to MPB and CAC?
According to the Banks industry distribution chart, Southern Bancshares NC ranks #598 out of 1498 companies for OCF Margin %. This puts Southern Bancshares NC in the upper half of its industry. The industry median OCF Margin % is 29.00. Southern Bancshares NC's value of 35.30% is 21.7% above this benchmark. Historically, Southern Bancshares NC's own OCF Margin % has ranged from 12.50 to 45.13 over the past decade. While the company's 10-year median is 21.34 vs. the industry median of 29.00, Southern Bancshares NC has consistently been above 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.00, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern Bancshares NC's current OCF Margin % of 35.30% is 21.7% above 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Southern Bancshares NC and its competitors. For the Banks industry, the median OCF Margin % is 29.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Bancshares NC's current OCF Margin % is 35.30%, which is 65% above median its own 10-year median of 21.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southern Bancshares NC stock overvalued right now?
Southern Bancshares NC (SBNC) has a current OCF Margin % of 35.30%. The stock's GF Value™ is $6,572.41, compared to a current price of $13,200.01 — trading 100.8% above its estimated fair value. The current OCF Margin % is 35.30%, which is 65% above median its 10-year median of 21.34 and 21.7% above the Banks industry median of 29.00. Southern Bancshares NC's overall GF Score™ is 15/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Southern Bancshares NC (SBNC), the current OCF Margin % is 35.30% as of Dec. 2025. 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 Bancshares NC (SBNC) Overvalued in 2026?
Based on GuruFocus' analysis, Southern Bancshares NC stock appears to be overvalued.
The current stock price of $13,200.01 is trading 100.8% above its estimated GF Value™ of $6,572.41.
Key valuation signals for SBNC:
OCF Margin %: 35.30% (65% above median its 10-year median of 21.34)
GF Value™: $6,572.41 vs. price of $13,200.01 (100.8% above fair value)
Industry Position: 21.7% above the Banks median (#598 of 1498)
No single metric tells the full story. See the SBNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Southern Bancshares NC Inc is a bank holding company that provides financial and banking services. The services include personal banking, business banking, and mortgage banking services including checking, savings, loans, and mortgage services. It operates 45 banking offices in eastern North Carolina and 10 banking offices in Virginia.
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