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SouthPoint Bancshares, Inc. SOUB

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Price alert · SOUB

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10.20 USD +0.15 +1.49%

At close · Oct 30

10.20 Day range 10.20
9.65 52-week range 20.18
YTD
-29.41%
1 year
-51.31%
Open
10.20
Prev close
10.05
Mkt cap
30.30M
Vol
100
Avg vol
1.25K
EPS
-10.63
P/E
0.00
More statistics
Low
10.20
High
10.20

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Financial health

Altman Z-Score

0.04 Distress zone

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

Piotroski F-Score

3 / 9 Weak

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

FMP rating

C+2 / 5 overall

  • DCF 1
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 3
  • P/E 1
  • P/B 5

Valuation

P/E -4.1×
FY 2016: 11.6×FY 2017: 11.1×FY 2018: 8.0×FY 2019: 8.4×FY 2020: 5.9×FY 2021: 9.1×FY 2022: 7.0×FY 2023: 5.3×FY 2024: -11.6×FY 2025: -4.1×
FY 2016 5y median 5.3× FY 2025
P/S 0.4×
FY 2016: 2.3×FY 2017: 2.1×FY 2018: 1.7×FY 2019: 1.6×FY 2020: 1.2×FY 2021: 1.7×FY 2022: 1.4×FY 2023: 0.9×FY 2024: 0.9×FY 2025: 0.4×
FY 2016 5y median 0.9× FY 2025
P/B 0.5×
FY 2016: 1.5×FY 2017: 1.3×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 0.9×FY 2021: 1.4×FY 2022: 1.0×FY 2023: 0.9×FY 2024: 1.2×FY 2025: 0.5×
FY 2016 5y median 1.0× FY 2025
P/FCF 1.6×
FY 2016: -31581×FY 2017: 19677×FY 2018: 20.8×FY 2019: 5.5×FY 2020: 19.9×FY 2021: 3.9×FY 2022: 4.9×FY 2023: 4.1×FY 2024: 8.2×FY 2025: 1.6×
FY 2016 5y median 4.1× FY 2025
EV/EBITDA 13.7×
FY 2016: 2.1×FY 2017: -241×FY 2018: 0.0×FY 2019: 2.6×FY 2020: 11.8×FY 2021: 10.9×FY 2022: 19.0×FY 2023: 8.0×FY 2024: -1.0×FY 2025: 13.7×
FY 2016 5y median 10.9× FY 2025
EV/Sales -1.4×
FY 2016: 2.2×FY 2017: 3.7×FY 2018: 2.2×FY 2019: 1.2×FY 2020: 3.2×FY 2021: 2.7×FY 2022: 5.3×FY 2023: 1.7×FY 2024: 0.1×FY 2025: -1.4×
FY 2016 5y median 1.7× FY 2025
FCF Yield 62.5%
FY 2016: -0.0%FY 2017: 0.0%FY 2018: 4.8%FY 2019: 18.3%FY 2020: 5.0%FY 2021: 25.7%FY 2022: 20.5%FY 2023: 24.1%FY 2024: 12.2%FY 2025: 62.5%
FY 2016 5y median 24.1% FY 2025

Profitability

Gross Margin 19.9%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 88.2%FY 2021: 80.8%FY 2022: 84.4%FY 2023: 59.3%FY 2024: 50.2%FY 2025: 19.9%
FY 2016 5y median 59.3% FY 2025
Operating Margin -11.8%
FY 2016: 27.0%FY 2017: 30.8%FY 2018: 25.1%FY 2019: 24.3%FY 2020: 25.3%FY 2021: 23.4%FY 2022: 26.4%FY 2023: 20.0%FY 2024: -10.5%FY 2025: -11.8%
FY 2016 5y median 20.0% FY 2025
Net Margin -9.1%
FY 2016: 19.5%FY 2017: 18.8%FY 2018: 20.7%FY 2019: 19.3%FY 2020: 19.7%FY 2021: 18.2%FY 2022: 20.6%FY 2023: 15.6%FY 2024: -7.5%FY 2025: -9.1%
FY 2016 5y median 15.6% FY 2025
ROE -12.3%
FY 2016: 13.1%FY 2017: 11.7%FY 2018: 14.3%FY 2019: 13.6%FY 2020: 15.9%FY 2021: 15.0%FY 2022: 14.6%FY 2023: 15.1%FY 2024: -10.1%FY 2025: -12.3%
FY 2016 5y median 14.6% FY 2025
ROIC -8.4%
FY 2016: 1.1%FY 2017: 1.0%FY 2018: 1.3%FY 2019: 1.3%FY 2020: 1.3%FY 2021: 1.1%FY 2022: 0.9%FY 2023: 0.9%FY 2024: -0.5%FY 2025: -8.4%
FY 2016 5y median 0.9% FY 2025
ROA -0.7%
FY 2016: 1.1%FY 2017: 1.0%FY 2018: 1.2%FY 2019: 1.2%FY 2020: 1.3%FY 2021: 1.1%FY 2022: 0.9%FY 2023: 0.9%FY 2024: -0.5%FY 2025: -0.7%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue -8.1%
FY 2016: 28.6%FY 2017: 8.9%FY 2018: 26.9%FY 2019: 23.2%FY 2020: 43.7%FY 2021: 14.3%FY 2022: 44.0%FY 2023: 62.4%FY 2024: 24.8%FY 2025: -8.1%
FY 2016 FY 2025
Operating Income -3.1%
FY 2016: 47.5%FY 2017: 24.6%FY 2018: 3.1%FY 2019: 19.5%FY 2020: 49.3%FY 2021: 5.8%FY 2022: 62.3%FY 2023: 23.3%FY 2024: -165.5%FY 2025: -3.1%
FY 2016 FY 2025
EPS (diluted) -9.3%
FY 2016: 55.7%FY 2017: 4.0%FY 2018: 38.9%FY 2019: 14.7%FY 2020: 45.6%FY 2021: 5.8%FY 2022: 14.0%FY 2023: 22.8%FY 2024: -159.7%FY 2025: -9.3%
FY 2016 FY 2025
Free Cash Flow 98.0%
FY 2016: -120.8%FY 2017: 262.4%FY 2018: 95031.8%FY 2019: 356.4%FY 2020: -71.9%FY 2021: 742.3%FY 2022: 0.2%FY 2023: 20.6%FY 2024: -39.8%FY 2025: 98.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.2×FY 2019: 0.4×FY 2020: 0.0×FY 2021: 148×FY 2022: 353×FY 2023: 284×FY 2024: 0.0×FY 2025: 0.2×
FY 2016 5y median 148× FY 2025
Quick Ratio 0.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.2×FY 2019: 0.7×FY 2020: 0.0×FY 2021: 283×FY 2022: 696×FY 2023: 284×FY 2024: 0.0×FY 2025: 0.2×
FY 2016 5y median 283× FY 2025
Debt / Equity 0.4×
FY 2016: 0.3×FY 2017: 1.1×FY 2018: 0.6×FY 2019: 0.1×FY 2020: 2.0×FY 2021: 1.6×FY 2022: 4.1×FY 2023: 1.6×FY 2024: 0.4×FY 2025: 0.4×
FY 2016 5y median 1.6× FY 2025
Net Debt / EBITDA 17.2×
FY 2016: -0.1×FY 2017: -104×FY 2018: 0.0×FY 2019: -0.8×FY 2020: 7.5×FY 2021: 4.2×FY 2022: 13.8×FY 2023: 3.7×FY 2024: 8.4×FY 2025: 17.2×
FY 2016 5y median 8.4× FY 2025
Interest Coverage -0.2×
FY 2016: 0.0×FY 2017: 2.8×FY 2018: 13.1×FY 2019: 1.2×FY 2020: 2.1×FY 2021: 2.4×FY 2022: 1.7×FY 2023: 0.5×FY 2024: -0.2×FY 2025: -0.2×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 0.0%
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: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
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: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31