Want to see SABK full AI Analyst Report?
SABK Stock Chart & Stats
$25.50
-$0.31(-1.27%)
At close: 4:00 PM EDT
$25.50
-$0.31(-1.27%)
Day’s Range― - ―
52-Week Range$16.52 - $26.39
Previous CloseN/A
Volume207.00
Average Volume (3M)636.00
Market Cap
$194.70M
Enterprise Value$274.67
Total Cash (Recent Filing)$72.71M
Total Debt (Recent Filing)$177.00M
Price to Earnings (P/E)10.4
Beta-0.02
Next Earnings
Oct 22, 2026EPS Estimate
0.62Next Dividend Ex-DateN/A
Dividend Yield0.39%
Share Statistics
EPS (TTM)2.31
Shares Outstanding7,635,292
10 Day Avg. Volume611
30 Day Avg. Volume636
Financial Highlights & Ratios
PEG Ratio0.15
Price to Book (P/B)1.10
Price to Sales (P/S)1.45
P/FCF Ratio17.01
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.39
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained revenue re-acceleration to ~$102.3M in 2025 indicates durable demand for the bank's commercial and consumer lending services and fee income. A steady top-line trend supports long-term earnings power and gives management scope to invest in branches and digital channels.
Improving ProfitabilityMaterial net income growth and margin expansion to ~15.8% show the bank can convert revenue into lasting profits. Stronger margins enhance internal capital generation and resilience to rate cycles, enabling dividend support and reinvestment without immediate reliance on external funding.
Stronger Equity & ROERising equity and improved ROE to ~12.3% reflect healthier capital cushions and better returns on shareholder capital. This improves long-term loss-absorbing capacity and strategic flexibility for loan growth, capital deployment, or regulatory stress without immediate dilution.
Bears Say
Elevated LeverageDebt-to-equity of ~1.59, while improved, remains elevated versus earlier years, increasing sensitivity to credit and interest-rate shocks. Higher leverage constrains capital flexibility, raises funding risk and could force tighter underwriting or higher loan-loss provisions in downturns.
Uneven Cash ConversionAlthough 2025 free cash flow covered ~75% of net income, historical volatility in operating cash flow signals inconsistent internal funding. That intermittency can limit sustained dividend funding, capital spending or loan growth without tapping volatile external financing.
Margin Sustainability RiskNet margin recovery to ~15.8% is constructive, yet margins remain under prior peak years, highlighting earnings sensitivity to loan mix, deposit costs and fee income. This structural variability means profits could revert if interest spreads compress or credit costs rise.
South Atlantic Bancshares News
SABK FAQ
What was South Atlantic Bancshares Inc’s price range in the past 12 months?
South Atlantic Bancshares Inc lowest stock price was $16.52 and its highest was $26.39 in the past 12 months.
What is South Atlantic Bancshares Inc’s market cap?
South Atlantic Bancshares Inc’s market cap is $194.70M.
When is South Atlantic Bancshares Inc’s upcoming earnings report date?
South Atlantic Bancshares Inc’s upcoming earnings report date is Oct 22, 2026 which is in 31 days.
How were South Atlantic Bancshares Inc’s earnings last quarter?
South Atlantic Bancshares Inc released its earnings results on Jul 23, 2026. The company reported $0.61 earnings per share for the quarter, beating the consensus estimate of $0.58 by $0.03.
Is South Atlantic Bancshares Inc overvalued?
According to Wall Street analysts South Atlantic Bancshares Inc’s price is currently Overvalued.
Does South Atlantic Bancshares Inc pay dividends?
South Atlantic Bancshares Inc pays a Annually dividend of $0.1 which represents an annual dividend yield of 0.39%. See more information on South Atlantic Bancshares Inc dividends here
What is South Atlantic Bancshares Inc’s EPS estimate?
South Atlantic Bancshares Inc’s EPS estimate is 0.62.
How many shares outstanding does South Atlantic Bancshares Inc have?
South Atlantic Bancshares Inc has 7,635,292 shares outstanding.
What happened to South Atlantic Bancshares Inc’s price movement after its last earnings report?
South Atlantic Bancshares Inc reported an EPS of $0.61 in its last earnings report, beating expectations of $0.58. Following the earnings report the stock price went up 0.745%.
Which hedge fund is a major shareholder of South Atlantic Bancshares Inc?
Currently, no hedge funds are holding shares in SABK
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
South Atlantic Bancshares Inc
South Atlantic Bancshares, Inc. operates as the bank holding company for South Atlantic Bank that provides various banking products and services to individuals and small businesses in the United States. The company offers checking, money market, and savings accounts, as well as certificates of deposit, individual retirement accounts, and health savings accounts. It also provides personal, auto, and recreation loans, as well as home equity and ready reserve overdraft line of credits, and commercial lending products; and credit cards. In addition, the company provides cash management and merchant card services; remote deposit capture and automated clearing house services; online, mobile, and telephone banking services; personal and business checks; mortgage products and services; and wealth management services. The company operates offices in Myrtle Beach, Carolina Forest, North Myrtle Beach, Murrells Inlet, Pawleys Island, Georgetown, Mount Pleasant, Charleston, Bluffton, Hilton Head Island, and Beaufort, South Carolina. Atlantic Bancshares, Inc. was founded in 2007 and is headquartered in Myrtle Beach, South Carolina.
Technical Analysis
Eagle Bancorp Montana
―
SB Financial Group
―
First Guaranty Bancshares
―
―
Rhinebeck Bancorp
―
Ownership Overview
―
Insiders
0.08% Mutual Funds
2.30% Other Institutional Investors
97.62% Public Companies and
Individual Investors