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Southern Bancshares NCSBNC 15 Dividend Payout Ratio is 0.03 as of Dec. 2025, which is 50% above its 10-year median of 0.02. 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 1,175 Banks companies, Southern Bancshares NC ranks better than 98.98% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Southern Bancshares NC's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.03.
The historical rank and industry rank for Southern Bancshares NC's Dividend Payout Ratio or its related term are showing as below:
SBNC'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.01 Med: 0.02 Max: 0.07
Current: 0.03
During the past 7 years, the highest Dividend Payout Ratio of Southern Bancshares NC was 0.07. The lowest was 0.01. And the median was 0.02.
SBNC's Dividend Payout Ratio is ranked better than 98.98% of 1175
companies
in the Banks industry
Industry Median: 0.32
vs SBNC: 0.03
During the past 7 years, the highest Trailing Annual Dividend Yield of Southern Bancshares NC was 0.53%. The lowest was 0.19%. And the median was 0.31%.
During the past 5 years, the average Dividends Per Share Growth Rate was 9.70% per year.
During the past 7 years, the highest 3-Year average Dividends Per Share Growth Rate of Southern Bancshares NC was 35.70% per year. The lowest was 0.00% per year. And the median was 13.15% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Southern Bancshares NC (OTCPK:SBNC) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Southern Bancshares NC Dividend Payout Ratio Related Terms
Southern Bancshares NC Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Southern Bancshares NC's Dividend Payout Ratio 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 Dividend Payout Ratio Chart
SBNC vs MPB, CAC, HAFC: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Southern Bancshares NC's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Southern Bancshares NC's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Southern Bancshares NC's Dividend Payout Ratio falls into.
Southern Bancshares NC Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Southern Bancshares NC's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.03 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Southern Bancshares NC and its competitors. This is 50% above median its historical median of 0.02. Over the past decade, Southern Bancshares NC's Dividend Payout Ratio has ranged from 0.01 to 0.07. According to the industry distribution chart, Southern Bancshares NC ranks #12 out of 1175 companies in the Banks industry, placing it in the top 1%.
Is Southern Bancshares NC's Dividend Payout Ratio too high?
Southern Bancshares NC's current Dividend Payout Ratio of 0.03 is 50% above median its 10-year median of 0.02. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.07. The Banks industry median Dividend Payout Ratio is 0.32. Southern Bancshares NC's value of 0.03 is 90.6% below this industry median. Based on the distribution chart, Southern Bancshares NC ranks #12 out of 1175 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Dividend Payout Ratio compare to MPB and CAC?
According to the Banks industry distribution chart, Southern Bancshares NC ranks #12 out of 1175 companies for Dividend Payout Ratio. This places Southern Bancshares NC in the top 1% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Southern Bancshares NC's value of 0.03 is 90.6% below this benchmark. Historically, Southern Bancshares NC's own Dividend Payout Ratio has ranged from 0.01 to 0.07 over the past decade. While the company's 10-year median is 0.02 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,175 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern Bancshares NC's current Dividend Payout Ratio of 0.03 is 90.6% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Southern Bancshares NC and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Bancshares NC's current Dividend Payout Ratio is 0.03, which is 50% above median its own 10-year median of 0.02. 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 Dividend Payout Ratio of 0.03. 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 Dividend Payout Ratio is 0.03, which is 50% above median its 10-year median of 0.02 and 90.6% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Southern Bancshares NC (SBNC), the current Dividend Payout Ratio is 0.03 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:
Dividend Payout Ratio: 0.03 (50% above median its 10-year median of 0.02)
GF Value™: $6,572.41 vs. price of $13,200.01 (100.8% above fair value)
Industry Position: 90.6% below the Banks median (#12 of 1175)
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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