SOUB (Southpoint Bancshares) Scaled Net Operating Assets: -0.05 (As of Mar. 2026)


SOUB Southpoint Bancshares Inc SOUB
53 GF Score
Price $14.11
GF Value $28.54
Valuation Possible Value Trap
! 3 Warning Signs
View Full Analysis

What is Southpoint Bancshares Scaled Net Operating Assets?

Southpoint Bancshares SOUB 53 Scaled Net Operating Assets is -0.05 as of Mar. 2026. GuruFocus rates SOUB with a GF Score™ of 53/100 and a GF Value™ of $28.54 (Possible Value Trap). The stock has 3 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.

Southpoint Bancshares's operating assets for the quarter that ended in Mar. 2026 was $1,241.45 Mil. Southpoint Bancshares's operating liabilities for the quarter that ended in Mar. 2026 was $1,327.11 Mil. Southpoint Bancshares's Total Assets for the quarter that ended in Dec. 2025 was $1,563.90 Mil. Therefore, Southpoint Bancshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.05.

SOUB
53GF Score
Southpoint Bancshares Inc SOUB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Southpoint 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.

Southpoint 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 )
=(1325.74-1445.72)/1761.575
=-0.07

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1563.897 - 238.157
=1325.74

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1479.524 - 33.804 - 0
=1445.72

Southpoint 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 )
=(1241.454-1327.106)/1563.897
=-0.05

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1443.9 - 202.446
=1241.454

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1360.948 - 33.842 - 0
=1327.106

* 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 -0.05 mean?
Southpoint Bancshares (SOUB) has a Scaled Net Operating Assets of -0.05 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 Southpoint Bancshares and its competitors.
Is Southpoint Bancshares' Scaled Net Operating Assets too high?
Southpoint Bancshares' current Scaled Net Operating Assets is -0.05. Overall, Southpoint Bancshares has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Southpoint Bancshares' Scaled Net Operating Assets compare to TMAK and ESBS?
Southpoint Bancshares' Scaled Net Operating Assets of -0.05 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 Southpoint Bancshares and its competitors. Southpoint Bancshares's current Scaled Net Operating Assets is -0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southpoint Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Southpoint Bancshares (SOUB) is currently considered Possible Value Trap. The stock's GF Value™ is $28.54, compared to a current price of $14.11 — trading 50.6% below its estimated fair value. The current Scaled Net Operating Assets is -0.05. Southpoint Bancshares' overall GF Score™ is 53/100 with 3 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 Southpoint Bancshares (SOUB), the current Scaled Net Operating Assets is -0.05 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 Southpoint Bancshares (SOUB) Overvalued in 2026?

Based on GuruFocus' analysis, Southpoint Bancshares stock appears to be undervalued. The current stock price of $14.11 is trading 50.6% below its estimated GF Value™ of $28.54. GuruFocus considers Southpoint Bancshares to be Possible Value Trap.

Key valuation signals for SOUB:

  • Scaled Net Operating Assets: -0.05
  • GF Value™: $28.54 vs. price of $14.11 (50.6% below fair value)
  • GF Score™: 53/100 with 3 warning signs

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

Southpoint Bancshares Business Description

Address 3501 Grandview Parkway, Birmingham, AL, USA, 35243
Southpoint Bancshares Inc operates mainly in the domestic commercial banking industry. Through its banking subsidiary, it provides full-service banking to customers mainly located in central Alabama, which predominantly includes offering different types of deposit products and granting commercial, real estate, and consumer loans to customers. These banking products and services are offered through several branch locations in central Alabama and loan production offices located throughout the State of Alabama.
53GF Score

Get the complete analysis for SOUB

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.11
Price
$28.54
GF Value