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: $17.30 to $17.30
• 50-Day Range: $15.93 to $17.49
• 52-Week Range: $13.75 to $20.10
• Volume: 10,000 shs
• Average Volume: 3,223 shs
• Market Capitalization: $129.78 million
• P/E Ratio: 10.42
• Dividend Yield: 0.58%
• Price Target: $19.00
• Consensus Rating: Buy

South Atlantic Bancshares Stock Analysis - MarketRank™

South Atlantic Bancshares scored higher than 63% 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: 2.3 / 5
• Analyst Rating: Buy

Consensus Rating

South Atlantic Bancshares has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 buy rating, no hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for South Atlantic Bancshares is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

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

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 19.26%

Earnings Growth

Earnings for South Atlantic Bancshares are expected to grow by 19.26% in the coming year, from $1.35 to $1.61 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of South Atlantic Bancshares is 10.42, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 279.69.

Price to Earnings Ratio vs. Sector

The P/E ratio of South Atlantic Bancshares is 10.42, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 231.78.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.01% of the outstanding shares of South Atlantic Bancshares have been sold short.

Short Interest Ratio / Days to Cover

South Atlantic Bancshares has a short interest ratio ("days to cover") of 0.1, 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 decreased by 42.86%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

South Atlantic Bancshares has a dividend yield of 0.58%, 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 6.02%. 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 6.21% next year. This indicates that South Atlantic Bancshares will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.01% of the outstanding shares of South Atlantic Bancshares have been sold short.

Short Interest Ratio / Days to Cover

South Atlantic Bancshares has a short interest ratio ("days to cover") of 0.1, 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 decreased by 42.86%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 1.6 / 5
• News Sentiment: N/A

News Sentiment

South Atlantic Bancshares has a news sentiment score of 0.95. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 1.10 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for South Atlantic Bancshares this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.0 / 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

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

SABK Stock Analysis - Frequently Asked Questions

How have SABK shares performed this year?

South Atlantic Bancshares' stock was trading at $15.94 at the start of the year. Since then, SABK shares have increased by 8.5% and is now trading at $17.30.

How were South Atlantic Bancshares' earnings last quarter?

South Atlantic Bancshares, Inc. (OTCMKTS:SABK) posted its quarterly earnings data on Thursday, July, 24th. The company reported $0.48 earnings per share for the quarter, topping analysts' consensus estimates of $0.45 by $0.03. The company had revenue of $15.13 million for the quarter, compared to analyst estimates of $13.92 million.

How do I buy shares of South Atlantic Bancshares?

Shares of SABK stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of South Atlantic Bancshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that South Atlantic Bancshares investors own include Arista Networks (ANET), Broadcom (AVGO), NVIDIA (NVDA), Adobe (ADBE), ServiceNow (NOW), Celestica (CLS) and GE Aerospace (GE).

Company Calendar

• Last Earnings: 7/24/2025
• Today: 9/10/2025
• Next Earnings (Estimated): 10/22/2025
• Fiscal Year End: 12/31/2025

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

Price Target and Rating

• Average Price Target for South Atlantic Bancshares: $19.00
• High Price Target: $19.00
• Low Price Target: $19.00
• Potential Upside/Downside: +9.8%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: 10.42
• Forward P/E Ratio: 12.81
• 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: $93.28 million
• Price / Sales: 1.39
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 7,502,000
• Free Float: N/A
• Market Cap: $129.78 million
• Optionable: Not Optionable
• Beta: 0.21