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SouthPoint Bancshares(OTC) SOUB

Current Price$14.40
Market Cap$41.79MMarket 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)-18%
5 Year-55%
1 Year-30%
1 Month-0%
SouthPoint Bancshares last closing stock price
MetricPriceDate
Last closeUSD 14.402026-07-21
SouthPoint Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.7%USD 14.302026-07-10
1 month-0.03%USD 14.412026-06-18
3 month-14.03%USD 16.752026-04-22
Year to date-0.35%USD 14.452025-12-31
1 year-29.76%USD 20.502025-07-14
3 year-49.47%USD 28.502023-07-21
5 year-55.01%USD 32.012021-07-16
Since inception-17.71%USD 17.502019-06-11

SouthPoint Bancshares Financials at a Glance

Market Cap

$41.79MMarket 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)

$48.27M

Net Income (TTM)

-$16.70M

EPS (TTM)

$0.00

P/E Ratio

0.00

Dividend

$0.00

Beta (Volatility)

-0.00 (Low)

Price

$14.40

Volume

100

Open

$14.40

Previous Close

$14.40

Daily Range

$14.40 - $14.40

52-Week Range

$12.91 - $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. The company operates through its subsidiary, SouthPoint Bank, focusing on serving the financial needs of individuals and businesses 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 $22.8 million indicates potential for growth
  • Strong interest income of $20.5 million supports financial stability
  • Expansion in digital banking services aligns with market trends
Financial Highlights
  • Net income for Q1 2026 was reported at -$1.27 million
  • Gross profit margin for the last twelve months stands at 42%
  • Current market capitalization is approximately $42.2 million
SouthPoint Bancshares, Inc. has established itself as a key player in the regional banking sector, focusing on customer-centric services. The bank's diverse product offerings cater to both individual and business clients, enhancing its competitive edge. Recent financial data shows a revenue of $22.8 million for the first quarter of 2026, reflecting the bank's ability to generate income despite challenges. The interest income of $20.5 million further underscores the bank's operational strength. The growth outlook appears promising, with a focus on expanding digital banking services, which aligns with current market trends. The bank's gross profit margin of 42% indicates effective cost management and operational efficiency. With a market capitalization of approximately $42.2 million, SouthPoint Bancshares, Inc. presents an intriguing opportunity for potential investors looking to explore the regional banking landscape.
AI Generated • Jul 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

42.00%

Operating Margin

-44.49%

Net Income Margin

-34.59%

Return on Equity

-18.72%

Return on Capital

-11.33%

Return on Assets

-1.16%

Earnings Yield

N/A

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$41.79MMarket 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

953.742

Financials (TTM)

Gross Profit

$20.27M

Operating Income

-$21.48M

EBITDA

-$21.49M

Operating Cash Flow

$29.19M

Capital Expenditure

-$2.99M

Free Cash Flow

$26.20M

Cash & ST Invst.

$38.51M

Total Debt

$33.84M

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
Q22025-06-30N/A
Q32025-09-30-72.7%
Q42025-12-31770654.4%
Q12026-03-31-10.6%
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
Q22025-06-30N/A
Q32025-09-30-80.9%
Q42025-12-31-100.0%
Q12026-03-31N/A

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$22.78M

+187774.3%

Gross Profit

$6.39M

+52601.5%

Gross Margin

28.05%

N/A

Market Cap

$41.79MMarket 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

$7.75K

N/A

Employees

5,389

N/A

Net Income

-$1.27M

-55452.5%

EBITDA

-$1.69M

N/A

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$38.51M

-70.6%

Total Debt

$33.84M

+0.6%

Accounts Receivable

$4.59M

-43.0%

Inventory

$0.00

N/A

Long Term Debt

$33.84M

+0.6%

Short Term Debt

$0.00

N/A

Return on Assets

-1.16%

N/A

Return on Invested Capital

-1.49%

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 $14.40 per share.

What is the 52-week range for SouthPoint Bancshares?

Over the past 52 weeks, SouthPoint Bancshares has traded between $12.91 and $21.80.

How much debt does SouthPoint Bancshares have?

As of the most recent reporting period, SouthPoint Bancshares reported total debt of $33.84M.

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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