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South Atlantic Bancshares, Inc. (SABK)

USD25.75 +0.15 (+0.59%)
US OTC Financial Services Banks - Regional
Address 29th Avenue North 29577
Myrtle Beach, SC, US
CEO K. Wayne Wicker
IPO 2018-02-07
ISIN US83636T1043

Explore sections of this company profile

Description

South Atlantic Bancshares, Inc. operates as the bank holding company for South Atlantic Bank that provides various banking products and services to individuals and small businesses in the United States. The company offers checking, money market, and savings accounts, as well as certificates of deposit, individual retirement accounts, and health savings accounts. It also provides personal, auto, and recreation loans, as well as home equity and ready reserve overdraft line of credits, and commercial lending products; and credit cards. In addition, the company provides cash management and merchant card services; remote deposit capture and automated clearing house services; online, mobile, and telephone banking services; personal and business checks; mortgage products and services; and wealth management services. The company operates offices in Myrtle Beach, Carolina Forest, North Myrtle Beach, Murrells Inlet, Pawleys Island, Georgetown, Mount Pleasant, Charleston, Bluffton, Hilton Head Island, and Beaufort, South Carolina. Atlantic Bancshares, Inc. was founded in 2007 and is headquartered in Myrtle Beach, South Carolina.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD25.75 +0.15 (+0.59%)
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Volume Profile
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Liquidity & share structure
Average Volume
1.9K
Beta
0.13
Float Shares
7.39M
Free Float %
97.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+5.34% +12.97% +9.00% +13.26% +36.75% +31.90% +71.83% +133.63% +74.25% +166.63% +149.28%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (2 ratings, all time) Buy
Price Targets & DCF
Current price
25.75
DCF (Unlevered) 36.91 +43.4%
DCF (Levered) 77.86 +202.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 1 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.26
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    +9.6% Q1'26: +5.0% (vs Q1'25)
  • EPS growth
    +60.3% Q1'26: +34.9% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +22.0% (vs Q1'25)
  • ROIC
    Q1'26: +7.4% (vs Q1'25)
  • Share dilution
    +0.4% Q1'26: +1.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 7.87× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.10) × ERP
WACC = 49% × Ke + 51% × Kd (19.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 36.91 Current price: 25.75
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Revenue
47.83M
est: 44.20M (+8.2%)
53.77M
est: 50.91M (+5.6%)
74.14M
est: 45.84M (+61.7%)
93.28M
est: 50.60M (+84.3%)
102.25M
est: 55.93M (+82.8%)
67.10M
67.10M – 67.10M
+20.0% YoY
71.50M
71.50M – 71.50M
+6.6% YoY
EBITDA
15.06M
est: 10.57M (+42.5%)
16.23M
est: 12.18M (+33.3%)
15.06M
est: 10.61M (+41.9%)
12.98M
est: 11.72M (+10.8%)
20.31M
est: 12.95M (+56.8%)
15.54M
15.54M – 15.54M
+20.0% YoY
16.56M
16.56M – 16.56M
+6.6% YoY
EBIT
13.58M
est: 9.62M (+41.2%)
15.08M
est: 11.08M (+36.2%)
12.75M
est: 9.85M (+29.5%)
12.98M
est: 10.87M (+19.4%)
20.31M
est: 12.02M (+69.0%)
14.42M
14.42M – 14.42M
+20.0% YoY
15.36M
15.36M – 15.36M
+6.6% YoY
Net Income
10.85M
est: 8.93M (+21.5%)
12.09M
est: 11.95M (+1.2%)
10.02M
est: 8.80M (+13.8%)
10.06M
est: 9.88M (+1.8%)
16.17M
est: 15.68M (+3.1%)
18.38M
18.38M – 18.38M
+17.2% YoY
19.53M
19.53M – 19.53M
+6.3% YoY
SGA
21.05M
est: 16.98M (+23.9%)
22.22M
est: 19.56M (+13.6%)
22.01M
est: 15.93M (+38.2%)
30.27M
est: 17.59M (+72.1%)
26.91M
est: 19.44M (+38.4%)
23.32M
23.32M – 23.32M
+20.0% YoY
24.85M
24.85M – 24.85M
+6.6% YoY
EPS
1.45
est: 1.17 (+24.5%)
1.60
est: 1.56 (+2.6%)
1.33
est: 1.15 (+16.1%)
1.33
est: 1.29 (+3.1%)
2.15
est: 2.04 (+5.4%)
2.39
2.39 – 2.39
+17.2% YoY
2.54
2.54 – 2.54
+6.3% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-27 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-21 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-20 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-19 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-18 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-15 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-12 B+ 3/5 5/5 4/5 3/5 2/5 3/5 2/5
2026-05-11 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-08 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-06 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-05 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-04 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-04-30 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-04-29 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-04-28 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-04-27 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-04-24 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-04-23 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-04-21 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-04-20 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-04-17 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
9.54M
OE per share TTM
1.25
Owner's Yield
4.83%
Maintenance CapEx ratio
31.82%
Maint CapEx / Avg PPE
46.2%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
119.5K
Shares Outstanding
7.57M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Adam Paskanik Senior VP & Mortgage Loan Officer male
Anne Cote Senior Vice President & Director of Loan Operations
C. Alec Elmore Executive Vice President & Chief Credit Officer male
Candace L. Cherry Senior Vice President of Corporate Liaison
Carrie S. Harris Executive Vice President & chief of Human Resources
Donald G. Kyzer Senior Vice President & Director of Corporate Services
Jennifer L. Peterson Senior Vice President & Director of Internal Audit and Compliance
K. Wayne Wicker Chairman & Chief Executive Officer male
Kenneth Pickens Executive Vice President & Credit Risk Officer male
Matthew H. Hobert Executive Vice President & Chief Financial Officer male
Melissa K. Downs-High Senior Vice President & Director of Risk Management female
Michelle A. Coletta Senior VP & Director of Retail Banking
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits