SBNC (Southern Bancshares NC) PS Ratio: (As of Sep. 17, 2026)

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Director of Data and Quant Analytics at GuruFocus
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SBNC Southern Bancshares NC Inc SBNC
17 GF Score
Price $13,250.00
GF Value $6,691.44
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Southern Bancshares NC PS Ratio?

The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Southern Bancshares NC's share price is $13250.00. Southern Bancshares NC does not have enough years/quarters to calculate the Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025. Therefore GuruFocus does not calculate PS Ratio at this moment.

Warning Sign:

Southern Bancshares NC Inc stock PS Ratio (=4.91) is close to 10-year high of 5.1.

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

SBNC' s PS Ratio Range Over the Past 10 Years
Min: 1.43   Med: 2.17   Max: 5.1
Current: 5

During the past 6 years, Southern Bancshares NC's highest PS Ratio was 5.10. The lowest was 1.43. And the median was 2.17.

SBNC's PS Ratio is ranked worse than
81.94% of 1506 companies
in the Banks industry
Industry Median: 3.08 vs SBNC: 5.00

Southern Bancshares NC's Revenue per Sharefor the three months ended in Dec. 2025 was $696.62.

Warning Sign:

Southern Bancshares NC Inc revenue per share is in decline over the past 12 months.

During the past 12 months, the average Revenue per Share Growth Rate of Southern Bancshares NC was -33.90% per year. During the past 3 years, the average Revenue per Share Growth Rate was 14.00% per year. During the past 5 years, the average Revenue per Share Growth Rate was 11.60% per year.

During the past 6 years, Southern Bancshares NC's highest 3-Year average Revenue per Share Growth Rate was 25.20% per year. The lowest was -1.80% per year. And the median was 15.25% per year.

Back to Basics: PS Ratio


Southern Bancshares NC  (OTCPK:SBNC) PS Ratio Explanation

The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.

When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.

Similar to the PE Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PS Ratio measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.


Southern Bancshares NC PS Ratio Related Terms


Southern Bancshares NC PS Ratio Historical Data

* Premium members only.

The historical data trend for Southern Bancshares NC's PS 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 PS Ratio Chart

Southern Bancshares NC Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PS Ratio
Get a 7-Day Free Trial 2.17 2.38 2.89 3.95 4.09

Southern Bancshares NC Quarterly Data
Dec25
PS Ratio 0.00

SBNC vs CPF, TRST, AGBK: PS Ratio Comparison

For the Banks - Regional subindustry, Southern Bancshares NC's PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Southern Bancshares NC's PS Ratio distribution charts can be found below:

* The bar in red indicates where Southern Bancshares NC's PS Ratio falls into.


SBNC
17GF Score
Southern Bancshares NC Inc SBNC
PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Southern Bancshares NC PS Ratio Calculation

The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.

Southern Bancshares NC's PS Ratio for today is calculated as

PS Ratio=Share Price/Revenue per Share (TTM)
=13250.00/
=

It can also be calculated from the numbers for the whole company:

PS Ratio=Market Cap/Revenue

The Revenue here is for the trailing 12 months.

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 $13,250.00 is trading 98% above its estimated GF Value™ of $6,691.44. GuruFocus considers Southern Bancshares NC to be Significantly Overvalued.

Key valuation signals for SBNC:

  • PS Ratio:
  • GF Value™: $6,691.44 vs. price of $13,250.00 (98% above fair value)
  • GF Score™: 17/100 with 6 warning signs

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 Business Description

Other Exchanges SBNCM.PFD: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.
17GF Score

Get the complete analysis for SBNC

PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$13,250.00
Price
$6,691.44
GF Value