South Atlantic Bancshares (SABK) Stock Price, News & Analysis

Company Overview

South Atlantic Bancshares, Inc. is the bank holding company for South Atlantic Bank, a Florida-based community bank that provides a comprehensive suite of financial services. The company operates through its subsidiary to offer personalized banking solutions designed for individuals, small businesses, and commercial clients. By focusing on relationship-driven banking, South Atlantic Bancshares aims to deliver tailored financial products that address the unique needs of its customers.

The company’s core offerings include a variety of deposit accounts, such as checking, savings and money market products, alongside lending solutions encompassing commercial real estate loans, construction financing, equipment loans and consumer mortgages. In addition, South Atlantic Bancshares provides treasury management services, online and mobile banking platforms and merchant services, enabling clients to efficiently manage cash flow, payments and digital transactions through an integrated digital interface.

Headquartered in Jacksonville, Florida, South Atlantic Bancshares maintains a network of branch locations and lending offices across the state’s Atlantic corridor, serving markets from Jacksonville and St. Augustine to Vero Beach, Fort Pierce and Titusville. The company is guided by an executive leadership team with extensive experience in banking and financial services, focusing on community engagement and supporting regional economic development through targeted lending and deposit initiatives.

Key Stats

• Today's Range: $24.56 to $26.39
• 50-Day Range: $22.61 to $26.05
• 52-Week Range: $14.56 to $26.39
• Volume: 7,321 shs
• Average Volume: 2,065 shs
• Market Capitalization: $198.11 million
• P/E Ratio: 11.58
• Dividend Yield: 0.38%
• Price Target: N/A
• Consensus Rating: Hold

South Atlantic Bancshares Stock Analysis - MarketRank™

South Atlantic Bancshares scored higher than 27% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.0 / 5
• Analyst Rating: Hold

Consensus Rating

South Atlantic Bancshares has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

South Atlantic Bancshares has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 6.28%

Earnings Growth

Earnings for South Atlantic Bancshares are expected to grow by 6.28% in the coming year, from $2.39 to $2.54 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of South Atlantic Bancshares is 11.58, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.97.

Price to Earnings Ratio vs. Sector

The P/E ratio of South Atlantic Bancshares is 11.58, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.00.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.01% of the float of South Atlantic Bancshares has been sold short.

Short Interest Ratio / Days to Cover

South Atlantic Bancshares has a short interest ratio ("days to cover") of 0.16, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in South Atlantic Bancshares has recently increased by 21.08%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

South Atlantic Bancshares has a dividend yield of 0.38%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

South Atlantic Bancshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of South Atlantic Bancshares is 4.44%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, South Atlantic Bancshares will have a dividend payout ratio of 3.94% next year. This indicates that South Atlantic Bancshares will be able to sustain or increase its dividend.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 0.2 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, South Atlantic Bancshares insiders have not sold or bought any company stock.

Percentage Held by Institutions

13.34% of the stock of South Atlantic Bancshares is held by institutions.

Company Calendar

• Last Earnings: 4/23/2026
• Today: 5/30/2026
• Next Earnings (Estimated): 7/23/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: N/A
• Current Symbol: OTCMKTS:SABK
• Previous Symbol: OTC:SABK
• CIK: N/A
• Web: www.southatlantic.bank
• Phone: 843-839-0100
• Fax: N/A
• Employees: 161
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: 11.58
• Forward P/E Ratio: 10.90
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $102.25 million
• Price / Sales: 1.94
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 7,605,000
• Free Float: N/A
• Market Cap: $198.11 million
• Optionable: Not Optionable
• Beta: 0.10