Southern BancShares (N.C.), Inc. PFD CV B (SBNCM)

Southern BancShares (N.C.), Inc. PFD CV B (SBNCM) — VMCI valuation read

The headline on Southern BancShares (N.C.), Inc. PFD CV B (SBNCM) is a 63/100 VMCI score, set against a Financial Services sector median of 50. That 13-point above-median read reflects the five-pillar weighting and, for a mid-cap name, suggests a relative-value tailwind is in the data.

SBNCM insider activity report: 0 buys, 0 sells filed via Form 4 over the past 30 days. The next datable items are the 10-Q schedule and any 8-K-triggering events; both feed the VMCI Integrity pillar more than the price tape.

**Investor frame.** SBNCM trades at 19.0x earnings, 6% above the Financial Services median of 18.0x sets the value side. ROIC of 15.0% sits 5.0pp above the Financial Services median (10.0%) sets the quality side. Net debt to EBITDA of 1.1x leaves covenant headroom sets the risk side, the three lines a value buyer reads first on SBNCM.

SBNCM rose 2.9% over the trailing 7 days, with a -19.2% read on a 30-day basis.