SBNC (Southern Bancshares NC) ROC %: % (As of Dec. 2025)

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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SBNC Southern Bancshares NC Inc SBNC
15 GF Score
Price $13,200.01
GF Value $6,572.41
! 6 Warning Signs
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What is Southern Bancshares NC ROC %?

Southern Bancshares NC SBNC 15 ROC % is % as of Dec. 2025. GuruFocus rates SBNC with a GF Score™ of 15/100 and a GF Value™ of $6,572.41. The stock has 6 warning signs investors should review.

ROC %does not apply to banks.

SBNC
15GF Score
Southern Bancshares NC Inc SBNC
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Southern Bancshares NC (SBNC) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Southern Bancshares NC and its competitors.
Is Southern Bancshares NC's ROC % too high?
Southern Bancshares NC's current ROC % is %. Overall, Southern Bancshares NC has a GF Score™ of 15/100, reflecting its overall financial health beyond just this single metric.
How does Southern Bancshares NC's ROC % compare to MPB and CAC?
Southern Bancshares NC's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.85. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.85, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Southern Bancshares NC and its competitors. For the Banks industry, the median ROC % is 1.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Bancshares NC's current ROC % is %. 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 (SBNC) has a current ROC % of %. The stock's GF Value™ is $6,572.41, compared to a current price of $13,200.01 — trading 100.8% above its estimated fair value. The current ROC % is %. Southern Bancshares NC's overall GF Score™ is 15/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Southern Bancshares NC (SBNC), the current ROC % is % 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.

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 $13,200.01 is trading 100.8% above its estimated GF Value™ of $6,572.41.

Key valuation signals for SBNC:

  • ROC %: %
  • GF Value™: $6,572.41 vs. price of $13,200.01 (100.8% above fair value)
  • GF Score™: 15/100 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.
15GF Score

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

$13,200.01
Price
$6,572.41
GF Value