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Equity
SouthPoint Bancshares Inc(SOUB)
USD --+0.00%
Reward29Low
Risk52Moderate
📊75%Data
Thin -120% profit margin · Revenue down 26% YoY
SOUB
+0.0 · +0.00%
USD · OTCQX
SouthPoint Bancshares Inc | Financial Services
Earnings Deterioration
Market Cap:41.20M
ℹ️
Reward Rating
29
Low
Bottom 1% (model universe)
75% data coverage
ℹ️
Risk Rating
52
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on SOUB to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is SouthPoint Bancshares Inc?

, through its subsidiary, SouthPoint Bank, provides various banking products and services in central Alabama.

SOUB · Verdict

Limited reward · elevated risk

SOUB stands out on volatility and valuation, but watch the cash flow signal.

Based on 88% data coverage

SOUB · Verdict

What’s working & what to watch

Strengths 2

  • Volatility95/100

    Top decile vs peers

  • Valuation65/100

    Above average

Watchouts 3

  • Cash flow5/100

    -16% net margin

  • Profitability8/100

    -16% net margin · -10% ROE

  • Growth13/100

    Revenue -0.8% CAGR

Model-based scoring. For information only — not financial advice.

What is SouthPoint Bancshares Inc?

, through its subsidiary, SouthPoint Bank, provides various banking products and services in central Alabama. The company accepts various deposits, such as checking, saving, money market, and IRA accounts; and certificates of deposit. The company is listed on the OTCQX in USA, operating in the Financial Services sector, with a market capitalisation of 41.20M.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue growth is subdued, limiting near-term earnings expansion.
💰 Profitability
Thin or inconsistent margins weigh on earnings quality.
⚠️ Risk
Performance tied to macro conditions — sensitive to interest rate cycles.
💸 Valuation
Valuation is less clear with a negative earnings base.

OpenBook Logo Analysis

Reward: Low (29)

The scoring profile indicates weak reward characteristics across most factors, including valuation and momentum. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap41.20M
P/E RatioN/A
Dividend YieldN/A
52 Week High35.25
52 Week Low13.15
Last AnnualDecember
IPO DateN/A
IncorporatedUSA
Shares Outstanding3M
No. of EmployeesN/A
IndustryBanks - Regional
ExchangeOTCQX
Beta0.229
CurrencyUSD
Websitesouthpoint.bank
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