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Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Southpoint Bancshares's annualizedNet Income for the quarter that ended in Mar. 2026 was $-5.09 Mil. Southpoint Bancshares's average total tangible assets for the quarter that ended in Mar. 2026 was $1,496.59 Mil. Therefore, Southpoint Bancshares's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was -0.34%.
The historical rank and industry rank for Southpoint Bancshares's Return-on-Tangible-Asset or its related term are showing as below:
SOUB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.84 Med: 1.21 Max: 1.49
Current: -0.84
During the past 9 years, Southpoint Bancshares's highest Return-on-Tangible-Asset was 1.49%. The lowest was -0.84%. And the median was 1.21%.
SOUB's Return-on-Tangible-Asset is ranked worse than 97.45% of 1532
companies
in the Banks industry
Industry Median: 0.99
vs SOUB: -0.84
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Southpoint Bancshares Return-on-Tangible-Asset Related Terms
Southpoint Bancshares Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Southpoint Bancshares's Return-on-Tangible-Asset 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.
SOUB vs TMAK, ESBS, SCYT: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Southpoint Bancshares's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Southpoint Bancshares's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Southpoint Bancshares's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of -0.34% mean?
Southpoint Bancshares (SOUB) has a Return-on-Tangible-Asset of -0.34% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Southpoint Bancshares and its competitors. According to the industry distribution chart, Southpoint Bancshares ranks #1493 out of 1532 companies in the Banks industry, placing it in the top 97.5%.
Is Southpoint Bancshares' Return-on-Tangible-Asset too high?
Southpoint Bancshares' current Return-on-Tangible-Asset is -0.34%. Based on the distribution chart, Southpoint Bancshares ranks #1493 out of 1532 companies in the Banks industry, which is in the bottom quartile 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' Return-on-Tangible-Asset compare to TMAK and ESBS?
According to the Banks industry distribution chart, Southpoint Bancshares ranks #1493 out of 1532 companies for Return-on-Tangible-Asset. This places Southpoint Bancshares in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Southpoint Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southpoint Bancshares's current Return-on-Tangible-Asset is -0.34%. 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 $28.59, compared to a current price of $14.30 — trading 50% below its estimated fair value. The current Return-on-Tangible-Asset is -0.34%. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Southpoint Bancshares (SOUB), the current Return-on-Tangible-Asset is -0.34% as of Mar. 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 $14.30 is trading 50% below its estimated GF Value™ of $28.59.
GuruFocus considers Southpoint Bancshares to be Possible Value Trap.
Key valuation signals for SOUB:
Return-on-Tangible-Asset: -0.34%
GF Value™: $28.59 vs. price of $14.30 (50% below fair value)
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
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