SABK

South Atlantic Bancshares, Inc.

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Price alert · SABK

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24.40 USD 0.00 0.00%
As of Oct 30, 2026
24.10 Day range 24.48
19.00 52-week range 26.05
YTD
+23.54%
1 year
+28.08%
Open
24.10
Prev close
24.40
Mkt cap
185.62M
Vol
111
Avg vol
818
EPS
2.47
P/E
9.88
More statistics
Low
24.10
High
24.48
Earnings
Jan 23, 2025

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Financial health

Altman Z-Score

0.26 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 3
  • P/B 3

Valuation

P/E 9.2×
FY 2016: 23.5×FY 2017: 29.9×FY 2018: 23.0×FY 2019: 15.6×FY 2020: 12.8×FY 2021: 10.6×FY 2022: 8.5×FY 2023: 9.6×FY 2024: 12.0×FY 2025: 9.2×
FY 2016 5y median 9.6× FY 2025
P/S 1.5×
FY 2016: 3.1×FY 2017: 4.1×FY 2018: 2.6×FY 2019: 2.5×FY 2020: 2.2×FY 2021: 2.4×FY 2022: 1.9×FY 2023: 1.3×FY 2024: 1.3×FY 2025: 1.5×
FY 2016 5y median 1.5× FY 2025
P/B 1.1×
FY 2016: 1.6×FY 2017: 1.6×FY 2018: 1.0×FY 2019: 1.1×FY 2020: 0.9×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 1.1×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/FCF 17.0×
FY 2016: 15.0×FY 2017: 21.6×FY 2018: 12.9×FY 2019: -25.7×FY 2020: -3.9×FY 2021: 3.2×FY 2022: 4.2×FY 2023: 16.6×FY 2024: 16.6×FY 2025: 17.0×
FY 2016 5y median 16.6× FY 2025
EV/EBITDA 14.7×
FY 2016: 18.0×FY 2017: 27.3×FY 2018: 16.5×FY 2019: 10.6×FY 2020: 7.4×FY 2021: 5.3×FY 2022: 11.3×FY 2023: 19.5×FY 2024: 19.9×FY 2025: 14.7×
FY 2016 5y median 14.7× FY 2025
EV/Sales 2.9×
FY 2016: 4.0×FY 2017: 5.1×FY 2018: 3.0×FY 2019: 2.5×FY 2020: 1.8×FY 2021: 1.7×FY 2022: 3.4×FY 2023: 4.0×FY 2024: 2.8×FY 2025: 2.9×
FY 2016 5y median 2.9× FY 2025
FCF Yield 5.9%
FY 2016: 6.6%FY 2017: 4.6%FY 2018: 7.7%FY 2019: -3.9%FY 2020: -25.8%FY 2021: 31.7%FY 2022: 23.9%FY 2023: 6.0%FY 2024: 6.0%FY 2025: 5.9%
FY 2016 5y median 6.0% FY 2025

Profitability

Gross Margin 58.8%
FY 2016: 89.5%FY 2017: 88.8%FY 2018: 88.1%FY 2019: 83.2%FY 2020: 87.4%FY 2021: 92.6%FY 2022: 88.6%FY 2023: 63.0%FY 2024: 52.3%FY 2025: 58.8%
FY 2016 5y median 63.0% FY 2025
Operating Margin 19.9%
FY 2016: 18.4%FY 2017: 15.5%FY 2018: 14.5%FY 2019: 20.2%FY 2020: 21.2%FY 2021: 28.4%FY 2022: 28.1%FY 2023: 17.2%FY 2024: 19.8%FY 2025: 19.9%
FY 2016 5y median 19.9% FY 2025
Net Margin 15.8%
FY 2016: 13.3%FY 2017: 13.8%FY 2018: 11.5%FY 2019: 16.3%FY 2020: 17.3%FY 2021: 22.7%FY 2022: 22.5%FY 2023: 13.5%FY 2024: 10.8%FY 2025: 15.8%
FY 2016 5y median 15.8% FY 2025
ROE 12.0%
FY 2016: 7.0%FY 2017: 5.3%FY 2018: 4.4%FY 2019: 6.9%FY 2020: 7.4%FY 2021: 10.3%FY 2022: 13.4%FY 2023: 9.7%FY 2024: 8.8%FY 2025: 12.0%
FY 2016 5y median 10.3% FY 2025
ROIC 3.3%
FY 2016: 4.2%FY 2017: 4.1%FY 2018: 3.5%FY 2019: 3.0%FY 2020: 0.8%FY 2021: 1.4%FY 2022: 6.3%FY 2023: 3.1%FY 2024: 1.2%FY 2025: 3.3%
FY 2016 5y median 3.1% FY 2025
ROA 0.8%
FY 2016: 0.6%FY 2017: 0.6%FY 2018: 0.5%FY 2019: 0.8%FY 2020: 0.8%FY 2021: 0.9%FY 2022: 0.9%FY 2023: 0.6%FY 2024: 0.6%FY 2025: 0.8%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 9.6%
FY 2016: 16.4%FY 2017: 19.1%FY 2018: 29.8%FY 2019: 22.9%FY 2020: 12.0%FY 2021: 15.1%FY 2022: 12.4%FY 2023: 37.9%FY 2024: 25.8%FY 2025: 9.6%
FY 2016 FY 2025
Operating Income 9.7%
FY 2016: 15.9%FY 2017: -0.1%FY 2018: 21.5%FY 2019: 71.8%FY 2020: 17.6%FY 2021: 53.8%FY 2022: 11.1%FY 2023: -15.5%FY 2024: 45.2%FY 2025: 9.7%
FY 2016 FY 2025
EPS (diluted) 60.3%
FY 2016: 5.3%FY 2017: -11.7%FY 2018: -11.3%FY 2019: 70.2%FY 2020: 20.0%FY 2021: 49.0%FY 2022: 10.5%FY 2023: -16.5%FY 2024: -0.8%FY 2025: 60.3%
FY 2016 FY 2025
Free Cash Flow 19.5%
FY 2016: 177.9%FY 2017: 8.6%FY 2018: 38.5%FY 2019: -159.9%FY 2020: -544.0%FY 2021: 255.0%FY 2022: -32.9%FY 2023: -76.5%FY 2024: 26.2%FY 2025: 19.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 747×FY 2020: 15742×FY 2021: 6265×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 882×FY 2020: 15742×FY 2021: 7964×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 1.6×
FY 2016: 0.6×FY 2017: 0.5×FY 2018: 0.3×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.4×FY 2022: 1.0×FY 2023: 2.1×FY 2024: 1.7×FY 2025: 1.6×
FY 2016 5y median 1.6× FY 2025
Net Debt / EBITDA 7.4×
FY 2016: 3.9×FY 2017: 5.4×FY 2018: 2.2×FY 2019: -0.2×FY 2020: -1.7×FY 2021: -2.4×FY 2022: 5.0×FY 2023: 13.1×FY 2024: 10.6×FY 2025: 7.4×
FY 2016 5y median 7.4× FY 2025
Interest Coverage 0.5×
FY 2016: 2.5×FY 2017: 2.1×FY 2018: 1.5×FY 2019: 1.4×FY 2020: 2.5×FY 2021: 6.2×FY 2022: 3.6×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 0.5%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.8%FY 2024: 0.6%FY 2025: 0.5%
FY 2016 5y median 0.5% FY 2025
Payout Ratio 4.6%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 7.5%FY 2024: 7.5%FY 2025: 4.6%
FY 2016 5y median 4.6% FY 2025

Annual · latest fiscal year ends 2025-12-31