SABK (South Atlantic Bancshares) Scaled Net Operating Assets: 0.13 (As of Mar. 2026)


SABK South Atlantic Bancshares Inc SABK
69 GF Score
Price $25.50
GF Value $19.36
Valuation Significantly Overvalued
! 7 Warning Signs
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What is South Atlantic Bancshares Scaled Net Operating Assets?

South Atlantic Bancshares SABK +0.04% 69 Scaled Net Operating Assets is 0.13 as of Mar. 2026. GuruFocus rates SABK with a GF Score™ of 69/100 and a GF Value™ of $19.36 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

South Atlantic Bancshares's operating assets for the quarter that ended in Mar. 2026 was $1,859.51 Mil. South Atlantic Bancshares's operating liabilities for the quarter that ended in Mar. 2026 was $1,616.79 Mil. South Atlantic Bancshares's Total Assets for the quarter that ended in Dec. 2025 was $1,919.64 Mil. Therefore, South Atlantic Bancshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.13.

SABK
69GF Score
South Atlantic Bancshares Inc SABK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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South Atlantic Bancshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

South Atlantic Bancshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1851.44-1566.834)/1787.15
=0.16

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1919.636 - 68.196
=1851.44

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1785.069 - 218.235 - 0
=1566.834

South Atlantic Bancshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1859.511-1616.785)/1919.636
=0.13

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1932.222 - 72.711
=1859.511

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1793.785 - 177 - 0
=1616.785

* 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.

What does a Scaled Net Operating Assets of 0.13 mean?
South Atlantic Bancshares (SABK) has a Scaled Net Operating Assets of 0.13 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on South Atlantic Bancshares and its competitors.
Is South Atlantic Bancshares' Scaled Net Operating Assets too high?
South Atlantic Bancshares' current Scaled Net Operating Assets is 0.13. Overall, South Atlantic Bancshares has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does South Atlantic Bancshares' Scaled Net Operating Assets compare to RBKB and CSBB?
South Atlantic Bancshares' Scaled Net Operating Assets of 0.13 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on South Atlantic Bancshares and its competitors. South Atlantic Bancshares's current Scaled Net Operating Assets is 0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is South Atlantic Bancshares stock overvalued right now?
Based on GuruFocus' analysis, South Atlantic Bancshares (SABK) is currently considered Significantly Overvalued. The stock's GF Value™ is $19.36, compared to a current price of $25.50 — trading 31.7% above its estimated fair value. The current Scaled Net Operating Assets is 0.13. South Atlantic Bancshares' overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For South Atlantic Bancshares (SABK), the current Scaled Net Operating Assets is 0.13 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 South Atlantic Bancshares (SABK) Overvalued in 2026?

Based on GuruFocus' analysis, South Atlantic Bancshares stock appears to be overvalued. The current stock price of $25.50 is trading 31.7% above its estimated GF Value™ of $19.36. GuruFocus considers South Atlantic Bancshares to be Significantly Overvalued.

Key valuation signals for SABK:

  • Scaled Net Operating Assets: 0.13
  • GF Value™: $19.36 vs. price of $25.50 (31.7% above fair value)
  • GF Score™: 69/100 with 7 warning signs

No single metric tells the full story. See the SABK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

South Atlantic Bancshares Business Description

Address 630 29th Avenue North, Myrtle Beach, SC, USA, 29577
South Atlantic Bancshares Inc is A United States-based bank holding company. Through its banking subsidiary, it provides banking services to domestic markets, principally in Horry, Georgetown, Charleston, and Beaufort counties, South Carolina. Its financial products and service offerings include personal and business checking, savings, and money market accounts; residential mortgages, commercial loans, lines of credit; telephone and online banking, ATM services; and debit and credit cards, among others.
69GF Score

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$25.50
Price
$19.36
GF Value