Southern Banc Co Inc provides personal and business banking solutions. It offers banking solutions for every personal banking need including Personal Checking, Mortgage Loans, Consumer Loans, and Home Equity Lines of Credit. The principal business of the Bank consists of accepting deposits from the general public through the Bank's main and branch offices and investing those funds in loans secured by real estate properties, commercial and consumer loans located in the Bank's primary market area, and factoring. The company serves small and medium-sized business customers the United States.

Financial Strength

6/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	No Debt
Equity-to-Asset	0.13
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
WACC vs ROIC		WACC ROIC

Growth Rank

3/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	21.5
	3-Year EPS without NRI Growth Rate	49.1
	3-Year FCF Growth Rate	-20.1
	3-Year Book Growth Rate	5.2

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	99.96
	9-Day RSI	99.33
	14-Day RSI	97.56
	6-1 Month Momentum %	0.64
	12-1 Month Momentum %	-4.04

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	0.1

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	18.64
	FCF Margin %	27.27
	ROE %	12.1
	ROA %	1.47
	Years of Profitability over Past 10-Year	6

GF Value Rank

7/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	6.52
	PE Ratio without NRI	6.52
	Shiller PE Ratio	28.98
	PEG Ratio	2.51
	PS Ratio	1.21
	PB Ratio	0.72
	Price-to-Tangible-Book	0.72
	Price-to-Free-Cash-Flow	4.44
	Price-to-Operating-Cash-Flow	4.1
	EV-to-Revenue	-0.25
	EV-to-FCF	-1.04
	Price-to-Projected-FCF	0.27
	Price-to-Median-PS-Value	0.84
	Price-to-Graham-Number	0.46
	FCF Yield %	22.68
	Forward Rate of Return (Yacktman) %	23.23

GF Value: $14.08

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