SABK(SABK)

$25.83—Stale · unknown old

Ask SA Chart

SABK(SABK)

OTC • Last print unknown ago

$25.83—Stale · unknown old

Ask SA Chart Studio

SABK(SABK)

SABK

9/16/26

South Atlantic Bancshares (SABK)

Wednesday

6:37 AM

ThesisThe recent expansion in loan demand and improvement in credit quality metrics are driving positive sentiment around SABK's growth prospects.

Revenue Outlook

Metric	FY2025	FY2026E	FY2027E
Revenue	$102M	$68M	$72M
Rev. Growth	+9.6%	-33.8%	+6.5%
EPS	$2.15	$2.43	$2.58
EPS Growth	+61.7%	+13.0%	+6.2%
P/E (fwd)	12.0×	10.6×	10.0×

★ Analysts see FY2027 revenue reaching $72M — +6.5% growth in a single year.

What’s Driving the Stock

01SABK's loan portfolio has grown by 15% YoY, driven by increased demand for commercial real estate financing in the Carolinas.
02The bank's net interest margin has expanded to 3.5%, up from 3.2% last year, benefiting from rising interest rates.
03SABK has successfully reduced its non-performing loans ratio to 1.2%, down from 1.8%, indicating improved credit quality.
04The bank is expanding its digital banking platform, aiming for a 25% increase in online account openings over the next year.
05Digital banking transformation
06Regional economic recovery
07Changes in the Federal Funds Rate impacting net interest margins
08Growth in commercial and residential loan demand in the southeastern U.S.

FY2025 Snapshot

Revenue: $102M
Rev. Growth: +9.6%
Gross Margin: 58.8%
Op. Margin: 19.9%
Net Margin: 15.8%
Net Income: $16M
NI Growth: +60.8%
EPS: $2.15
1Y Return: +50.0%

SABK Chart

My Notes

"Management noted, 'Our focus on local markets is yielding strong results as we see increased demand for our lending products.'"
Moat: SABK's localized service and strong community ties provide a durable competitive advantage in its operating regions.
value - due to its strong fundamentals and potential for steady growth in a recovering economy.
Rising interest rates typically enhance SABK's net interest margin, improving profitability.
Watch on earnings: Federal Funds Rate, Loan growth rate, Net interest margin.

One Sentence Summary:

The bull case is simple: analysts see revenue climbing from $68M to $72M as sabk's loan portfolio has grown by 15% yoy, driven by increased demand for commercial real estate financing.

Auto-composed from Stock Alarm intelligence, financial statements, and analyst estimates. Not investment advice.

Explore More

S&P 500 Screener

Filter and sort all 500 stocks

Market Movers

Today's biggest gainers and losers

Market Heatmap

Visual sector performance

Metric

FY2025

FY2026E

FY2027E

P/E (fwd)

12.0×

10.6×

10.0×

What’s Driving the Stock

01SABK's loan portfolio has grown by 15% YoY, driven by increased demand for commercial real estate financing in the Carolinas.

02The bank's net interest margin has expanded to 3.5%, up from 3.2% last year, benefiting from rising interest rates.

03SABK has successfully reduced its non-performing loans ratio to 1.2%, down from 1.8%, indicating improved credit quality.

04The bank is expanding its digital banking platform, aiming for a 25% increase in online account openings over the next year.

05Digital banking transformation

06Regional economic recovery

07Changes in the Federal Funds Rate impacting net interest margins

08Growth in commercial and residential loan demand in the southeastern U.S.

My Notes

"Management noted, 'Our focus on local markets is yielding strong results as we see increased demand for our lending products.'"

Moat: SABK's localized service and strong community ties provide a durable competitive advantage in its operating regions.

value - due to its strong fundamentals and potential for steady growth in a recovering economy.

Rising interest rates typically enhance SABK's net interest margin, improving profitability.

Watch on earnings: Federal Funds Rate, Loan growth rate, Net interest margin.