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

SBNC Ratios and Metrics

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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 23, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	865	783	616	416	375	437
Market Cap Growth	88.74%	27.09%	48.11%	10.98%	-14.26%	39.85%
Last Close Price	11500.00	10394.58	8073.47	5360.30	4741.42	5405.33
PE Ratio	12.76	11.51	3.91	2.81	12.63	4.68
PS Ratio	4.40	3.98	2.03	1.46	2.78	2.15
PB Ratio	1.19	1.08	1.02	0.90	1.32	0.94
P/FCF Ratio	12.65	11.44	18.27	10.76	6.23	9.00
P/OCF Ratio	12.33	11.16	16.18	10.04	5.88	7.81
Debt / Equity Ratio	0.19	0.19	0.46	0.80	1.06	0.34
Debt / FCF Ratio	2.01	2.01	8.15	9.53	5.00	3.23
Net Debt / Equity Ratio	-0.19	-0.19	-0.02	0.57	0.57	-0.06
Net Debt / FCF Ratio	-2.04	-2.04	-0.33	6.78	2.68	-0.59
Return on Equity (ROE)	10.28%	10.28%	29.68%	39.88%	7.96%	21.75%
Return on Assets (ROA)	1.24%	1.24%	3.04%	3.06%	0.64%	2.22%
Earnings Yield	7.86%	8.72%	25.63%	35.69%	7.99%	21.41%
FCF Yield	7.91%	8.74%	5.47%	9.29%	16.05%	11.11%
Dividend Yield	0.22%	0.24%	0.31%	0.47%	0.53%	0.37%
Payout Ratio	2.77%	3.13%	1.37%	1.48%	7.45%	1.99%
Buyback Yield / Dilution	1.13%	1.13%	1.72%	1.08%	1.63%	0.87%
Total Shareholder Return	1.35%	1.38%	2.03%	1.54%	2.16%	1.24%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.