SouthPoint Bancshares logo

SouthPoint Bancshares(OTC) SOUB

Market Cap$31.84MMarket 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)-37%
5 Year-66%
1 Year-48%
1 Month-5%
$10.97
+0.00%
+0.00Today
SouthPoint Bancshares last closing stock price
MetricPriceDate
Last closeUSD 10.972026-10-06
SouthPoint Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.17%USD 11.102026-09-29
1 month-5.1%USD 11.562026-09-04
3 month-22.25%USD 14.112026-07-08
Year to date-24.08%USD 14.452025-12-31
1 year-48.13%USD 21.152025-10-03
3 year-62.81%USD 29.502023-09-29
5 year-65.72%USD 32.002021-10-04
Since inception-37.31%USD 17.502019-06-11

SouthPoint Bancshares Financials at a Glance

Market Cap

$31.84MMarket 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

$10.97

Volume

100

Open

$10.97

Previous Close

$10.97

Daily Range

$10.97 - $10.97

52-Week Range

$10.00 - $21.50

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. The company operates through its subsidiary, SouthPoint Bank, focusing on serving the financial needs of customers in central Alabama.

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 strong market presence
  • Continued investment in technology enhances customer experience
  • Expansion plans in central Alabama aim to capture more market share
Financial Highlights
  • Net income for Q2 2026 was -$11.73 million, reflecting ongoing challenges
  • Trailing twelve months (TTM) revenue of $92.5 million shows potential for recovery
  • Cash and cash equivalents increased to $42.59 million, providing 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 customer needs. Despite facing challenges reflected in recent net income figures, the company has demonstrated resilience with a solid revenue base and a focus on technological advancements. The growth outlook remains positive, with strategic plans to expand operations and enhance customer service capabilities. Investors may find the company's commitment to growth and adaptation in a competitive market noteworthy.
AI Generated • Oct 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

$31.84MMarket 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

100

Avg. Volume

1.51K

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

$31.84MMarket 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

$5.91K

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 $10.97 per share.

What is the 52-week range for SouthPoint Bancshares?

Over the past 52 weeks, SouthPoint Bancshares has traded between $10.00 and $21.50.

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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