Market Price

3,840.00 

0.00 0.0%

as of Feb 14 '20

52 Week Range:

3,275.00 3,901.00


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Southern BancShares (N.C.), Inc., through its subsidiary Southern Bank and Trust Company, provides commercial banking services to consumers and businesses in North Carolina and Virginia. It provides checking, savings, and individual retirement accounts, as well as certificates of deposit; personal loans, which include cash reserve, vehicle leasing, home equity line, credit card, and automotive loan products; mortgage loans; and business loans, such as business leasing, reserve plus, merchant accounts, and business credit cards, as well as construction, commercial, and agriculture loan products. The company also offers online and mobile banking services, night deposit services, cashier's checks, investment and brokerage services, ATM/Visa check cards, cell phone protection services, wire transfers, and safe deposit boxes. It operates through a network of 52 banking offices and 3 loan production offices in eastern North Carolina; and 10 banking offices in southeastern Virginia. Southern BancShares (N.C.), Inc. was founded in 1901 and is headquartered in Mount Olive, North Carolina.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '02 Dec '03 Dec '04 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Earnings BIT 15.23
13.49
9.79
growth rate -11.4% -27.4%
Avg.PE 22.26
9.90
5.93
growth rate -18.3% -40.1%
Balance Sheet Dec '02 Dec '03 Dec '04 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 5.28
4.91
4.93
24.95
9.67
2.52
growth rate -7.0% 0.4% 406.1% -61.3% -74.0%
Acct.Payable 1.92
1.36
1.45
1,874.68
1,802.25
2,120.70
2,246.03
2,299.63
growth rate -28.9% 6.1% 129,456.4% -3.9% 17.7% 5.9% 2.4%
Cur.Assets 525.69
318.56
155.00
220.77
183.43
growth rate -39.4% -51.3% 42.4% -16.9%
Total Assets 920.60
1,016.03
1,057.45
2,226.92
2,155.89
2,513.37
2,655.31
2,684.09
growth rate 10.4% 4.1% 110.6% -3.2% 16.6% 5.7% 1.1%
Cash 39.26
44.55
22.28
470.22
287.05
138.19
209.23
170.83
growth rate 13.5% -50.0% 2,010.2% -39.0% -51.9% 51.4% -18.4%
Inventory 22.98
12.79
1.80
0.78
0.35
growth rate -44.4% -85.9% -56.5% -54.8%
Cur.Liabilities 1,950.02
1,866.97
2,178.75
2,303.24
2,344.79
growth rate -4.3% 16.7% 5.7% 1.8%
Liabilities 843.09
927.51
961.43
2,015.93
1,939.46
2,257.97
2,360.55
2,390.62
growth rate 10.0% 3.7% 109.7% -3.8% 16.4% 4.5% 1.3%
LT Debt 23.00
23.71
23.71
30.84
40.84
40.84
30.84
23.71
growth rate 3.1% 0.0% 30.1% 32.4% 0.0% -24.5% -23.1%
Equity 77.51
88.52
96.02
209.14
214.58
253.56
292.94
291.66
growth rate 14.2% 8.5% 117.8% 2.6% 18.2% 15.5% -0.4%
Common Shares 0.57
0.56
0.55
0.41
0.41
0.41
0.41
0.41
growth rate -1.8% -1.3% -25.8% 0.0% 0.0% -0.7% 0.0%
Cash Flow Statement Dec '02 Dec '03 Dec '04 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 2.06
5.09
1.73
4.90
4.90
8.82
5.69
4.72
growth rate 147.0% -66.0% 183.6% 0.0% 80.0% -35.6% -16.9%
Cash Dividends 0.53
0.53
0.53
1.21
1.21
2.09
2.31
2.34
growth rate -0.2% 0.2% 126.7% 0.0% 73.6% 10.5% 1.3%
Cash From OA -22.36
13.33
4.31
5.76
5.76
14.10
12.45
36.89
growth rate 100.0% -67.7% 33.7% 0.0% 144.7% -11.8% 196.4%
Sale Purchase of Stock -0.14
-0.51
-0.68
growth rate 0.0% 0.0%
FCF -24.42
8.25
2.58
0.86
0.86
5.28
6.76
32.17
growth rate 100.0% -68.7% -66.6% 0.0% 511.1% 28.0% 375.8%
Income Statement Dec '02 Dec '03 Dec '04 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 60.24
58.57
56.35
80.38
83.13
95.32
107.91
109.12
growth rate -2.8% -3.8% 42.6% 3.4% 14.7% 13.2% 1.1%
Op.Income 15.23
13.49
9.79
12.52
15.83
27.18
38.12
39.02
growth rate -11.4% -27.4% 27.8% 26.5% 71.7% 40.3% 2.4%
IBT 12.96
11.34
7.74
9.41
12.59
20.74
35.16
36.38
growth rate -12.5% -31.8% 21.6% 33.9% 64.7% 69.5% 3.5%
Net Income 9.11
8.06
5.80
6.28
7.86
13.36
33.89
29.55
growth rate -11.5% -28.1% 8.3% 25.1% 70.1% 153.7% -12.8%
Gross Profit 46.93
47.79
46.14
80.38
83.13
95.32
107.91
109.12
growth rate 1.8% -3.4% 74.2% 3.4% 14.7% 13.2% 1.1%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable
growth rate
Acct.Payable 2,243.87
2,262.82
2,299.63
2,353.48
2,407.11
growth rate 0.8% 1.6% 2.3% 2.3%
Cur.Assets 140.44
176.68
183.43
233.34
184.57
growth rate 25.8% 3.8% 27.2% -20.9%
Total Assets 2,629.85
2,674.60
2,684.09
2,760.84
2,837.13
growth rate 1.7% 0.4% 2.9% 2.8%
Cash 140.44
176.68
170.83
233.34
184.57
growth rate 25.8% -3.3% 36.6% -20.9%
Inventory 0.35
growth rate
Cur.Liabilities 2,243.87
2,262.82
2,344.79
2,353.48
2,407.11
growth rate 0.8% 3.6% 0.4% 2.3%
Liabilities 2,344.12
2,376.59
2,390.62
2,449.40
2,505.37
growth rate 1.4% 0.6% 2.5% 2.3%
LT Debt 75.43
86.18
23.71
60.81
58.95
growth rate 14.2% -72.5% 156.5% -3.1%
Equity 283.91
296.19
291.66
309.63
329.95
growth rate 4.3% -1.5% 6.2% 6.6%
Common Shares 0.41
0.41
0.41
0.41
0.41
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures
growth rate
Cash Dividends
growth rate
Cash From OA
growth rate
Sale Purchase of Stock
growth rate
FCF
growth rate
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 27.07
39.84
10.95
36.50
38.30
growth rate 47.2% -72.5% 233.4% 4.9%
Op.Income 8.70
21.58
-4.73
16.48
18.71
growth rate 148.0% -100.0% 100.0% 13.6%
IBT 8.70
21.58
-7.37
16.48
18.71
growth rate 148.0% -100.0% 100.0% 13.6%
Net Income 6.87
16.58
-4.32
12.93
14.83
growth rate 141.3% -100.0% 100.0% 14.7%
Gross Profit 27.07
39.84
10.95
36.50
38.30
growth rate 47.2% -72.5% 233.4% 4.9%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (53.54)

YOY Growth Grade:

E (31.37)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.09 8.08
EPS / Growth 475.34

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 13.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 13.4% 13.4% 13.4%
Future PE 0.01 5.40 11.65
Future EPS 1,674.55 1,674.55 1,674.55
Value Price
MOS %
4.14
-99.9%
2,233.82
-41.8%
4,820.84
25.5%
MOS Price 2.07 1,116.91 2,410.42
IRT 5.31 5.31 5.31

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.