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Southern Banc Company Inc
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Let's analyse Southern Banc Company Inc together

PenkeI guess you are interested in Southern Banc Company Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Southern Banc Company Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Southern Banc Company Inc (30 sec.)










What can you expect buying and holding a share of Southern Banc Company Inc? (30 sec.)

How much money do you get?

How much money do you get?
$0.21
When do you have the money?
1 year
How often do you get paid?
10.0%

What is your share worth?

Current worth
$15.89
Expected worth in 1 year
$-515.81
How sure are you?
40.0%

+ What do you gain per year?

Total Gains per Share
$-531.48
Return On Investment
-4,321.0%

For what price can you sell your share?

Current Price per Share
$12.30
Expected price per share
$12.30 - $12.30
How sure are you?
50%

1. Valuation of Southern Banc Company Inc (5 min.)




Live pricePrice per Share (EOD)

$12.30

Intrinsic Value Per Share

$16.08 - $51.88

Total Value Per Share

$31.96 - $67.77

2. Growth of Southern Banc Company Inc (5 min.)




Is Southern Banc Company Inc growing?

Current yearPrevious yearGrowGrow %
How rich?$12.1m$113.2m-$101.1m-834.5%

How much money is Southern Banc Company Inc making?

Current yearPrevious yearGrowGrow %
Making money$2.4m$1.7m$737.5k29.8%
Net Profit Margin28.0%24.5%--

How much money comes from the company's main activities?

3. Financial Health of Southern Banc Company Inc (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Southern Banc Company Inc? (5 min.)

Welcome investor! Southern Banc Company Inc's management wants to use your money to grow the business. In return you get a share of Southern Banc Company Inc.

What can you expect buying and holding a share of Southern Banc Company Inc?

First you should know what it really means to hold a share of Southern Banc Company Inc. And how you can make/lose money.

Speculation

The Price per Share of Southern Banc Company Inc is $12.30. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Southern Banc Company Inc.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Southern Banc Company Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $15.89. Based on the TTM, the Book Value Change Per Share is $-132.92 per quarter. Based on the YOY, the Book Value Change Per Share is $132.45 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.05 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Southern Banc Company Inc.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps3.2526.4%3.2526.4%2.2818.5%1.4311.7%0.282.3%
Usd Book Value Change Per Share-132.92-1,080.7%-132.92-1,080.7%132.451,076.8%0.383.1%-0.32-2.6%
Usd Dividend Per Share0.050.4%0.050.4%0.000.0%0.010.1%0.010.0%
Usd Total Gains Per Share-132.87-1,080.2%-132.87-1,080.2%132.451,076.8%0.393.2%-0.32-2.6%
Usd Price Per Share12.67-12.67-10.99-7.89-8.00-
Price to Earnings Ratio3.90-3.90-4.82-7.98--2.31-
Price-to-Total Gains Ratio-0.10--0.10-0.08-12.98--1.47-
Price to Book Ratio0.80-0.80-0.07-0.37-0.42-
Price-to-Total Gains Ratio-0.10--0.10-0.08-12.98--1.47-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share12.3
Number of shares81
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.050.01
Usd Book Value Change Per Share-132.920.38
Usd Total Gains Per Share-132.870.39
Gains per Quarter (81 shares)-10,762.4831.74
Gains per Year (81 shares)-43,049.91126.95
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
117-43067-430603124117
234-86134-861107247244
352-129201-12916010371371
469-172269-17221014494498
586-215336-21526017618625
6103-258403-25831021741752
7121-301470-30136024865879
8138-344537-344410289881006
9155-387604-3874603111121133
10172-430671-4305103412351260

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%5.05.00.050.0%18.08.02.064.3%
Book Value Change Per Share0.01.00.00.0%2.01.00.066.7%4.01.00.080.0%4.06.00.040.0%14.014.00.050.0%
Dividend per Share1.00.00.0100.0%1.00.02.033.3%1.00.04.020.0%1.00.09.010.0%15.00.013.053.6%
Total Gains per Share0.01.00.00.0%2.01.00.066.7%4.01.00.080.0%4.06.00.040.0%14.014.00.050.0%

Fundamentals of Southern Banc Company Inc

About Southern Banc Company Inc

The Southern Banc Company, Inc. operates as the holding company for The Southern Bank company that provides various banking products and services in Alabama. The company's personal banking products include checking accounts, home mortgage loans, home equity loans, auto loans, and personal loans. Its business banking products comprise business checking accounts, cash flow management, real estate lending, and equipment financing. The Southern Banc Company, Inc. was founded in 1936 and is based in Gadsden, Alabama.

Fundamental data was last updated by Penke on 2024-03-13 03:56:02.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
Liquidity Details
 Compared to previous yearCompared to industry
The company is just able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Southern Banc Company Inc.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Southern Banc Company Inc earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Southern Banc Company Inc to the Banks - Regional industry mean.
  • A Net Profit Margin of 28.0% means that $0.28 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Southern Banc Company Inc:

  • The MRQ is 28.0%. The company is making a huge profit. +2
  • The TTM is 28.0%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ28.0%TTM28.0%0.0%
TTM28.0%YOY24.5%+3.5%
TTM28.0%5Y15.0%+13.1%
5Y15.0%10Y-8.3%+23.3%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ28.0%18.4%+9.6%
TTM28.0%28.0%+0.0%
YOY24.5%25.2%-0.7%
5Y15.0%22.8%-7.8%
10Y-8.3%19.8%-28.1%
1.1.2. Return on Assets

Shows how efficient Southern Banc Company Inc is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Southern Banc Company Inc to the Banks - Regional industry mean.
  • 2.3% Return on Assets means that Southern Banc Company Inc generated $0.02 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Southern Banc Company Inc:

  • The MRQ is 2.3%. Using its assets, the company is less efficient in making profit.
  • The TTM is 2.3%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ2.3%TTM2.3%0.0%
TTM2.3%YOY1.5%+0.8%
TTM2.3%5Y1.0%+1.3%
5Y1.0%10Y0.1%+0.8%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ2.3%0.1%+2.2%
TTM2.3%0.2%+2.1%
YOY1.5%0.2%+1.3%
5Y1.0%0.2%+0.8%
10Y0.1%0.2%-0.1%
1.1.3. Return on Equity

Shows how efficient Southern Banc Company Inc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Southern Banc Company Inc to the Banks - Regional industry mean.
  • 20.4% Return on Equity means Southern Banc Company Inc generated $0.20 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Southern Banc Company Inc:

  • The MRQ is 20.4%. Using its investors money, the company is efficient in making profit. +1
  • The TTM is 20.4%. Using its investors money, the company is efficient in making profit. +1
Trends
Current periodCompared to+/- 
MRQ20.4%TTM20.4%0.0%
TTM20.4%YOY16.4%+4.0%
TTM20.4%5Y9.4%+11.0%
5Y9.4%10Y2.0%+7.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ20.4%1.4%+19.0%
TTM20.4%2.5%+17.9%
YOY16.4%2.7%+13.7%
5Y9.4%2.5%+6.9%
10Y2.0%2.8%-0.8%

1.2. Operating Efficiency of Southern Banc Company Inc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Southern Banc Company Inc is operating .

  • Measures how much profit Southern Banc Company Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Southern Banc Company Inc to the Banks - Regional industry mean.
  • An Operating Margin of 37.5% means the company generated $0.38  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Southern Banc Company Inc:

  • The MRQ is 37.5%. The company is operating very efficient. +2
  • The TTM is 37.5%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ37.5%TTM37.5%0.0%
TTM37.5%YOY33.2%+4.3%
TTM37.5%5Y14.1%+23.4%
5Y14.1%10Y7.1%+7.1%
1.2.2. Operating Ratio

Measures how efficient Southern Banc Company Inc is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of -0.62 means that the operating costs are $-0.62 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Southern Banc Company Inc:

  • The MRQ is -0.625.
  • The TTM is -0.625.
Trends
Current periodCompared to+/- 
MRQ-0.625TTM-0.6250.000
TTM-0.625YOY-0.668+0.043
TTM-0.6255Y-0.092-0.532
5Y-0.09210Y1.015-1.107

1.3. Liquidity of Southern Banc Company Inc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Southern Banc Company Inc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 1.34 means the company has $1.34 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Southern Banc Company Inc:

  • The MRQ is 1.341. The company is just able to pay all its short-term debts.
  • The TTM is 1.341. The company is just able to pay all its short-term debts.
Trends
Current periodCompared to+/- 
MRQ1.341TTM1.3410.000
TTM1.341YOY1.138+0.203
TTM1.3415Y0.818+0.524
5Y0.81810Y0.436+0.381
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM1.3410.124+1.217
YOY1.1380.225+0.913
5Y0.8180.219+0.599
10Y0.4360.131+0.305
1.3.2. Quick Ratio

Measures if Southern Banc Company Inc is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Southern Banc Company Inc to the Banks - Regional industry mean.
  • A Quick Ratio of 2.41 means the company can pay off $2.41 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Southern Banc Company Inc:

  • The MRQ is 2.411. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 2.411. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ2.411TTM2.4110.000
TTM2.411YOY2.034+0.377
TTM2.4115Y1.207+1.204
5Y1.20710Y0.613+0.594

1.4. Solvency of Southern Banc Company Inc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Southern Banc Company Inc assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Southern Banc Company Inc to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.89 means that Southern Banc Company Inc assets are financed with 88.8% credit (debt) and the remaining percentage (100% - 88.8%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Southern Banc Company Inc:

  • The MRQ is 0.888. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.888. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.888TTM0.8880.000
TTM0.888YOY0.017+0.871
TTM0.8885Y0.711+0.177
5Y0.71110Y0.788-0.077
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8880.915-0.027
TTM0.8880.917-0.029
YOY0.0170.919-0.902
5Y0.7110.919-0.208
10Y0.7880.927-0.139
1.4.2. Debt to Equity Ratio

Measures if Southern Banc Company Inc is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Southern Banc Company Inc to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 796.2% means that company has $7.96 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Southern Banc Company Inc:

  • The MRQ is 7.962. The company is unable to pay all its debts with equity. -1
  • The TTM is 7.962. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ7.962TTM7.9620.000
TTM7.962YOY0.189+7.773
TTM7.9625Y6.170+1.791
5Y6.17010Y6.345-0.174
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ7.96210.829-2.867
TTM7.96211.013-3.051
YOY0.18911.363-11.174
5Y6.17011.437-5.267
10Y6.34513.038-6.693

2. Market Valuation of Southern Banc Company Inc

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Southern Banc Company Inc generates.

  • Above 15 is considered overpriced but always compare Southern Banc Company Inc to the Banks - Regional industry mean.
  • A PE ratio of 3.90 means the investor is paying $3.90 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Southern Banc Company Inc:

  • The EOD is 3.789. Based on the earnings, the company is cheap. +2
  • The MRQ is 3.903. Based on the earnings, the company is cheap. +2
  • The TTM is 3.903. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD3.789MRQ3.903-0.114
MRQ3.903TTM3.9030.000
TTM3.903YOY4.818-0.915
TTM3.9035Y7.976-4.073
5Y7.97610Y-2.314+10.290
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD3.7897.491-3.702
MRQ3.9036.680-2.777
TTM3.9035.295-1.392
YOY4.8186.943-2.125
5Y7.9769.770-1.794
10Y-2.3149.943-12.257
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Southern Banc Company Inc:

  • The EOD is 4.849. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 4.995. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 4.995. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD4.849MRQ4.995-0.146
MRQ4.995TTM4.9950.000
TTM4.995YOY3.459+1.536
TTM4.9955Y3.077+1.918
5Y3.07710Y12.965-9.889
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD4.849-2.094+6.943
MRQ4.995-1.868+6.863
TTM4.995-0.342+5.337
YOY3.4596.448-2.989
5Y3.0770.429+2.648
10Y12.9650.091+12.874
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Southern Banc Company Inc is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.80 means the investor is paying $0.80 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Southern Banc Company Inc:

  • The EOD is 0.774. Based on the equity, the company is cheap. +2
  • The MRQ is 0.798. Based on the equity, the company is cheap. +2
  • The TTM is 0.798. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.774MRQ0.798-0.023
MRQ0.798TTM0.7980.000
TTM0.798YOY0.074+0.724
TTM0.7985Y0.369+0.429
5Y0.36910Y0.422-0.053
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.7740.433+0.341
MRQ0.7980.386+0.412
TTM0.7980.470+0.328
YOY0.0740.642-0.568
5Y0.3690.795-0.426
10Y0.4221.025-0.603
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Southern Banc Company Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---132.923-132.9230%132.449-200%0.381-34971%-0.324-100%
Book Value Per Share--15.88615.8860%148.809-89%42.510-63%29.570-46%
Current Ratio--1.3411.3410%1.138+18%0.818+64%0.436+207%
Debt To Asset Ratio--0.8880.8880%0.017+5021%0.711+25%0.788+13%
Debt To Equity Ratio--7.9627.9620%0.189+4120%6.170+29%6.345+25%
Dividend Per Share--0.0530.0530%-+100%0.011+400%0.005+900%
Eps--3.2463.2460%2.281+42%1.434+126%0.283+1049%
Free Cash Flow Per Share--2.5372.5370%3.177-20%2.672-5%1.394+82%
Free Cash Flow To Equity Per Share---8.104-8.1040%9.497-185%4.744-271%2.738-396%
Gross Profit Margin--1.0001.0000%1.0000%-2.799+380%-0.900+190%
Intrinsic Value_10Y_max--51.885--------
Intrinsic Value_10Y_min--16.077--------
Intrinsic Value_1Y_max--4.197--------
Intrinsic Value_1Y_min--1.463--------
Intrinsic Value_3Y_max--13.375--------
Intrinsic Value_3Y_min--4.551--------
Intrinsic Value_5Y_max--23.473--------
Intrinsic Value_5Y_min--7.783--------
Market Cap9363461.100-3%9668020.8809668020.8800%8366214.430+16%6018049.854+61%6173465.827+57%
Net Profit Margin--0.2800.2800%0.245+14%0.150+87%-0.083+130%
Operating Margin--0.3750.3750%0.332+13%0.141+165%0.071+431%
Operating Ratio---0.625-0.6250%-0.668+7%-0.092-85%1.015-162%
Pb Ratio0.774-3%0.7980.7980%0.074+980%0.369+116%0.422+89%
Pe Ratio3.789-3%3.9033.9030%4.818-19%7.976-51%-2.314+159%
Price Per Share12.300-3%12.67012.6700%10.990+15%7.894+61%8.002+58%
Price To Free Cash Flow Ratio4.849-3%4.9954.9950%3.459+44%3.077+62%12.965-61%
Price To Total Gains Ratio-0.093+3%-0.095-0.0950%0.083-215%12.978-101%-1.471+1443%
Quick Ratio--2.4112.4110%2.034+19%1.207+100%0.613+293%
Return On Assets--0.0230.0230%0.015+51%0.010+128%0.001+1432%
Return On Equity--0.2040.2040%0.164+25%0.094+117%0.020+907%
Total Gains Per Share---132.870-132.8700%132.449-200%0.392-34010%-0.318-100%
Usd Book Value--12121786.00012121786.0000%113281863.000-89%32393240.400-63%22685743.500-47%
Usd Book Value Change Per Share---132.923-132.9230%132.449-200%0.381-34971%-0.324-100%
Usd Book Value Per Share--15.88615.8860%148.809-89%42.510-63%29.570-46%
Usd Dividend Per Share--0.0530.0530%-+100%0.011+400%0.005+900%
Usd Eps--3.2463.2460%2.281+42%1.434+126%0.283+1049%
Usd Free Cash Flow--1935579.0001935579.0000%2418607.000-20%2036404.200-5%1063194.900+82%
Usd Free Cash Flow Per Share--2.5372.5370%3.177-20%2.672-5%1.394+82%
Usd Free Cash Flow To Equity Per Share---8.104-8.1040%9.497-185%4.744-271%2.738-396%
Usd Market Cap9363461.100-3%9668020.8809668020.8800%8366214.430+16%6018049.854+61%6173465.827+57%
Usd Price Per Share12.300-3%12.67012.6700%10.990+15%7.894+61%8.002+58%
Usd Profit--2474004.0002474004.0000%1736423.000+42%1093379.400+126%207583.200+1092%
Usd Revenue--8828171.0008828171.0000%7086673.000+25%6578332.400+34%4718825.200+87%
Usd Total Gains Per Share---132.870-132.8700%132.449-200%0.392-34010%-0.318-100%
 EOD+5 -3MRQTTM+0 -0YOY+16 -195Y+18 -1810Y+22 -14

3.2. Fundamental Score

Let's check the fundamental score of Southern Banc Company Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-153.789
Price to Book Ratio (EOD)Between0-10.774
Net Profit Margin (MRQ)Greater than00.280
Operating Margin (MRQ)Greater than00.375
Quick Ratio (MRQ)Greater than12.411
Current Ratio (MRQ)Greater than11.341
Debt to Asset Ratio (MRQ)Less than10.888
Debt to Equity Ratio (MRQ)Less than17.962
Return on Equity (MRQ)Greater than0.150.204
Return on Assets (MRQ)Greater than0.050.023
Total8/10 (80.0%)

3.3. Technical Score

Let's check the technical score of Southern Banc Company Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5040.013
Ma 20Greater thanMa 5012.300
Ma 50Greater thanMa 10012.300
Ma 100Greater thanMa 20012.554
OpenGreater thanClose12.300
Total0/5 (0.0%)



Latest Balance Sheet

Balance Sheet of 2023-06-30. Currency in USD. All numbers in thousands.

Summary
Total Assets108,631
Total Liabilities96,509
Total Stockholder Equity12,122
 As reported
Total Liabilities 96,509
Total Stockholder Equity+ 12,122
Total Assets = 108,631

Assets

Total Assets108,631
Total Current Assets50,687
Long-term Assets41,282
Total Current Assets
Cash And Cash Equivalents 8,645
Short-term Investments 40,425
Net Receivables 1,618
Inventory -9,527
Other Current Assets 9,527
Total Current Assets  (as reported)50,687
Total Current Assets  (calculated)50,687
+/-0
Long-term Assets
Property Plant Equipment 858
Long Term Investments 40,425
Other Assets 16,661
Long-term Assets  (as reported)41,282
Long-term Assets  (calculated)57,944
+/- 16,661

Liabilities & Shareholders' Equity

Total Current Liabilities37,789
Long-term Liabilities58,720
Total Stockholder Equity12,122
Total Current Liabilities
Other Current Liabilities 37,789
Total Current Liabilities  (as reported)37,789
Total Current Liabilities  (calculated)37,789
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)58,720
Long-term Liabilities  (calculated)0
+/- 58,720
Total Stockholder Equity
Common Stock15
Retained Earnings 12,280
Accumulated Other Comprehensive Income -4,534
Other Stockholders Equity 4,361
Total Stockholder Equity (as reported)12,122
Total Stockholder Equity (calculated)12,122
+/-0
Other
Capital Stock15
Cash and Short Term Investments 49,069
Common Stock Shares Outstanding 763
Liabilities and Stockholders Equity 108,631
Net Debt -3,846
Net Tangible Assets 11,658
Net Working Capital 12,898
Property Plant and Equipment Gross 2,490
Short Long Term Debt Total 4,799



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2023-06-302022-06-302021-06-302020-06-302019-06-302018-06-302017-06-302016-06-302015-06-302014-06-302013-06-302012-06-302011-06-302010-06-302009-06-302008-06-302007-06-302006-06-302005-06-302004-06-302003-06-302002-06-302001-06-302000-06-301999-06-301998-06-301997-06-301996-06-30
> Total Assets 
107,000
105,400
105,100
96,900
98,087
97,290
110,002
111,701
106,353
104,811
102,649
99,133
102,889
98,808
87,470
95,437
111,344
95,605
94,337
97,165
97,887
96,542
95,846
97,705
103,302
112,425
115,282
108,631
108,631115,282112,425103,30297,70595,84696,54297,88797,16594,33795,605111,34495,43787,47098,808102,88999,133102,649104,811106,353111,701110,00297,29098,08796,900105,100105,400107,000
   > Total Current Assets 
5,400
6,500
7,100
9,300
6,423
4,955
8,115
9,876
6,174
4,547
6,240
5,680
4,852
9,420
0
0
0
0
4,074
8,670
1,710
3,126
4,415
17,889
25,990
11,692
57,623
50,687
50,68757,62311,69225,99017,8894,4153,1261,7108,6704,07400009,4204,8525,6806,2404,5476,1749,8768,1154,9556,4239,3007,1006,5005,400
       Cash And Cash Equivalents 
4,500
5,800
6,400
8,700
5,746
4,355
7,529
9,393
5,734
4,107
5,731
5,142
4,344
8,971
3,513
3,099
2,640
2,745
2,561
8,396
1,463
2,910
4,208
17,696
25,766
11,417
9,899
8,645
8,6459,89911,41725,76617,6964,2082,9101,4638,3962,5612,7452,6403,0993,5138,9714,3445,1425,7314,1075,7349,3937,5294,3555,7468,7006,4005,8004,500
       Short-term Investments 
0
0
0
0
4,248
2,589
2,534
5,341
2,565
1,742
0
2,747
830
6,119
2,548
1,402
1,050
1,305
1,223
5,254
537
450
0
0
0
0
45,345
40,425
40,42545,34500004505375,2541,2231,3051,0501,4022,5486,1198302,74701,7422,5655,3412,5342,5894,2480000
       Net Receivables 
900
700
700
600
677
600
586
483
440
441
509
538
508
449
0
0
0
0
0
0
0
0
0
0
0
0
2,378
1,618
1,6182,378000000000000449508538509441440483586600677600700700900
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
291
274
247
216
207
17,889
25,990
11,692
10,336
9,527
9,52710,33611,69225,99017,889207216247274291000000000000000000
   > Long-term Assets 
66,600
62,100
56,600
45,400
51,468
54,339
65,810
61,444
61,397
63,672
61,250
59,881
61,362
53,550
0
0
0
0
0
0
0
0
0
79,816
77,312
100,732
46,123
41,282
41,28246,123100,73277,31279,81600000000053,55061,36259,88161,25063,67261,39761,44465,81054,33951,46845,40056,60062,10066,600
       Property Plant Equipment 
300
300
300
300
473
466
530
507
486
609
1,046
988
947
908
874
879
812
811
828
847
811
754
715
783
736
727
778
858
8587787277367837157548118478288118128798749089479881,046609486507530466473300300300300
       Long Term Investments 
0
0
0
0
0
0
0
0
99,180
99,103
94,471
0
0
0
0
0
0
0
53,937
42,835
36,491
29,114
20,028
18,743
0
0
45,345
40,425
40,42545,3450018,74320,02829,11436,49142,83553,937000000094,47199,10399,18000000000
       Other Assets 
35,000
36,800
41,400
42,200
40,195
37,997
36,076
40,381
38,783
36,592
35,159
33,572
36,675
35,838
705
813
1,118
2,020
885
44,814
58,875
63,547
70,689
0
0
55,255
11,536
16,661
16,66111,53655,2550070,68963,54758,87544,8148852,0201,11881370535,83836,67533,57235,15936,59238,78340,38136,07637,99740,19542,20041,40036,80035,000
> Total Liabilities 
100
0
0
0
81,767
80,244
9,583
92,835
6,917
88,108
5,250
1,417
3,075
3,075
71,304
79,574
95,087
80,683
79,633
82,933
84,688
84,694
84,937
85,945
90,954
99,970
2,000
96,509
96,5092,00099,97090,95485,94584,93784,69484,68882,93379,63380,68395,08779,57471,3043,0753,0751,4175,25088,1086,91792,8359,58380,24481,767000100
   > Total Current Liabilities 
100
0
0
0
0
0
9,583
1,000
0
2,833
0
0
0
0
0
0
0
0
74,064
79,435
83,961
84,383
81,015
28,959
35,573
44,960
50,617
37,789
37,78950,61744,96035,57328,95981,01584,38383,96179,43574,064000000002,83301,0009,58300000100
       Short-term Debt 
0
0
0
0
0
0
9,583
1,000
6,917
2,833
5,250
0
0
0
0
0
0
0
7,156
4,156
5,000
5,000
6,000
0
0
430
2,000
0
02,000430006,0005,0005,0004,1567,15600000005,2502,8336,9171,0009,583000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
6,917
6,083
5,250
0
0
0
0
0
0
0
7,156
4,156
5,000
5,000
6,000
0
0
0
0
0
000006,0005,0005,0004,1567,15600000005,2506,0836,91700000000
       Accounts payable 
100
0
0
0
81,436
79,843
81,558
84,357
82,005
81,736
82,169
82,583
84,386
79,702
69,408
70,313
76,769
73,158
72,065
75,279
78,771
79,383
77,015
82,342
88,766
93,839
97,112
0
097,11293,83988,76682,34277,01579,38378,77175,27972,06573,15876,76970,31369,40879,70284,38682,58382,16981,73682,00584,35781,55879,84381,436000100
       Other Current Liabilities 
-100
0
0
0
0
0
-9,583
-1,000
82,005
-2,833
82,170
0
0
0
0
0
0
0
0
0
0
0
0
28,959
35,573
44,530
48,617
37,789
37,78948,61744,53035,57328,95900000000000082,170-2,83382,005-1,000-9,58300000-100
   > Long-term Liabilities 
0
0
0
0
0
0
0
6,750
6,917
3,250
5,250
1,417
3,075
3,075
0
0
0
0
0
0
0
0
0
56,985
55,381
55,010
2,000
58,720
58,7202,00055,01055,38156,9850000000003,0753,0751,4175,2503,2506,9176,7500000000
       Other Liabilities 
0
0
0
0
331
401
517
728
179
289
290
256
284
505
821
635
692
212
412
498
727
311
1,922
1,603
2,188
5,701
5,569
0
05,5695,7012,1881,6031,9223117274984122126926358215052842562902891797285174013310000
> Total Stockholder Equity
20,100
17,900
18,600
16,600
16,319
17,046
18,344
18,866
17,253
16,703
14,940
14,877
15,144
15,526
16,166
15,863
16,257
14,922
14,704
14,232
13,199
11,847
10,909
11,760
12,348
12,454
10,601
12,122
12,12210,60112,45412,34811,76010,90911,84713,19914,23214,70414,92216,25715,86316,16615,52615,14414,87714,94016,70317,25318,86618,34417,04616,31916,60018,60017,90020,100
   Common Stock
0
0
0
0
15
15
15
15
15
15
15
15
15
15
15
15
15
15
15
15
15
15
15
15
15
15
15
15
1515151515151515151515151515151515151515151515150000
   Retained Earnings 
9,700
9,300
9,400
9,700
10,035
10,186
10,498
11,082
11,341
11,697
11,653
11,218
10,812
10,522
11,660
11,357
11,751
10,416
10,268
9,525
8,166
7,374
6,813
7,278
7,592
8,070
9,806
12,280
12,2809,8068,0707,5927,2786,8137,3748,1669,52510,26810,41611,75111,35711,66010,52210,81211,21811,65311,69711,34111,08210,49810,18610,0359,7009,4009,3009,700
   Accumulated Other Comprehensive Income 
-100
-100
0
-200
-1,851
-1,263
565
133
-666
-1,083
-1,950
-958
-173
499
0
0
0
0
0
0
0
0
0
113
414
35
-3,533
-4,534
-4,534-3,53335414113000000000499-173-958-1,950-1,083-666133565-1,263-1,851-2000-100-100
   Capital Surplus 0000000000000000000000000000
   Treasury Stock00000-9,531-9,531-9,465-9,465-9,465-9,396-9,396-9,396-9,396-9,396-9,396-9,396-9,376-8,792-7,842-7,035-6,495-6,495-6,4700000
   Other Stockholders Equity 
10,500
8,700
9,200
7,100
8,121
8,108
7,267
7,636
6,564
6,075
5,222
4,602
4,491
4,491
0
0
0
0
-307
-369
-44
-602
-980
4,355
4,327
4,336
4,313
4,361
4,3614,3134,3364,3274,355-980-602-44-369-30700004,4914,4914,6025,2226,0756,5647,6367,2678,1088,1217,1009,2008,70010,500



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-06-30)

Gross Profit (+$)
totalRevenue8,828
Cost of Revenue-0
Gross Profit8,8288,828
 
Operating Income (+$)
Gross Profit8,828
Operating Expense--5,515
Operating Income3,31314,343
 
Operating Expense (+$)
Research Development0
Selling General Administrative3,287
Selling And Marketing Expenses0
Operating Expense-5,5153,287
 
Net Interest Income (+$)
Interest Income9,216
Interest Expense-926
Other Finance Cost-0
Net Interest Income8,291
 
Pretax Income (+$)
Operating Income3,313
Net Interest Income8,291
Other Non-Operating Income Expenses0
Income Before Tax (EBT)3,3130
EBIT - interestExpense = 2,387
3,313
3,400
Interest Expense926
Earnings Before Interest and Taxes (EBIT)3,3134,239
Earnings Before Interest and Taxes (EBITDA)3,397
 
After tax Income (+$)
Income Before Tax3,313
Tax Provision-839
Net Income From Continuing Ops2,4742,474
Net Income2,474
Net Income Applicable To Common Shares2,477
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses-5,515
Total Other Income/Expenses Net3,313-8,291
 

Technical Analysis of Southern Banc Company Inc
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Southern Banc Company Inc. The general trend of Southern Banc Company Inc is BEARISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Southern Banc Company Inc's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-100.0%) Bearish trend (100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Southern Banc Company Inc.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: 12.30 < 12.30 < 12.30.

The bearish price targets are: 12.30 > 12.30 > 12.30.

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Southern Banc Company Inc Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Southern Banc Company Inc. The current mas is .

The long score for the Moving Averages is 0/14.
The longshort score for the Moving Averages is -14/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Southern Banc Company Inc Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Southern Banc Company Inc. The current macd is -0.00326636.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Southern Banc Company Inc price going up in the near term. +2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Southern Banc Company Inc. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Southern Banc Company Inc price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Southern Banc Company Inc Daily Moving Average Convergence/Divergence (MACD) ChartSouthern Banc Company Inc Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Southern Banc Company Inc. The current adx is 57.51.

The long score for the Directional Movement Index (DMI) is 4/7.
The longshort score for the Directional Movement Index (DMI) is 4/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Southern Banc Company Inc shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending up: The ADX is above 25 and indicates a strong bullish trend. The ADX is trending up, so the bullish trend is strengthening.
Southern Banc Company Inc Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Southern Banc Company Inc. The current sar is 12.51.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Southern Banc Company Inc Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Southern Banc Company Inc. The current rsi is 40.01. The current phase is Continuation in bear market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -3/(-13 +13).

  • Continuation in bear market: Downtrend continues after a consolidation or pullback. Hold or add to short positions.
Southern Banc Company Inc Daily Relative Strength Index (RSI) ChartSouthern Banc Company Inc Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Southern Banc Company Inc. The current phase is Oversold in bear market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -6/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Southern Banc Company Inc price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Southern Banc Company Inc Daily Stochastic Oscillator ChartSouthern Banc Company Inc Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Southern Banc Company Inc. The current cci is -66.66666667.

Southern Banc Company Inc Daily Commodity Channel Index (CCI) ChartSouthern Banc Company Inc Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Southern Banc Company Inc. The current cmo is -8.08002176.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
Southern Banc Company Inc Daily Chande Momentum Oscillator (CMO) ChartSouthern Banc Company Inc Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Southern Banc Company Inc. The current willr is 0.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Southern Banc Company Inc Daily Williams %R ChartSouthern Banc Company Inc Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Southern Banc Company Inc.

Southern Banc Company Inc Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Southern Banc Company Inc. The current atr is 0.00540566.

Southern Banc Company Inc Daily Average True Range (ATR) ChartSouthern Banc Company Inc Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Southern Banc Company Inc. The current obv is -12,400.

Southern Banc Company Inc Daily On-Balance Volume (OBV) ChartSouthern Banc Company Inc Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Southern Banc Company Inc. The current mfi is 0.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -2/(-2 +2).

  • MFI < 50: -1
  • MFI < 20: -1
Southern Banc Company Inc Daily Money Flow Index (MFI) ChartSouthern Banc Company Inc Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Southern Banc Company Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-08WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-14DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
RSI LONG ENTRY SHORT CLOSE30 crossover to upside
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-11-16STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-29DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2023-11-30MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2023-12-06STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-07STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-14ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-15CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2023-12-21CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-09MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
RSI LONG ENTRY SHORT CLOSE30 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-11DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-12MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-01-26SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-01-29WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-01-30MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-31WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-02-20CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-02-21DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-03-01SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-03-12WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside

6.3. Candlestick Patterns

Southern Banc Company Inc Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Southern Banc Company Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5040.013
Ma 20Greater thanMa 5012.300
Ma 50Greater thanMa 10012.300
Ma 100Greater thanMa 20012.554
OpenGreater thanClose12.300
Total0/5 (0.0%)
Penke

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