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Southern Bancshares NCSBNCM.PFD ROA % is 1.24% as of Dec. 2025, which is 34% below its 10-year median of 1.88. The stock has 6 warning signs investors should review. Among 1,529 Banks companies, Southern Bancshares NC ranks better than 66.78% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Southern Bancshares NC's annualizedNet Income for the quarter that ended in Dec. 2025 was $68.28 Mil.
Southern Bancshares NC's average Total Assets over the quarter that ended in Dec. 2025 was $5,484.47 Mil. Therefore, Southern Bancshares NC's annualized ROA % for the quarter that ended in Dec. 2025 was 1.24%.
The historical rank and industry rank for Southern Bancshares NC's ROA % or its related term are showing as below:
SBNCM.PFD'
s ROA % Range Over the Past 10 Years
Min: 0.64 Med: 1.88 Max: 3.05
Current: 1.24
During the past 7 years, Southern Bancshares NC's highest ROA % was 3.05%. The lowest was 0.64%. And the median was 1.88%.
SBNCM.PFD's ROA % is ranked better than 66.78% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs SBNCM.PFD: 1.24
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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, Southern Bancshares NC's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Southern Bancshares NC's ROA % distribution charts can be found below:
* The bar in red indicates where Southern Bancshares NC's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Southern Bancshares NC (SBNCM.PFD) has a ROA % of 1.24% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Southern Bancshares NC and its competitors. This is 34% below median its historical median of 1.88. Over the past decade, Southern Bancshares NC's ROA % has ranged from 0.64 to 3.05. According to the industry distribution chart, Southern Bancshares NC ranks #508 out of 1529 companies in the Banks industry, placing it in the top 33.2%.
Is Southern Bancshares NC's ROA % too high?
Southern Bancshares NC's current ROA % of 1.24% is 34% below median its 10-year median of 1.88. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 3.05. The Banks industry median ROA % is 0.98. Southern Bancshares NC's value of 1.24% is 26.5% above this industry median. Based on the distribution chart, Southern Bancshares NC ranks #508 out of 1529 companies in the Banks industry, which is above the industry midpoint.
How does Southern Bancshares NC's ROA % compare to NBBK and THFF?
According to the Banks industry distribution chart, Southern Bancshares NC ranks #508 out of 1529 companies for ROA %. This puts Southern Bancshares NC in the upper half of its industry. The industry median ROA % is 0.98. Southern Bancshares NC's value of 1.24% is 26.5% above this benchmark. Historically, Southern Bancshares NC's own ROA % has ranged from 0.64 to 3.05 over the past decade. While the company's 10-year median is 1.88 vs. the industry median of 0.98, Southern Bancshares NC 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern Bancshares NC's current ROA % of 1.24% is 26.5% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Southern Bancshares NC and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Bancshares NC's current ROA % is 1.24%, which is 34% below median its own 10-year median of 1.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southern Bancshares NC stock overvalued right now?
Southern Bancshares NC (SBNCM.PFD) has a current ROA % of 1.24%. The current ROA % is 1.24%, which is 34% below median its 10-year median of 1.88 and 26.5% above the Banks industry median of 0.98. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Southern Bancshares NC (SBNCM.PFD), the current ROA % is 1.24% as of Dec. 2025. 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.
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.
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