South Atlantic BancsharesSABK +0.04%69 PB Ratio is 1.40 as of Jun. 29, 2026, which is 32% above its 10-year median of 1.06. GuruFocus rates SABK with a GF Score™ of 69/100 and a GF Value™ of $19.36 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,519 Banks companies, South Atlantic Bancshares ranks worse than 72.55% on this metric.
South Atlantic Bancshares Inc stock PB Ratio (=1.4) is close to 5-year high of 1.43.
The historical rank and industry rank for South Atlantic Bancshares's PB Ratio or its related term are showing as below:
SABK'
s PB Ratio Range Over the Past 10 Years
Min: 0.6 Med: 1.06 Max: 1.84
Current: 1.4
During the past 13 years, South Atlantic Bancshares's highest PB Ratio was 1.84. The lowest was 0.60. And the median was 1.06.
SABK's PB Ratio is ranked worse than 72.55% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs SABK: 1.40
During the past 12 months, South Atlantic Bancshares's average Book Value Per Share Growth Rate was 16.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 14.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of South Atlantic Bancshares was 15.70% per year. The lowest was 0.40% per year. And the median was 9.70% per year.
Back to Basics: PB Ratio
South Atlantic Bancshares (OTCPK:SABK) 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.
South Atlantic Bancshares PB Ratio Related Terms
South Atlantic Bancshares PB Ratio 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.
For the Banks - Regional subindustry, South Atlantic 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.
South Atlantic Bancshares PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, South Atlantic Bancshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where South Atlantic 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.
South Atlantic Bancshares (SABK) has a PB Ratio of 1.40 as of Jun. 29, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on South Atlantic Bancshares and its competitors. This is 32% above median its historical median of 1.06. Over the past decade, South Atlantic Bancshares' PB Ratio has ranged from 0.60 to 1.84. According to the industry distribution chart, South Atlantic Bancshares ranks #1102 out of 1519 companies in the Banks industry, placing it in the top 72.5%.
Is South Atlantic Bancshares' PB Ratio too high?
South Atlantic Bancshares' current PB Ratio of 1.40 is 32% above median its 10-year median of 1.06. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 1.84. The Banks industry median PB Ratio is 1.09. South Atlantic Bancshares' value of 1.40 is 28.4% above this industry median. Based on the distribution chart, South Atlantic Bancshares ranks #1102 out of 1519 companies in the Banks industry, which is below the industry midpoint. Overall, South Atlantic Bancshares has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does South Atlantic Bancshares' PB Ratio compare to RBKB and CSBB?
According to the Banks industry distribution chart, South Atlantic Bancshares ranks #1102 out of 1519 companies for PB Ratio. This places South Atlantic Bancshares in the lower half of its industry. The industry median PB Ratio is 1.09. South Atlantic Bancshares' value of 1.40 is 28.4% above this benchmark. Historically, South Atlantic Bancshares' own PB Ratio has ranged from 0.60 to 1.84 over the past decade. While the company's 10-year median is 1.06 vs. the industry median of 1.09, South Atlantic Bancshares 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,519 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. South Atlantic Bancshares's current PB Ratio of 1.40 is 28.4% 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 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 South Atlantic Bancshares and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. South Atlantic Bancshares's current PB Ratio is 1.40, which is 32% above median its own 10-year median of 1.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is South Atlantic Bancshares stock overvalued right now?
Based on GuruFocus' analysis, South Atlantic Bancshares (SABK) is currently considered Significantly Overvalued. The stock's GF Value™ is $19.36, compared to a current price of $25.50 — trading 31.7% above its estimated fair value. The current PB Ratio is 1.40, which is 32% above median its 10-year median of 1.06 and 28.4% above the Banks industry median of 1.09. South Atlantic Bancshares' overall GF Score™ is 69/100 with 7 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 South Atlantic Bancshares (SABK), the current PB Ratio is 1.40 as of Jun. 29, 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 South Atlantic Bancshares (SABK) Overvalued in 2026?
Based on GuruFocus' analysis, South Atlantic Bancshares stock appears to be overvalued.
The current stock price of $25.50 is trading 31.7% above its estimated GF Value™ of $19.36.
GuruFocus considers South Atlantic Bancshares to be Significantly Overvalued.
Key valuation signals for SABK:
PB Ratio: 1.40 (32% above median its 10-year median of 1.06)
GF Value™: $19.36 vs. price of $25.50 (31.7% above fair value)
Industry Position: 28.4% above the Banks median (#1102 of 1519)
No single metric tells the full story. See the SABK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
South Atlantic Bancshares Inc is A United States-based bank holding company. Through its banking subsidiary, it provides banking services to domestic markets, principally in Horry, Georgetown, Charleston, and Beaufort counties, South Carolina. Its financial products and service offerings include personal and business checking, savings, and money market accounts; residential mortgages, commercial loans, lines of credit; telephone and online banking, ATM services; and debit and credit cards, among others.
69GF Score
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