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Southern Banc Company
(OTC:SRNN)
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Rating:69Neutral
Price Target:
$17.50
▲(0.11% Upside)
Action:Reiterated
Date:06/27/26
The score is driven primarily by solid financial stability (low leverage and growing equity) and strong revenue growth, offset by meaningful margin/ROE compression that raises near-term earnings quality risk. Technically, the trend is positive (price above major moving averages), but overbought signals (high RSI) temper the outlook. Valuation appears reasonable on P/E, though dividend support is not evident from the provided data.
Positive Factors
Conservative Capitalization
A very low leverage profile and rising equity provide a durable capital buffer that supports loan growth, loss absorption, and regulatory flexibility. This reduces funding and solvency risk over multiple cycles and preserves the firm's ability to invest or pursue strategic opportunities.
Negative Factors
Margin Compression
Rapid and persistent margin erosion materially undermines earnings power and return on invested capital. If margins remain depressed, the company's ability to generate sustainable profits, fund growth, or restore ROE is constrained, raising long-term earnings risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Capitalization
A very low leverage profile and rising equity provide a durable capital buffer that supports loan growth, loss absorption, and regulatory flexibility. This reduces funding and solvency risk over multiple cycles and preserves the firm's ability to invest or pursue strategic opportunities.
Read all positive factors
Southern Banc Company (SRNN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$13.72M
Dividend YieldN/A
Average Volume (3M)51.00
Price to Earnings (P/E)12.2
Beta (1Y)0.06
Revenue Growth5.14%
EPS Growth-11.48%
CountryUS
Employees31
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.40
Shares Outstanding807,000
10 Day Avg. Volume26
30 Day Avg. Volume51
Financial Highlights & Ratios
PEG Ratio-0.23
Price to Book (P/B)0.53
Price to Sales (P/S)0.73
P/FCF Ratio5.07
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)N/A
Revenue Forecast (FY)N/A
Southern Banc Company Business Overview & Revenue Model
Company Description
The Southern Banc Company, Inc. serves as the parent organization for The Southern Bank Company, which delivers a wide array of banking products and services throughout Alabama. Its offerings cater to both individual and commercial clients. Person...
How the Company Makes Money
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Southern Banc Company Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
82
Very Positive
Cash Flow
71
Positive
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 12.62M | 12.13M | 10.60M | 9.75M | 7.56M | 5.55M |
| Gross Profit | 9.79M | 9.43M | 8.60M | 8.83M | 7.09M | 4.77M |
| EBITDA | 1.40M | 1.30M | 2.23M | 3.40M | 2.43M | 729.46K |
| Net Income | 1.06M | 915.44K | 1.60M | 2.47M | 1.74M | 478.00K |
Balance Sheet | ||||||
| Total Assets | 127.56M | 124.04M | 113.05M | 108.50M | 115.28M | 112.42M |
| Cash, Cash Equivalents and Short-Term Investments | 24.07M | 25.07M | 12.50M | 49.07M | 55.24M | 9.01M |
| Total Debt | 0.00 | 240.69K | 306.25K | 0.00 | 2.00M | 0.00 |
| Total Liabilities | 109.51M | 107.32M | 98.59M | 96.37M | 104.68M | 99.97M |
| Stockholders Equity | 18.05M | 16.72M | 14.47M | 12.12M | 10.60M | 12.45M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 1.75M | 2.35M | 1.94M | 2.42M | 4.58M |
| Operating Cash Flow | 0.00 | 1.79M | 2.54M | 1.97M | 2.56M | 4.65M |
| Investing Cash Flow | 0.00 | 1.72M | 65.15K | 4.86M | -8.75M | -24.50M |
| Financing Cash Flow | 0.00 | 9.07M | 1.28M | -8.12M | 4.81M | 5.50M |
Southern Banc Company Technical Analysis
Neutral
17.48
Price Trends
16.44
Positive
14.57
Positive
12.68
Positive
Market Momentum
0.27
Positive
54.61
Neutral
21.05
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SRNN, the sentiment is Neutral. The current price of 17.48 is above the 20-day moving average (MA) of 17.20, above the 50-day MA of 16.44, and above the 200-day MA of 12.68, indicating a neutral trend. The MACD of 0.27 indicates Positive momentum. The RSI at 54.61 is Neutral, neither overbought nor oversold. The STOCH value of 21.05 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for SRNN.
Southern Banc Company Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | $13.72M | 12.15 | 5.47% | ― | 5.14% | -11.48% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $47.15M | 26.88 | 2.87% | ― | 8.66% | 958.30% | |
42 Neutral | $2.02M | -0.17 | -303.81% | ― | -28.59% | 94.79% | |
41 Neutral | $13.17M | -83.02 | -0.48% | ― | 13.37% | -600.93% |
* Financial Sector Average
SRNN
Southern Banc Company
17.13
5.74
50.48%
CARV
Carver Bancorp
1.73
0.04
2.31%
GLBZ
Glen Burnie Bancorp
4.51
0.38
9.20%
KFFB
Kentucky First Federal Bancorp
6.34
3.14
98.12%
SHFS
SHF Holdings
0.17
-2.09
-92.61%
MBBC
Marathon Bancorp
15.40
5.07
49.08%
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.