Southern BancShares (N.C.), Inc. (SBNC)

SBNC Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 3, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	693	616	416	375	437	312
Market Cap Growth	42.89%	48.11%	10.98%	-14.26%	39.85%	0.75%
Last Close Price	9200.00	8082.51	5366.30	4746.73	5411.38	3824.87
PE Ratio	7.01	3.91	2.81	12.63	4.68	7.09
PS Ratio	2.96	2.03	1.46	2.78	2.15	2.20
PB Ratio	1.09	1.02	0.90	1.32	0.94	0.80
P/FCF Ratio	-	18.27	10.76	6.23	9.00	12.19
P/OCF Ratio	-	16.18	10.04	5.88	7.81	10.55
Debt / Equity Ratio	0.20	0.46	0.80	1.06	0.34	0.22
Debt / FCF Ratio	-	8.15	9.53	5.00	3.23	3.31
Return on Equity (ROE)	17.66%	29.68%	39.88%	7.96%	21.75%	11.84%
Return on Assets (ROA)	1.94%	3.04%	3.06%	0.64%	2.22%	1.30%
Earnings Yield	14.51%	25.63%	35.69%	7.99%	21.41%	14.29%
FCF Yield	-	5.47%	9.29%	16.05%	11.11%	8.20%
Dividend Yield	0.27%	0.31%	0.47%	0.53%	0.37%	0.39%
Payout Ratio	-	1.37%	1.48%	7.45%	1.99%	3.98%
Buyback Yield / Dilution	0.51%	1.72%	1.08%	1.63%	0.87%	0.76%
Total Shareholder Return	0.78%	2.03%	1.54%	2.16%	1.24%	1.15%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.