Stock fact sheet · data as of
SouthPoint Bancshares, Inc. (SOUB): fair value, margin of safety and Wheel Score
Ticker symbol SOUB · Financial Services · Banks - Regional · United States · Speculative
Is SOUB undervalued?
SOUB has a margin of safety of 90%: the stock closed at 10.41 on 5 Nov 2026 against a GLS average fair value of 103.17. 2 of the 2 valuation models that produced a number sit above the price. Our scans treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
The average is built from just 2 models (DCF, 10 Cap) - the rest returned nothing because an input they need (dividends, free cash flow, book value) is zero or negative - so treat it with more caution than usual.
The nightly engine files SOUB under Speculative - it is losing money or its Piotroski health score is 3 or lower - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for SOUB
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 | 94.66 | +809% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | 111.68 | +973% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | -414.41 | -4081% | 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
SouthPoint Bancshares, Inc. scores only 3 of 9 on the Piotroski F-score, which fails the "Piotroski 6 or more" Wheel Trade Filter. 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 4.1/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC -8.8%, ROE -12.3%, ROA -0.7% - with debt at 0.40 times equity and a free-cash-flow yield of 84.7%.
SouthPoint Bancshares, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 3 / 9 | ROIC | -8.8% |
|---|---|---|---|
| GLS Moat | 4.1 / 10 | ROE | -12.3% |
| Debt / equity | 0.40 | ROA | -0.7% |
| Free-cash-flow yield | 84.7% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 28: No options
No options are listed on SouthPoint Bancshares, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 28, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 1k shares a day on a market cap of $31M, with a beta of 0.35 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Fails | speculative (a loss, or a weak Piotroski score) |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 3/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $31M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 90% below fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 4.1/10 | |
| Health | Weak | Piotroski 3/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.35, $31M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for SOUB in the nightly calendar.
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 SouthPoint 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 |
|---|---|---|---|---|---|
| PCLB Pinnacle Bancshares, Inc. | 34.75 | 88.29 | +61% | 32No options | $31M |
| CDAB Coeur d'Alene Bancorp, Inc. | 15.98 | 16.57 | +4% | 22No options | $30M |
| ELMA Elmer Bancorp, Inc. | 26.00 | 53.95 | +52% | 32No options | $30M |
| WVFC WVS Financial Corp. | 19.40 | 25.55 | +24% | 29No options | $32M |
| PFSB PFS Bancorp, Inc. | 20.70 | 33.56 | +38% | 32No options | $32M |
| JFWV JSB Financial Inc. | 125.39 | 272.85 | +54% | 32No options | $32M |
| WOBK Woodsboro Bank | 82.00 | 182.45 | +55% | 32No options | $32M |
| PPAL Peoples Trust Company of St. Albans | 60.10 | 201.81 | +70% | 31No options | $33M |
| VWFB VWF Bancorp, Inc. | 14.89 | 7.12 | -109% | 15No options | $29M |
| CNBZ CNB Corporation | 27.75 | 59.73 | +54% | 32No options | $34M |
| IBWC IBW Financial Corporation | 52.80 | 25.36 | -108% | 16No options | $34M |
| BKUT Bank of Utica | 685.00 | 3,170.95 | +78% | 30No options | $34M |
⚖ Compare SOUB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about SOUB
Is SOUB undervalued right now?
By the GLS models, yes: at 10.41 the stock is 90% below the average fair value of 103.17 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of SOUB and what does it mean?
SOUB has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for SOUB?
103.17 per share as of 5 Nov 2026 - the simple average of the 2 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 SouthPoint Bancshares, Inc. report earnings next?
No upcoming earnings date is recorded for SOUB in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does SOUB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on SOUB, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.