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South Atlantic Bancshares
(OTC:SABK)
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Rating:66Neutral
Price Target:
$27.00
▲(10.20% Upside)
Action:Downgraded
Date:08/06/26
The score is driven primarily by improving financial performance (stronger 2025 earnings and margins) and notably favorable valuation (low P/E and very high dividend yield). These positives are offset by elevated leverage and uneven cash-flow consistency, while technical indicators point to weaker near-term momentum.
Positive Factors
Revenue Growth
Sustained 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.
Negative Factors
Elevated Leverage
Debt-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.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained 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.
Read all positive factors
South Atlantic Bancshares (SABK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$189.20M
Dividend Yield0.4%
Average Volume (3M)3.87K
Price to Earnings (P/E)10.2
Beta (1Y)-0.02
Revenue Growth5.99%
EPS Growth44.27%
CountryUS
Employees175
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.31
Shares Outstanding7,568,111
10 Day Avg. Volume2,779
30 Day Avg. Volume3,867
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
South Atlantic Bancshares Business Overview & Revenue Model
Company Description
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, a...
How the Company Makes Money
South Atlantic Bancshares makes money primarily through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is driven by (1) interest and fees earned on loans (typically including commercial...
South Atlantic Bancshares Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
62
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 103.47M | 102.25M | 93.28M | 74.14M | 53.77M | 47.83M |
| Gross Profit | 61.97M | 60.15M | 48.79M | 46.68M | 47.63M | 44.30M |
| EBITDA | 21.71M | 20.31M | 12.98M | 15.06M | 16.23M | 15.06M |
| Net Income | 17.30M | 16.17M | 10.06M | 10.02M | 12.09M | 10.85M |
Balance Sheet | ||||||
| Total Assets | 1.93B | 1.92B | 1.79B | 1.62B | 1.41B | 1.23B |
| Cash, Cash Equivalents and Short-Term Investments | 72.71M | 177.46M | 260.48M | 235.76M | 235.19M | 398.52M |
| Total Debt | 177.00M | 218.23M | 199.06M | 213.46M | 93.25M | 37.78M |
| Total Liabilities | 1.79B | 1.79B | 1.68B | 1.52B | 1.32B | 1.13B |
| Stockholders Equity | 138.44M | 134.57M | 113.77M | 102.95M | 90.54M | 105.51M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 8.74M | 7.31M | 5.79M | 24.60M | 36.67M |
| Operating Cash Flow | 0.00 | 11.72M | 14.00M | 10.11M | 25.86M | 37.39M |
| Investing Cash Flow | 0.00 | -115.39M | -140.22M | -183.44M | -296.22M | -260.31M |
| Financing Cash Flow | 0.00 | 111.28M | 150.38M | 195.16M | 190.83M | 277.61M |
South Atlantic Bancshares Technical Analysis
Positive
24.50
Price Trends
25.14
Negative
24.54
Positive
22.60
Positive
Market Momentum
0.02
Negative
50.84
Neutral
66.67
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SABK, the sentiment is Positive. The current price of 24.5 is below the 20-day moving average (MA) of 24.85, below the 50-day MA of 25.14, and above the 200-day MA of 22.60, indicating a neutral trend. The MACD of 0.02 indicates Negative momentum. The RSI at 50.84 is Neutral, neither overbought nor oversold. The STOCH value of 66.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SABK.
South Atlantic Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $172.96M | 10.32 | 11.79% | 2.42% | 9.50% | 46.27% | |
71 Outperform | $197.01M | 13.70 | 7.20% | ― | 34.21% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $189.20M | 10.25 | 13.55% | 0.41% | 5.99% | 44.27% | |
63 Neutral | $180.82M | 11.02 | 8.36% | 2.48% | 1.82% | 27.47% | |
44 Neutral | $144.22M | -3.38 | -16.19% | 0.84% | -8.66% | -155.96% |
* Financial Sector Average
SABK
South Atlantic Bancshares
25.50
8.31
48.30%
EBMT
Eagle Bancorp Montana
22.35
5.31
31.12%
SBFG
SB Financial Group
27.70
7.28
35.64%
FGBI
First Guaranty Bancshares
8.49
0.12
1.39%
RBKB
Rhinebeck Bancorp
12.60
3.03
31.68%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.