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 Bancshares NCSBNCM.PFD OCF Yield % is 7.40 as of Jul. 15, 2026, which is 22% below its 10-year median of 9.48. The stock has 6 warning signs investors should review. Among 1,500 Banks companies, Southern Bancshares NC ranks worse than 58.33% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Southern Bancshares NC OCF Yield % Related Terms
Southern Bancshares NC OCF Yield % Historical Data
* 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.
SBNCM.PFD vs NBBK, THFF, CAC: OCF Yield % Comparison
For the Banks - Regional subindustry, Southern Bancshares NC's OCF Yield %, along with its competitors' market caps and OCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Southern Bancshares NC's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Southern Bancshares NC's OCF Yield % 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 (SBNCM.PFD) has a OCF Yield % of 7.40 as of Jul. 15, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Southern Bancshares NC and its competitors. This is 22% below median its historical median of 9.48. Over the past decade, Southern Bancshares NC's OCF Yield % has ranged from 4.55 to 17.16. According to the industry distribution chart, Southern Bancshares NC ranks #875 out of 1500 companies in the Banks industry, placing it in the top 58.3%.
Is Southern Bancshares NC's OCF Yield % too high?
Southern Bancshares NC's current OCF Yield % of 7.40 is 22% below median its 10-year median of 9.48. Over the past 10 years, this metric has ranged from a low of 4.55 to a high of 17.16. The Banks industry median OCF Yield % is 9.25. Southern Bancshares NC's value of 7.40 is 20% below this industry median. Based on the distribution chart, Southern Bancshares NC ranks #875 out of 1500 companies in the Banks industry, which is below the industry midpoint.
How does Southern Bancshares NC's OCF Yield % compare to NBBK and THFF?
According to the Banks industry distribution chart, Southern Bancshares NC ranks #875 out of 1500 companies for OCF Yield %. This places Southern Bancshares NC in the lower half of its industry. The industry median OCF Yield % is 9.25. Southern Bancshares NC's value of 7.40 is 20% below this benchmark. Historically, Southern Bancshares NC's own OCF Yield % has ranged from 4.55 to 17.16 over the past decade. While the company's 10-year median is 9.48 vs. the industry median of 9.25, Southern Bancshares NC 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.25, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern Bancshares NC's current OCF Yield % of 7.40 is 20% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Southern Bancshares NC and its competitors. For the Banks industry, the median OCF Yield % is 9.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Bancshares NC's current OCF Yield % is 7.40, which is 22% below median its own 10-year median of 9.48. 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 Yield % of 7.40. The current OCF Yield % is 7.40, which is 22% below median its 10-year median of 9.48 and 20% below the Banks industry median of 9.25. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Southern Bancshares NC (SBNCM.PFD), the current OCF Yield % is 7.40 as of Jul. 15, 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.
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.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SBNCM.PFD has been successfully added to your 
