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SouthPoint Bancshares(OTC) SOUB

Market Cap$30.13MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2019)-41%
5 Year-69%
1 Year-52%
1 Month-27%
$10.38
+1.44%
+0.15Today
SouthPoint Bancshares last closing stock price
MetricPriceDate
Last closeUSD 10.382026-08-14
SouthPoint Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-11.26%USD 11.702026-08-07
1 month-27.4%USD 14.302026-07-10
3 month-39.29%USD 17.102026-05-15
Year to date-28.15%USD 14.452025-12-31
1 year-51.71%USD 21.502025-08-14
3 year-64.2%USD 29.002023-08-15
5 year-69.46%USD 33.992021-08-12
Since inception-40.67%USD 17.502019-06-11

SouthPoint Bancshares Financials at a Glance

Market Cap

$30.13MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$70.03M

Net Income (TTM)

-$28.43M

EPS (TTM)

$0.00

P/E Ratio

0.00

Dividend

$0.00

Beta (Volatility)

-0.03 (Low)

Price

$10.38

Volume

75

Open

$10.10

Previous Close

$10.38

Daily Range

$10.10 - $10.40

52-Week Range

$10.10 - $21.80

Estimated Earnings Date

Jul 25, 2024

SOUB News

No articles available.

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About SouthPoint Bancshares

SouthPoint Bancshares, Inc. is a regional bank based in Birmingham, Alabama, providing a range of banking products and services primarily in central Alabama. The company operates through its subsidiary, SouthPoint Bank, and focuses on meeting the financial needs of individuals and businesses.

Products and Services
  • Various deposit accounts including checking, savings, and money market accounts
  • Commercial, residential, and consumer loan offerings
  • Wealth management and online banking services
Growth Outlook
  • Recent revenue of $21.77 million indicates a stable income stream
  • Strong interest income of $19.69 million in Q2 2026 supports growth potential
  • Expansion in digital banking services aligns with market trends
Financial Highlights
  • Net income of -$11.73 million for Q2 2026 reflects current challenges
  • Gross profit margin of -33.04% in Q2 2026 highlights operational hurdles
  • Cash and cash equivalents of $42.59 million provide liquidity
SouthPoint Bancshares, Inc. has established itself as a key player in the regional banking sector, offering a diverse array of financial products tailored to meet the needs of its customers. The bank's focus on both traditional banking services and modern digital solutions positions it well for future growth. Despite facing challenges reflected in recent financial results, the company maintains a solid liquidity position, which may support its operational strategies moving forward. Investors may find the bank's commitment to enhancing its service offerings and adapting to market demands noteworthy as they consider potential opportunities within the financial services sector.
AI Generated • Aug 4, 2026

Industry

Banks

Sector

Financials

CEO

J. Stephen Smith

Website

southpoint.bank

Headquarters

Birmingham, AL 35243, US

SOUB Financials

Key Financial Metrics (TTM)

Gross Margin

18.66%

Operating Margin

-53.35%

Net Income Margin

-40.61%

Return on Equity

-33.85%

Return on Capital

-11.33%

Return on Assets

-2.10%

Earnings Yield

N/A

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$30.13MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

2.90M

Volume

75

Avg. Volume

1.90K

Financials (TTM)

Gross Profit

$13.07M

Operating Income

-$37.36M

EBITDA

-$37.36M

Operating Cash Flow

$29.19M

Capital Expenditure

-$2.99M

Free Cash Flow

$26.20M

Cash & ST Invst.

$42.59M

Total Debt

$33.88M

SouthPoint Bancshares Performance Analysis

SouthPoint Bancshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 61,347,00044.0%
20232023-12-31USD 99,636,67462.4%
20242024-12-31USD 124,369,46724.8%
20252025-12-31USD 114,343,785-8.1%
SouthPoint Bancshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-100.0%
Q42025-12-31770654.4%
Q12026-03-31-10.6%
Q22026-06-30-4.4%
SouthPoint Bancshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 4.3914.0%
20232023-12-31USD 5.3922.9%
20242024-12-31USD -3.22N/A
20252025-12-31USD -3.529.1%
SouthPoint Bancshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-80.9%
Q42025-12-31-100.0%
Q12026-03-31N/A
Q22026-06-30-818.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$21.77M

-30.7%

Gross Profit

-$7.19M

-159.1%

Gross Margin

-33.04%

N/A

Market Cap

$30.13MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$5.59K

N/A

Employees

5,389

N/A

Net Income

-$11.73M

-479.2%

EBITDA

-$15.87M

-697.4%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$42.59M

+16.7%

Total Debt

$33.88M

+0.6%

Accounts Receivable

$3.48M

N/A

Inventory

$0.00

N/A

Long Term Debt

$33.88M

+0.6%

Short Term Debt

$0.00

N/A

Return on Assets

-2.10%

N/A

Return on Invested Capital

-2.75%

N/A

Free Cash Flow

$26.20M

N/A

Operating Cash Flow

$29.19M

N/A

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Questions About SOUB

What is the current price of SouthPoint Bancshares?

SouthPoint Bancshares is trading at $10.38 per share.

What is the 52-week range for SouthPoint Bancshares?

Over the past 52 weeks, SouthPoint Bancshares has traded between $10.10 and $21.80.

How much debt does SouthPoint Bancshares have?

As of the most recent reporting period, SouthPoint Bancshares reported total debt of $33.88M.

How much cash does SouthPoint Bancshares have on hand?

SouthPoint Bancshares does not have cash on hand data available.

What is SouthPoint Bancshares’s dividend yield?

SouthPoint Bancshares does not currently have a dividend yield.

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