Select Bancorp, Inc. (SLCT)

Select Bancorp, Inc. (SLCT) — VMCI valuation read

SLCT screens at VMCI 55/100, a 5-point gap above the Financial Services sector median (50). For a mid-cap Select Bancorp, Inc. share, that placement says the multi-pillar composite is cheaper or higher quality than the typical peer on a like-for-like basis.

SLCT has logged no Form 4 insider activity over the trailing 30 days. The tape reads neither bullish nor bearish on insider conviction. The next signal sits with the 10-Q schedule and the analyst calendar.

**Investor frame.** Value: SLCT trades at 20.0x earnings, 11% above the Financial Services median of 18.0x, while EV/EBITDA prints 9.0x against 12.0x for the Financial Services group. Quality: ROIC of 8.0% trails the Financial Services median (10.0%) by 2.0pp, the cleanest like-for-like comparison on capital efficiency. Risk: net debt to EBITDA of 2.8x is the rate-sensitivity line to watch, which sets the rate-cycle exposure for Select Bancorp, Inc..

SLCT rose 3.5% over the trailing 7 days, with a -20.3% read on a 30-day basis.