Stock fact sheet · data as of
South Atlantic Bancshares, Inc. (SABK): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is SABK undervalued?
SABK closed at 24.00 on 16 Oct 2026, 11% below the GLS average fair value of 26.99 from 9 models (6 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" rule of the Sunday Scan, and the Wheel Score gives it 17 of the 25 Value points.
There is a wide gap between DDM (1.47) and Graham Growth (49.28). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files SABK under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for SABK
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 41.47 | +73% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 32.01 | +33% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 49.28 | +105% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 14.93 | -38% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 14.55 | -39% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 37.75 | +57% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 24.64 | +3% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 1.47 | -94% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 26.85 | +12% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -224.70 | -1036% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
South Atlantic Bancshares, Inc. scores only 4 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 4.9/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 4.6%, ROE 12.0%, ROA 0.8% - with debt at 1.62 times equity and negative free cash flow.
The dividend yield is 0.42% with a payout ratio of 0% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 4.6% |
|---|---|---|---|
| GLS Moat | 4.9 / 10 | ROE | 12.0% |
| Debt / equity | 1.62 | ROA | 0.8% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
No options are listed on South Atlantic Bancshares, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 2k shares a day on a market cap of $183M, with a beta of 0.15 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 17 / 25 | 11% margin of safety | |
| Health | 9 / 20 | Piotroski 4/9 | |
| Moat | 7 / 15 | moat 4.9/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 2k shares/day, $183M cap, beta 0.15 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
South Atlantic Bancshares, Inc. reports earnings on 22 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to South Atlantic Bancshares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| SBFG SB Financial Group, Inc. | 29.34 | 38.02 | +23% | 39No options | $183M |
| FNWD Finward Bancorp | 41.79 | 76.03 | +45% | 39No options | $181M |
| CPKF Chesapeake Financial Shares, Inc. | 38.51 | 37.43 | -3% | 36No options | $181M |
| BVFL BV Financial, Inc. | 21.75 | 36.91 | +41% | 39No options | $184M |
| UBAB United Bancorporation of Alabama, Inc. | 60.35 | 135.73 | +56% | 39No options | $184M |
| FGFH Foresight Financial Group, Inc. | 49.89 | 42.68 | -17% | 30No options | $180M |
| PRMY Primary Bank | 37.25 | 34.86 | -7% | 26No options | $180M |
| QNBC QNB Corp. | 45.80 | 35.38 | -29% | 24No options | $185M |
| PLQC Plains Acquisition Corporation | 68.94 | 94.76 | +27% | 39No options | $178M |
| MSWV Main Street Financial Services Corp. | 24.00 | 47.16 | +49% | 39No options | $188M |
| INBC InBankshares, Corp | 15.95 | 12.97 | -23% | 26No options | $191M |
| SBKO Summit Bank Group, Inc. | 24.50 | 50.31 | +51% | 39No options | $191M |
⚖ Compare SABK with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about SABK
Is SABK undervalued right now?
By the GLS models, moderately: at 24.00 the stock trades 11% below the average fair value of 26.99 (data as of 16 Oct 2026).
What is the Wheel Score of SABK and what does it mean?
SABK has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for SABK?
26.99 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does South Atlantic Bancshares, Inc. report earnings next?
The next earnings report is due on 22 Oct 2026 (after the close), 6 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does SABK have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on SABK, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.