South Atlantic Bancshares, Inc.
FAIR PRICE VALUATION
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
MARKET PRICE
$23.80
FAIR PRICE
$28.20
MARGIN
$4.40
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FPI RATING
Attractive valuation, but volatile earnings pattern.
Analytical data, not an investment recommendation. Updated daily.
How we calculate this ↗MARGIN OF SAFETY
A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.
SAFETY MARGIN
20%
Below fair value
ENTRY LEVEL
$22.56
Fair price × 0.80
DISTANCE
5.2%
Price to entry level
At the current price of $23.80, SABK trades 5.2% above the conservative entry level of $22.56. This entry level represents a 20% margin of safety below the calculated fair price of $28.20 — a buffer that accounts for estimation uncertainty in the valuation model.
Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗
VALUATION HISTORY
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P/E RATIO HISTORY
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METHODOLOGY
How we calculate SABK's fair price
South Atlantic Bancshares, Inc.'s fair price of $28.20 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $23.80, SABK trades 18.5% below its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting SABK's risk profile.
RELATIVE · 30%
Comparing SABK's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.
ANALYST · 20%
Aggregated analyst price targets for SABK, weighted by recency and analyst accuracy.
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What is the fair price of SABK?+
Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for South Atlantic Bancshares, Inc. is $28.20. At the current market price of $23.80, SABK trades 18.5% below its calculated fair value.
Is SABK overvalued or undervalued?+
South Atlantic Bancshares, Inc. is currently undervalued based on our valuation model. The stock trades at $23.80, which is 18.5% below the fair price of $28.20. The P/E ratio of 10.6x is a key metric in the valuation.
What is the margin of safety for SABK?+
With a 20% margin of safety applied to the fair price of $28.20, the conservative entry level for SABK is $22.56. At the current market price of $23.80, the stock trades 5.2% above this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.
How often is SABK's fair price updated?+
We update fair price calculations for SABK daily after market close. The current fair price of $28.20 incorporates the latest market data and sector multiples.
What factors affect SABK's fair price calculation?+
SABK's fair price of $28.20 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight). Key metrics include P/E of 10.6x, ROE of 13.3%, and dividend yield of 0.42%.
Is SABK a good buy right now?+
At $23.80, SABK trades 18.5% below our fair value estimate of $28.20. The stock is currently undervalued. ROE stands at 13.3% (average). Fair Price Index provides valuation data — always do your own research before investing.
Does SABK pay dividends?+
SABK has a dividend yield of 0.42%.
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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.