SBNCM.PFD (Southern Bancshares NC) OCF Margin %: 35.30% (As of Dec. 2025) — 65% Above Median

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What is Southern Bancshares NC OCF Margin %?

Southern Bancshares NC SBNCM.PFD OCF Margin % is 35.30% as of Dec. 2025, which is 65% above its 10-year median of 21.34. The stock has 6 warning signs investors should review. Among 1,500 Banks companies, Southern Bancshares NC ranks better than 59.73% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Southern Bancshares NC's Cash Flow from Operations for the six months ended in Dec. 2025 was $70.15 Mil. Southern Bancshares NC's Revenue for the six months ended in Dec. 2025 was $198.71 Mil. Therefore, Southern Bancshares NC's OCF Margin % for the quarter that ended in Dec. 2025 was 35.30%.

As of today, Southern Bancshares NC's current OCF Yield % is 7.40%.

The historical rank and industry rank for Southern Bancshares NC's OCF Margin % or its related term are showing as below:


During the past 7 years, the highest OCF Margin % of Southern Bancshares NC was 45.13%. The lowest was 12.50%. And the median was 21.34%.

SBNCM.PFD's OCF Margin % is not ranked *
in the Banks industry.
Industry Median: 29.45
* Ranked among companies with meaningful OCF Margin % only.

Southern Bancshares NC OCF Margin % Related Terms

Southern Bancshares NC OCF Margin % Historical Data

* Premium members only.

The historical data trend for Southern Bancshares NC's OCF 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.

Southern Bancshares NC OCF Margin % Chart

Southern Bancshares NC Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial 27.59 45.13 14.51 12.50 35.30

Southern Bancshares NC Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin % Get a 7-Day Free Trial 27.59 45.13 14.51 12.50 35.30

Southern Bancshares NC OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Southern Bancshares NC's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=70.147/198.706
=35.30 %

Southern Bancshares NC's OCF Margin for the quarter that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=70.147/198.706
=35.30 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of 35.30% mean?
Southern Bancshares NC (SBNCM.PFD) 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 #604 out of 1500 companies in the Banks industry, placing it in the top 40.3%.
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 29.45. Southern Bancshares NC's value of 35.30% is 19.9% above this industry median. Based on the distribution chart, Southern Bancshares NC ranks #604 out of 1500 companies in the Banks industry, which is above the industry midpoint.
How does Southern Bancshares NC's OCF Margin % compare to NBBK and THFF?
According to the Banks industry distribution chart, Southern Bancshares NC ranks #604 out of 1500 companies for OCF Margin %. This puts Southern Bancshares NC in the upper half of its industry. The industry median OCF Margin % is 29.45. Southern Bancshares NC's value of 35.30% is 19.9% 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 29.45, 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 29.45, based on 1,500 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 19.9% 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 29.45 — 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 (SBNCM.PFD) has a current OCF Margin % of 35.30%. The current OCF Margin % is 35.30%, which is 65% above median its 10-year median of 21.34 and 19.9% above the Banks industry median of 29.45. 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 (SBNCM.PFD), 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.

Southern Bancshares NC Business Description

Other Exchanges SBNC:USA
Address 116 E. Main Street, PO Box 729, Mount Olive, NC, USA, 28365
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.