The Southern Banc Company, Inc. Logo

The Southern Banc Company, Inc.

SRNN

(2.8)
Stock Price

13,75 USD

1.63% ROA

11.42% ROE

5.11x PER

Market Cap.

9.990.660,00 USD

0% DER

0% Yield

16.96% NPM

The Southern Banc Company, Inc. Stock Analysis

The Southern Banc Company, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

The Southern Banc Company, Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (21.78%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

With a remarkably low PBV ratio (0.85x), the stock offers substantial upside potential at a bargain price.

3 DER

The stock has a low debt to equity ratio (0%), which means it has a small amount of debt compared to the ownership it holds

4 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

5 ROA

The stock's ROA (2.28%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Net Profit Growth

Over the last three years, this company has consistently achieved net profit growth, indicating a favorable financial performance and making it an attractive investment option.

7 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

8 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

10 Dividend

The company's lack of dividends in the past three years may concern investors seeking regular income.

11 Buffet Intrinsic Value

The company's stock appears overvalued (-138) by Warren Buffett's formula, suggesting a less favorable investment opportunity as its market price exceeds its estimated intrinsic value.

The Southern Banc Company, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

The Southern Banc Company, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Sell
4 Stoch RSI Buy

The Southern Banc Company, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

The Southern Banc Company, Inc. Revenue
Year Revenue Growth
1996 3.100.000
1997 3.100.000 0%
1998 3.000.000 -3.33%
1999 3.100.000 3.23%
2000 2.981.216 -3.98%
2001 2.667.514 -11.76%
2002 2.915.755 8.51%
2003 3.515.567 17.06%
2004 3.122.502 -12.59%
2005 3.267.034 4.42%
2006 2.627.722 -24.33%
2007 2.085.734 -25.99%
2008 2.182.072 4.41%
2009 2.407.631 9.37%
2010 2.716.000 11.35%
2012 2.502.301 -8.54%
2013 2.887.859 13.35%
2014 2.758.978 -4.67%
2015 4.204.076 34.37%
2016 4.352.139 3.4%
2017 5.534.957 21.37%
2018 5.652.589 2.08%
2019 5.771.709 2.06%
2020 5.552.520 -3.95%
2021 7.086.673 21.65%
2022 8.828.171 19.73%
2023 11.888.000 25.74%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

The Southern Banc Company, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

The Southern Banc Company, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1996 1.300.000
1997 1.400.000 7.14%
1998 1.400.000 0%
1999 1.400.000 0%
2000 1.263.249 -10.83%
2001 1.134.997 -11.3%
2002 1.048.936 -8.2%
2003 1.109.806 5.48%
2004 1.243.546 10.75%
2005 1.271.604 2.21%
2006 1.254.071 -1.4%
2007 1.779.732 29.54%
2008 1.836.560 3.09%
2009 2.110.512 12.98%
2010 1.976.000 -6.81%
2012 657.738 -200.42%
2013 750.225 12.33%
2014 774.364 3.12%
2015 872.085 11.21%
2016 844.560 -3.26%
2017 892.657 5.39%
2018 954.096 6.44%
2019 455.000 -109.69%
2020 403.000 -12.9%
2021 2.588.862 84.43%
2022 3.287.066 21.24%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

The Southern Banc Company, Inc. EBITDA
Year EBITDA Growth
1996 1.200.000
1997 700.000 -71.43%
1998 1.100.000 36.36%
1999 1.200.000 8.33%
2000 1.287.341 6.78%
2001 1.002.711 -28.39%
2002 1.226.266 18.23%
2003 1.902.677 35.55%
2004 1.446.740 -31.51%
2005 1.333.317 -8.51%
2006 540.099 -146.87%
2007 -152.849 453.35%
2008 -127.296 -20.07%
2009 -45.064 -182.48%
2010 -192.000 76.53%
2012 432.780 144.36%
2013 351.180 -23.24%
2014 521.221 32.62%
2015 1.693.116 69.22%
2016 974.732 -73.7%
2017 63.013 -1446.87%
2018 68.887 8.53%
2019 79.055 12.86%
2020 82.943 4.69%
2021 2.434.222 96.59%
2022 3.396.511 28.33%
2023 0 0%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

The Southern Banc Company, Inc. Gross Profit
Year Gross Profit Growth
1996 3.100.000
1997 3.100.000 0%
1998 3.000.000 -3.33%
1999 3.100.000 3.23%
2000 2.981.216 -3.98%
2001 2.667.514 -11.76%
2002 2.915.755 8.51%
2003 3.515.567 17.06%
2004 3.122.502 -12.59%
2005 3.267.034 4.42%
2006 2.627.722 -24.33%
2007 2.085.734 -25.99%
2008 2.182.072 4.41%
2009 2.407.631 9.37%
2010 2.716.000 11.35%
2012 2.502.301 -8.54%
2013 2.887.859 13.35%
2014 2.758.978 -4.67%
2015 4.204.076 34.37%
2016 4.352.139 3.4%
2017 5.534.957 21.37%
2018 6.590.355 16.01%
2019 5.771.709 -14.18%
2020 5.552.520 -3.95%
2021 7.086.673 21.65%
2022 8.828.171 19.73%
2023 11.888.000 25.74%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

The Southern Banc Company, Inc. Net Profit
Year Net Profit Growth
1996 600.000
1997 100.000 -500%
1998 500.000 80%
1999 600.000 16.67%
2000 645.725 7.08%
2001 467.541 -38.11%
2002 632.942 26.13%
2003 894.462 29.24%
2004 577.354 -54.92%
2005 649.596 11.12%
2006 235.265 -176.11%
2007 -160.883 246.23%
2008 -133.060 -20.91%
2009 -85.292 -56.01%
2010 -120.000 28.92%
2012 -302.103 60.28%
2013 -265.306 -13.87%
2014 -410.241 35.33%
2015 -1.358.411 69.8%
2016 -792.391 -71.43%
2017 -564.716 -40.32%
2018 464.496 221.58%
2019 314.020 -47.92%
2020 478.000 34.31%
2021 1.736.423 72.47%
2022 2.474.004 29.81%
2023 1.696.000 -45.87%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

The Southern Banc Company, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1996 0
1997 0 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 100%
2004 1 0%
2005 1 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2012 0 0%
2013 0 0%
2014 -1 0%
2015 -2 100%
2016 -1 0%
2017 -1 0%
2018 1 0%
2019 0 0%
2020 1 0%
2021 2 100%
2022 3 33.33%
2023 2 -50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

The Southern Banc Company, Inc. Free Cashflow
Year Free Cashflow Growth
1996 1.600.000
1997 1.600.000 0%
1998 1.100.000 -45.45%
1999 1.100.000 0%
2000 203.646 -440.15%
2001 451.216 54.87%
2002 765.593 41.06%
2003 590.638 -29.62%
2004 1.087.469 45.69%
2005 499.550 -117.69%
2006 15.945 -3032.96%
2007 -57.528 127.72%
2008 -358.176 83.94%
2009 395.828 190.49%
2012 400.405 1.14%
2013 -522.158 176.68%
2014 -161.147 -224.03%
2015 -275.011 41.4%
2016 42.838 741.98%
2017 1.365.326 96.86%
2018 256.946 -431.37%
2019 990.886 74.07%
2020 4.580.003 78.36%
2021 2.418.607 -89.37%
2022 1.935.579 -24.96%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

The Southern Banc Company, Inc. Operating Cashflow
Year Operating Cashflow Growth
1996 1.600.000
1997 1.600.000 0%
1998 1.100.000 -45.45%
1999 1.100.000 0%
2000 458.846 -139.73%
2001 489.502 6.26%
2002 878.782 44.3%
2003 625.535 -40.48%
2004 1.111.247 43.71%
2005 682.950 -62.71%
2006 116.946 -483.99%
2007 -57.528 303.29%
2008 -358.176 83.94%
2009 448.848 179.8%
2012 463.517 3.16%
2013 -424.078 209.3%
2014 -52.879 -701.98%
2015 -227.165 76.72%
2016 61.853 467.27%
2017 1.388.689 95.55%
2018 393.776 -252.66%
2019 1.023.087 61.51%
2020 4.654.379 78.02%
2021 2.556.727 -82.04%
2022 1.966.351 -30.02%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

The Southern Banc Company, Inc. Capital Expenditure
Year Capital Expenditure Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 255.200 100%
2001 38.286 -566.56%
2002 113.189 66.18%
2003 34.897 -224.35%
2004 23.778 -46.76%
2005 183.400 87.03%
2006 101.001 -81.58%
2007 0 0%
2008 0 0%
2009 53.020 100%
2012 63.112 15.99%
2013 98.080 35.65%
2014 108.268 9.41%
2015 47.846 -126.28%
2016 19.015 -151.62%
2017 23.363 18.61%
2018 136.830 82.93%
2019 32.201 -324.92%
2020 74.376 56.71%
2021 138.120 46.15%
2022 30.772 -348.85%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

The Southern Banc Company, Inc. Equity
Year Equity Growth
1996 20.100.000
1997 17.900.000 -12.29%
1998 18.600.000 3.76%
1999 16.600.000 -12.05%
2000 16.319.297 -1.72%
2001 17.046.018 4.26%
2002 18.343.903 7.08%
2003 18.865.778 2.77%
2004 17.252.667 -9.35%
2005 16.702.943 -3.29%
2006 14.939.828 -11.8%
2007 14.876.526 -0.43%
2008 15.144.050 1.77%
2009 15.526.489 2.46%
2010 15.774.000 1.57%
2012 14.921.852 -5.71%
2013 14.703.957 -1.48%
2014 14.231.791 -3.32%
2015 13.198.643 -7.83%
2016 11.847.306 -11.41%
2017 10.909.493 -8.6%
2018 11.759.951 7.23%
2019 12.348.148 4.76%
2020 12.454.454 0.85%
2021 10.601.047 -17.48%
2022 12.121.786 12.55%
2023 14.466.000 16.2%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

The Southern Banc Company, Inc. Assets
Year Assets Growth
1996 107.000.000
1997 105.400.000 -1.52%
1998 105.100.000 -0.29%
1999 96.900.000 -8.46%
2000 98.086.513 1.21%
2001 97.290.005 -0.82%
2002 110.001.694 11.56%
2003 111.700.835 1.52%
2004 106.353.385 -5.03%
2005 104.811.373 -1.47%
2006 102.649.363 -2.11%
2007 99.132.553 -3.55%
2008 102.888.798 3.65%
2009 98.808.442 -4.13%
2010 95.415.000 -3.56%
2012 95.972.017 0.58%
2013 94.337.271 -1.73%
2014 97.165.011 2.91%
2015 97.886.834 0.74%
2016 96.541.701 -1.39%
2017 95.846.180 -0.73%
2018 97.704.670 1.9%
2019 103.302.095 5.42%
2020 112.424.519 8.11%
2021 115.281.863 2.48%
2022 108.631.128 -6.12%
2023 113.096.000 3.95%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

The Southern Banc Company, Inc. Liabilities
Year Liabilities Growth
1996 100.000
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 9.583.333 100%
2003 92.835.057 89.68%
2004 6.916.667 -1242.19%
2005 88.108.430 92.15%
2006 5.250.000 -1578.26%
2007 1.416.667 -270.59%
2008 3.075.350 53.93%
2009 3.075.350 0%
2010 2.075.000 -48.21%
2012 4.156.452 50.08%
2013 5.156.452 19.39%
2014 3.000.000 -71.88%
2015 84.688.191 96.46%
2016 89.694.395 5.58%
2017 84.936.687 -5.6%
2018 85.944.719 1.17%
2019 90.953.947 5.51%
2020 99.970.065 9.02%
2021 2.000.000 -4898.5%
2022 96.509.342 97.93%
2023 98.630.000 2.15%

The Southern Banc Company, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
13.95
Net Income per Share
2.42
Price to Earning Ratio
5.11x
Price To Sales Ratio
0.94x
POCF Ratio
1298.57
PFCF Ratio
1379.54
Price to Book Ratio
0.65
EV to Sales
0.94
EV Over EBITDA
-6.27
EV to Operating CashFlow
1379.54
EV to FreeCashFlow
1379.54
Earnings Yield
0.2
FreeCashFlow Yield
0
Market Cap
0,01 Bil.
Enterprise Value
0,01 Bil.
Graham Number
32.23
Graham NetNet
-129.84

Income Statement Metrics

Net Income per Share
2.42
Income Quality
0
ROE
0.14
Return On Assets
0.01
Return On Capital Employed
0
Net Income per EBT
0.88
EBT Per Ebit
28.53
Ebit per Revenue
0.01
Effective Tax Rate
0.12

Margins

Sales, General, & Administrative to Revenue
0.04
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.09
Operating Profit Margin
0.01
Pretax Profit Margin
0.19
Net Profit Margin
0.17

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0.01
Free CashFlow per Share
0.01
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.24
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,00
Book Value per Share
19,04
Tangible Book Value per Share
19.04
Shareholders Equity per Share
19.04
Interest Debt per Share
1.83
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
0
Current Ratio
0
Tangible Asset Value
0,01 Bil.
Net Current Asset Value
-0,09 Bil.
Invested Capital
14699000
Working Capital
0,01 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
-5972000
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

The Southern Banc Company, Inc. Dividends
Year Dividends Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%

The Southern Banc Company, Inc. Profile

About The Southern Banc Company, Inc.

The Southern Banc Company, Inc. operates as the holding company for The Southern Bank Company that provides various banking products and services in Alabama. Its personal banking products include checking accounts, home mortgage loans, home equity loans, auto loans, and personal loans. The company's business banking products comprise business checking accounts, cash flow management, real estate lending, and equipment financing. It also offers commercial accounts, accounts receivable management, factoring services, and online banking and ATM services. It operates through four full-service banking offices located in Gadsden, Albertville, Alabama, Guntersville, and Centre, as well as through one commercial finance office located in Birmingham. The Southern Banc Company, Inc. was founded in 1936 and is based in Gadsden, Alabama.

CEO
Mr. Gates B. Little
Employee
0
Address
221 South 6th Street
Gadsden, 35901

The Southern Banc Company, Inc. Executives & BODs

The Southern Banc Company, Inc. Executives & BODs
# Name Age
1 Mr. Gates B. Little
Chairman, President & Chief Executive Officer
70

The Southern Banc Company, Inc. Competitors