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Southern Banc Company (SRNN) AI Stock Analysis
Southern Banc Company
(Other OTC:SRNN)
SRNN receives a moderate overall score driven largely by robust technical momentum and an attractive valuation, though weighed down by underlying operational challenges. While the stock price exhibits a strong uptrend and the company benefits from a fortress balance sheet, significant profitability margin compression and declining free cash flow pose primary fundamental risks.
Southern Banc Company (SRNN) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $12.50M
- Dividend Yield
- ―
- Average Volume (3M)
- 1,681
- Price to Earnings (P/E)
- 8.8
- Beta (1Y)
- 0.07
- Revenue Growth
- 8.47%
- EPS Growth
- 54.75%
- Country
- US
- Employees
- 31
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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. Personal...
How the Company Makes Money
null
Southern Banc Company Financial Statement Overview
Summary
The company boasts a pristine balance sheet with minimal debt and strong cash conversion. However, severe margin contraction and declining free cash flow offset these strengths, resulting in a mixed fundamental profile.
Income Statement
40NegativeBalance Sheet
65PositiveCash Flow
60Neutral| Breakdown | TTM | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 13.16M | 13.16M | 12.13M | 10.60M | 9.75M | 7.56M |
| Gross Profit | 10.01M | 9.94M | 9.43M | 8.60M | 8.83M | 7.09M |
| EBITDA | 1.90M | 1.90M | 1.30M | 2.23M | 3.40M | 2.43M |
| Net Income | 1.42M | 1.42M | 915.44K | 1.60M | 2.47M | 1.74M |
Balance Sheet | ||||||
| Total Assets | 131.76M | 131.76M | 124.04M | 113.05M | 108.50M | 115.28M |
| Cash, Cash Equivalents and Short-Term Investments | 19.18M | 19.18M | 25.07M | 12.50M | 49.07M | 55.24M |
| Total Debt | 0 | 0 | 240.69K | 306.25K | 0 | 2.00M |
| Total Liabilities | 113.35M | 113.35M | 107.32M | 98.59M | 96.37M | 104.68M |
| Stockholders Equity | 18.41M | 18.41M | 16.72M | 14.47M | 12.12M | 10.60M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 0 | 1.75M | 2.35M | 1.94M | 2.42M |
| Operating Cash Flow | 0 | 0 | 1.79M | 2.54M | 1.97M | 2.56M |
| Investing Cash Flow | 0 | 0 | 1.72M | 65.15K | 4.86M | -8.75M |
| Financing Cash Flow | 0 | 0 | 9.07M | 1.28M | -8.12M | 4.81M |
Southern Banc Company Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SRNN, the sentiment is Negative. The current price of 16.45 is below the 20-day moving average (MA) of 16.57, below the 50-day MA of 16.70, and above the 200-day MA of 14.14, indicating a neutral trend. The MACD of -0.05 indicates Positive momentum. The RSI at 43.71 is Neutral, neither overbought nor oversold. The STOCH value of 8.33 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SRNN.
Southern Banc Company Peers Comparison
Overall Rating
- SRNN64Neutral
KFFB62Neutral
GLBZ52Neutral
SHFS39Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| SRNN | 64Neutral | $12.50M | 8.80 | 7.93% | ― | 8.47% | 54.75% |
| KFFB | 62Neutral | $43.18M | 22.64 | 3.86% | 0.94% | 8.69% | 958.30% |
| GLBZ | 52Neutral | $12.19M | -76.49 | -0.39% | ― | 17.13% | -395.56% |
| SHFS | 39Underperform | $1.55M | -0.01 | -52.68% | ― | -28.59% | 94.79% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| SRNN | Southern Banc Company | 16.45 | 6.41 | 63.84% | |
| CARV | Carver Bancorp | 1.85 | -1.14 | -38.13% | |
| GLBZ | Glen Burnie | 4.17 | -0.52 | -10.98% | |
| KFFB | Kentucky First Federal | 5.34 | 1.39 | 35.29% | |
| SHFS | Shf Holdings Inc. | 0.06 | -29.82 | -99.79% | |
| MBBC | Marathon Bancorp, Inc. | 14.44 | 3.50 | 31.95% |
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.
Date of analysis: Jun 27, 2026