Southpoint BancsharesSOUB +0.07%53 PB Ratio is 0.51 as of Jul. 04, 2026, which is 22% below its 10-year median of 0.65. GuruFocus rates SOUB with a GF Score™ of 53/100 and a GF Value™ of $28.57 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,517 Banks companies, Southpoint Bancshares ranks better than 87.74% on this metric.
The historical rank and industry rank for Southpoint Bancshares's PB Ratio or its related term are showing as below:
SOUB'
s PB Ratio Range Over the Past 10 Years
Min: 0.4 Med: 0.65 Max: 1.19
Current: 0.51
During the past 9 years, Southpoint Bancshares's highest PB Ratio was 1.19. The lowest was 0.40. And the median was 0.65.
SOUB's PB Ratio is ranked better than 87.74% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs SOUB: 0.51
During the past 12 months, Southpoint Bancshares's average Book Value Per Share Growth Rate was -12.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -1.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.60% per year.
During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of Southpoint Bancshares was 19.60% per year. The lowest was -1.80% per year. And the median was 16.85% per year.
Back to Basics: PB Ratio
Southpoint Bancshares (OTCPK:SOUB) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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, Southpoint Bancshares's PB Ratio, along with its competitors' market caps and PB 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.
Southpoint Bancshares PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Southpoint Bancshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where Southpoint Bancshares's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Southpoint Bancshares (SOUB) has a PB Ratio of 0.51 as of Jul. 04, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Southpoint Bancshares and its competitors. This is 22% below median its historical median of 0.65. Over the past decade, Southpoint Bancshares' PB Ratio has ranged from 0.40 to 1.19. According to the industry distribution chart, Southpoint Bancshares ranks #186 out of 1517 companies in the Banks industry, placing it in the top 12.3%.
Is Southpoint Bancshares' PB Ratio too high?
Southpoint Bancshares' current PB Ratio of 0.51 is 22% below median its 10-year median of 0.65. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 1.19. The Banks industry median PB Ratio is 1.10. Southpoint Bancshares' value of 0.51 is 53.6% below this industry median. Based on the distribution chart, Southpoint Bancshares ranks #186 out of 1517 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Southpoint Bancshares has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Southpoint Bancshares' PB Ratio compare to TMAK and ESBS?
According to the Banks industry distribution chart, Southpoint Bancshares ranks #186 out of 1517 companies for PB Ratio. This places Southpoint Bancshares in the top 12% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.10. Southpoint Bancshares' value of 0.51 is 53.6% below this benchmark. Historically, Southpoint Bancshares' own PB Ratio has ranged from 0.40 to 1.19 over the past decade. While the company's 10-year median is 0.65 vs. the industry median of 1.10, Southpoint Bancshares 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southpoint Bancshares's current PB Ratio of 0.51 is 53.6% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Southpoint Bancshares and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southpoint Bancshares's current PB Ratio is 0.51, which is 22% below median its own 10-year median of 0.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southpoint Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Southpoint Bancshares (SOUB) is currently considered Possible Value Trap. The stock's GF Value™ is $28.57, compared to a current price of $14.22 — trading 50.2% below its estimated fair value. The current PB Ratio is 0.51, which is 22% below median its 10-year median of 0.65 and 53.6% below the Banks industry median of 1.10. Southpoint Bancshares' overall GF Score™ is 53/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Southpoint Bancshares (SOUB), the current PB Ratio is 0.51 as of Jul. 04, 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 Southpoint Bancshares (SOUB) Overvalued in 2026?
Based on GuruFocus' analysis, Southpoint Bancshares stock appears to be undervalued.
The current stock price of $14.22 is trading 50.2% below its estimated GF Value™ of $28.57.
GuruFocus considers Southpoint Bancshares to be Possible Value Trap.
Key valuation signals for SOUB:
PB Ratio: 0.51 (22% below median its 10-year median of 0.65)
GF Value™: $28.57 vs. price of $14.22 (50.2% below fair value)
Industry Position: 53.6% below the Banks median (#186 of 1517)
No single metric tells the full story. See the SOUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Southpoint Bancshares Inc operates mainly in the domestic commercial banking industry. Through its banking subsidiary, it provides full-service banking to customers mainly located in central Alabama, which predominantly includes offering different types of deposit products and granting commercial, real estate, and consumer loans to customers. These banking products and services are offered through several branch locations in central Alabama and loan production offices located throughout the State of Alabama.
53GF Score
Get the complete analysis for SOUB
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SOUB has been successfully added to your 
