Southern Banc Company Inc (SRNN)
OTHER OTC:SRNN
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Southern Banc Company
(OTC:SRNN)
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Rating:74Outperform
Price Target:
$13.00
▲(25.73% Upside)
Action:UpgradedDate:03/24/26
The score is driven primarily by solid financial stability (low leverage and improving equity base) despite weakening profitability, supported by favorable technical trend signals. A low P/E meaningfully improves the overall profile, but margin/ROE compression keeps the score from being higher.
Positive Factors
Conservative capital structure
Very low leverage and a rising equity base provide durable financial flexibility and regulatory cushion. Over the next 2–6 months this supports lending capacity, resilience to credit stress, and optionality for strategic investments or capital returns without needing urgent external financing.
Negative Factors
Sharply weakening profitability
Rapid margin and ROE compression materially reduces returns on invested capital and erodes the bank's ability to organically grow equity. Persistently lower profitability weakens internal funding capacity and makes it harder to absorb shocks or justify reinvestment over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative capital structure
Very low leverage and a rising equity base provide durable financial flexibility and regulatory cushion. Over the next 2–6 months this supports lending capacity, resilience to credit stress, and optionality for strategic investments or capital returns without needing urgent external financing.
Read all positive factors
Southern Banc Company (SRNN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$9.20M
Dividend YieldN/A
Average Volume (3M)51.00
Price to Earnings (P/E)5.2
Beta (1Y)0.08
Revenue Growth10.26%
EPS Growth-34.42%
CountryUS
Employees31
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.49
Shares Outstanding807,000
10 Day Avg. Volume26
30 Day Avg. Volume51
Financial Highlights & Ratios
PEG Ratio-0.22
Price to Book (P/B)0.53
Price to Sales (P/S)0.73
P/FCF Ratio5.07
Enterprise Value/Market Cap-1.99
Enterprise Value/Revenue-1.51
Enterprise Value/Gross Profit-1.94
Enterprise Value/Ebitda-15.21
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
Southern Banc Company (SRNN) is a financial institution that provides a wide range of banking services primarily in the southeastern region of the United States. The company operates in various sectors including retail banking, commercial banking,...
Southern Banc Company Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
82
Very Positive
Cash Flow
71
Positive
| Breakdown | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 12.13M | 10.60M | 9.75M | 7.56M | 5.55M |
| Gross Profit | 9.43M | 8.60M | 8.83M | 7.09M | 4.77M |
| EBITDA | 1.30M | 2.23M | 3.40M | 2.43M | 729.46K |
| Net Income | 915.44K | 1.60M | 2.47M | 1.74M | 478.00K |
Balance Sheet | |||||
| Total Assets | 124.04M | 113.05M | 108.50M | 115.28M | 112.42M |
| Cash, Cash Equivalents and Short-Term Investments | 25.07M | 12.50M | 49.07M | 55.24M | 9.01M |
| Total Debt | 240.69K | 306.25K | 0.00 | 2.00M | 0.00 |
| Total Liabilities | 107.32M | 98.59M | 96.37M | 104.68M | 99.97M |
| Stockholders Equity | 16.72M | 14.47M | 12.12M | 10.60M | 12.45M |
Cash Flow | |||||
| Free Cash Flow | 1.75M | 2.35M | 1.94M | 2.42M | 4.58M |
| Operating Cash Flow | 1.79M | 2.54M | 1.97M | 2.56M | 4.65M |
| Investing Cash Flow | 1.72M | 65.15K | 4.86M | -8.75M | -24.50M |
| Financing Cash Flow | 9.07M | 1.28M | -8.12M | 4.81M | 5.50M |
Southern Banc Company Technical Analysis
Neutral
10.34
Price Trends
11.32
Positive
10.83
Positive
10.92
Positive
Market Momentum
0.05
Positive
43.72
Neutral
23.53
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 10.34 is below the 20-day moving average (MA) of 11.57, below the 50-day MA of 11.32, and below the 200-day MA of 10.92, indicating a neutral trend. The MACD of 0.05 indicates Positive momentum. The RSI at 43.72 is Neutral, neither overbought nor oversold. The STOCH value of 23.53 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $9.20M | 5.16 | 5.47% | ― | 10.26% | -34.42% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
54 Neutral | $36.15M | 30.97 | 1.71% | ― | 15.56% | ― | |
51 Neutral | $13.72M | -427.49 | 0.09% | ― | 5.76% | -72.73% | |
43 Neutral | $2.50M | 424.54 | -229.75% | ― | -42.15% | -1001.66% |
* Financial Sector Average
SRNN
Southern Banc Company
11.64
0.71
6.55%
CARV
Carver Bancorp
1.79
0.39
27.86%
GLBZ
Glen Burnie Bancorp
4.86
-0.48
-9.08%
KFFB
Kentucky First Federal Bancorp
4.29
1.47
52.13%
SHFS
SHF Holdings
0.79
-1.39
-63.81%
MBBC
Marathon Bancorp
14.15
4.32
43.95%
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.