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Southern Banc CoSRNN +0.88%65 ROE % 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 65/100 and a GF Value™ of $14.40 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,520 Banks companies, Southern Banc Co ranks worse than 77.17% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Southern Banc Co ROE % Related Terms
Southern Banc Co ROE % Historical Data
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The historical data trend for Southern Banc Co's ROE % 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.
For the Banks - Regional subindustry, Southern Banc Co's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Southern Banc Co's ROE % distribution charts can be found below:
* The bar in red indicates where Southern Banc Co's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Southern Banc Co (SRNN) has a ROE % of 8.11% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total 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 #1173 out of 1520 companies in the Banks industry, placing it in the top 77.2%.
Is Southern Banc Co's ROE % too high?
Southern Banc Co's current ROE % of 8.11% is 104% above median its 10-year median of 3.97. The Banks industry median ROE % is 10.50. Southern Banc Co's value of 8.11% is 22.8% below this industry median. Based on the distribution chart, Southern Banc Co ranks #1173 out of 1520 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Southern Banc Co has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern Banc Co's ROE % compare to SMAL and GLBZ?
According to the Banks industry distribution chart, Southern Banc Co ranks #1173 out of 1520 companies for ROE %. This places Southern Banc Co in the lower half of its industry. The industry median ROE % is 10.50. Southern Banc Co's value of 8.11% is 22.8% below this benchmark. While the company's 10-year median is 3.97 vs. the industry median of 10.50, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.50, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern Banc Co's current ROE % of 8.11% is 22.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Southern Banc Co and its competitors. For the Banks industry, the median ROE % is 10.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Banc Co's current ROE % 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 ROE % is 8.11%, which is 104% above median its 10-year median of 3.97 and 22.8% below the Banks industry median of 10.50. Southern Banc Co's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Southern Banc Co (SRNN), the current ROE % 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:
ROE %: 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: 22.8% below the Banks median (#1173 of 1520)
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.
65GF Score
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