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Southern Banc CoSRNN 64 Return-on-Tangible-Equity is 8.11% as of Mar. 2026, which is 104% above its 10-year median of 3.97. GuruFocus rates SRNN with a GF Score™ of 64/100 and a GF Value™ of $14.40 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,515 Banks companies, Southern Banc Co ranks worse than 78.68% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Southern Banc Co's annualized net income for the quarter that ended in Mar. 2026 was $1.45 Mil. Southern Banc Co's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $17.90 Mil. Therefore, Southern Banc Co's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 8.11%.
The historical rank and industry rank for Southern Banc Co's Return-on-Tangible-Equity or its related term are showing as below:
SRNN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -9.9 Med: 3.97 Max: 21.79
Current: 6.18
During the past 13 years, Southern Banc Co's highest Return-on-Tangible-Equity was 21.79%. The lowest was -9.90%. And the median was 3.97%.
SRNN's Return-on-Tangible-Equity is ranked worse than 78.68% of 1515
companies
in the Banks industry
Industry Median: 11.46
vs SRNN: 6.18
Southern Banc Co (OTCPK:SRNN) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Southern Banc Co Return-on-Tangible-Equity Related Terms
Southern Banc Co Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Southern Banc Co's Return-on-Tangible-Equity 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.
SRNN vs SMAL, GLBZ, ASCN: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Southern Banc Co's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Banc Co Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Southern Banc Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Southern Banc Co's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 8.11% mean?
Southern Banc Co (SRNN) has a Return-on-Tangible-Equity of 8.11% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Southern Banc Co and its competitors. This is 104% above median its historical median of 3.97. According to the industry distribution chart, Southern Banc Co ranks #1192 out of 1515 companies in the Banks industry, placing it in the top 78.7%.
Is Southern Banc Co's Return-on-Tangible-Equity too high?
Southern Banc Co's current Return-on-Tangible-Equity of 8.11% is 104% above median its 10-year median of 3.97. The Banks industry median Return-on-Tangible-Equity is 11.46. Southern Banc Co's value of 8.11% is 29.2% below this industry median. Based on the distribution chart, Southern Banc Co ranks #1192 out of 1515 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Southern Banc Co has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern Banc Co's Return-on-Tangible-Equity compare to SMAL and GLBZ?
According to the Banks industry distribution chart, Southern Banc Co ranks #1192 out of 1515 companies for Return-on-Tangible-Equity. This places Southern Banc Co in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.46. Southern Banc Co's value of 8.11% is 29.2% below this benchmark. While the company's 10-year median is 3.97 vs. the industry median of 11.46, Southern Banc Co 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.46, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern Banc Co's current Return-on-Tangible-Equity of 8.11% is 29.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Southern Banc Co and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Banc Co's current Return-on-Tangible-Equity is 8.11%, which is 104% above median its own 10-year median of 3.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southern Banc Co stock overvalued right now?
Based on GuruFocus' analysis, Southern Banc Co (SRNN) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.40, compared to a current price of $17.15 — trading 19.1% above its estimated fair value. The current Return-on-Tangible-Equity is 8.11%, which is 104% above median its 10-year median of 3.97 and 29.2% below the Banks industry median of 11.46. Southern Banc Co's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Southern Banc Co (SRNN), the current Return-on-Tangible-Equity is 8.11% 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 Southern Banc Co (SRNN) Overvalued in 2026?
Based on GuruFocus' analysis, Southern Banc Co stock appears to be overvalued.
The current stock price of $17.15 is trading 19.1% above its estimated GF Value™ of $14.40.
GuruFocus considers Southern Banc Co to be Modestly Overvalued.
Key valuation signals for SRNN:
Return-on-Tangible-Equity: 8.11% (104% above median its 10-year median of 3.97)
GF Value™: $14.40 vs. price of $17.15 (19.1% above fair value)
Industry Position: 29.2% below the Banks median (#1192 of 1515)
No single metric tells the full story. See the SRNN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Southern Banc Co Inc provides personal and business banking solutions. It offers banking solution for every personal banking need including Personal Checking, Mortgage Loans, Consumer Loans, and Home Equity Lines of Credit. The principal business of the Bank consists of accepting deposits from the general public through the Bank's main and branch offices and investing those funds in loans secured by real estate properties, commercial and consumer loans located in the Bank's primary market area, and factoring. The company serves small and medium-sized business customers the United States.
64GF Score
Get the complete analysis for SRNN
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