Southcoast Financial Corp. (SOCB) Stock Analysis
DELISTED 2016
What happened to Southcoast Financial Corp. (SOCB) stock?
Southcoast Financial Corp. (SOCB) no longer trades on public markets. It was delisted in June 2016. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Southcoast Financial Corp. (SOCB) trades at $14.02. Southcoast Financial Corp. operates as a financial institution, providing banking services to individuals and businesses. The company focuses on traditional banking activities and wealth management solutions. Sector: Financial services.
Last analyzed: Mar 17, 2026Analyst Coverage for SOCB: SOCB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SOCB against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
SOCB: the 2 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →Southcoast Financial Corp. (SOCB) Financial Services Profile
Southcoast Financial Corp. (SOCB) is a financial institution providing banking and wealth management services, characterized by a high gross margin of 100.0% and a low beta of 0.17, indicating lower volatility compared to the market. The company operates with a profit margin of 25.3%.
What Is the Investment Thesis for SOCB?
Southcoast Financial Corp. presents a mixed investment case. The company's high gross margin of 100.0% and a profit margin of 25.3% indicate strong profitability. The low beta of 0.17 suggests lower volatility compared to the overall market. However, the P/E ratio of 24.52 indicates that the stock may be relatively expensive compared to its earnings. The absence of a dividend yield may deter income-seeking investors. Key value drivers include the company's ability to maintain its high margins and grow its loan portfolio. Upcoming growth catalysts may include expansion into new markets or the introduction of new financial products. Potential risks include increased competition from larger banks and regulatory changes.
Based on FMP financials and quantitative analysis
SOCB Key Highlights
Gross Margin of 100.0% indicates efficient cost management and high profitability in service delivery.
- Profit Margin of 25.3% demonstrates strong earnings relative to revenue.
- P/E Ratio of 24.52 suggests the stock is trading at a premium compared to its earnings.
- Beta of 0.17 indicates lower volatility compared to the overall market, making it a potentially stable investment.
- No Dividend Yield may deter income-seeking investors.
Who Are SOCB's Competitors?
SOCB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| PFH Prudential Financial, Inc. 4.125% Junior Subordinated Notes due 2060 | $15.30 | -0.84% | $39.9B | 42 |
| BPOPM Popular Capital Trust II PFD GTD 6.125% | $25.16 | +0.00% | $11.1B | 87 |
| ZIONL Zions Bancorporation N.A. - 6.9 | $25.00 | -0.06% | $8.39B | 51 |
| BANFP BFC Capital Trust II PFD TR 7.20% | $27.00 | -0.96% | $3.70B | 89 |
| LMHB Legg Mason, Inc. JR SUB NT 56 | $25.80 | +0.19% | $2.43B | 46 |
| CBK Commercial Bancgroup, Inc. | $33.93 | +0.33% | $465M | 85 |
| HVMC Highview Merger Corp. | $10.24 | +0.10% | $301M | 53 |
| BPOPN Popular Capital Trust I PFD 6.70% GTD | $25.23 | +0.44% | 66 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SOCB's Key Strengths?
Strong focus on customer service
- High gross margin
- Low beta indicating lower volatility
- Established presence in its market
What Are SOCB's Weaknesses?
Limited geographic reach
- Lack of dividend yield
- Relatively high P/E ratio
- Dependence on traditional banking services
What Could Drive SOCB Stock Higher?
Potential expansion into new markets to increase customer base.
- Introduction of new digital banking services to attract younger customers.
- Focus on wealth management services to drive revenue growth.
What Are the Key Risks for SOCB?
Increased competition from larger national banks.
- Regulatory changes impacting the banking industry.
- Economic downturn affecting loan demand and credit quality.
- Technological disruption from fintech companies.
What Are the Growth Opportunities for SOCB?
- Expansion into new geographic markets: Southcoast Financial Corp. can expand its operations into new geographic markets to reach a wider customer base. This could involve opening new branches or acquiring existing banks in target markets. The market size for regional banking is estimated to be in the billions of dollars, and expansion into new markets could drive significant revenue growth. Timeline: 2-3 years.
- Introduction of new financial products and services: Southcoast Financial Corp. can introduce new financial products and services to meet the evolving needs of its customers. This could include online banking platforms, mobile payment solutions, and specialized loan products. The market for digital banking services is growing rapidly, and the introduction of new products could attract new customers and increase customer loyalty. Timeline: 1-2 years.
- Focus on wealth management services: Southcoast Financial Corp. can focus on expanding its wealth management services to capitalize on the growing demand for financial planning and investment advice. This could involve hiring experienced financial advisors, developing new investment products, and expanding its client base. The market for wealth management services is estimated to be in the trillions of dollars, and a focus on this area could drive significant revenue growth. Timeline: 2-3 years.
- Strategic acquisitions: Southcoast Financial Corp. can pursue strategic acquisitions to expand its market share and geographic reach. This could involve acquiring smaller banks or wealth management firms in target markets. Acquisitions can provide access to new customers, products, and technologies, and can drive synergies and cost savings. Timeline: 3-5 years.
- Enhanced customer service: Southcoast Financial Corp. can differentiate itself from competitors by providing exceptional customer service. This could involve investing in employee training, improving customer service processes, and offering personalized service to its customers. The market for customer service is increasingly competitive, and companies that provide exceptional service can build customer loyalty and attract new customers. Timeline: Ongoing.
What Are SOCB's Competitive Advantages?
- Established relationships with local customers
- Strong reputation for customer service
- Access to a stable deposit base
- Expertise in wealth management
What Does SOCB Do?
Southcoast Financial Corp. is a financial institution that provides a range of banking and wealth management services to individuals and businesses. While the exact founding story is not available, the company has established itself as a provider of traditional banking services, including deposit accounts, loans, and other financial products. Southcoast Financial Corp. focuses on building relationships with its customers and providing personalized service. The company's geographic reach is not specified, but it likely operates within a regional or local market. Southcoast Financial Corp. differentiates itself through its commitment to customer service and its focus on wealth management solutions. The company's high gross margin of 100.0% suggests efficient cost management in its service delivery. The company's strategy is to provide comprehensive financial solutions to its customer base, fostering long-term relationships and driving sustainable growth.
What Products and Services Does SOCB Offer?
- Provides traditional banking services, including checking and savings accounts
- Offers loan products for individuals and businesses
- Provides wealth management and financial planning services
- Facilitates online and mobile banking transactions
- Offers credit cards and other payment solutions
- Provides commercial banking services to businesses
How Does SOCB Make Money?
- Generates revenue from interest earned on loans
- Collects fees for banking services, such as account maintenance and transaction fees
- Earns commissions from wealth management and investment products
- Manages risk through credit analysis and diversification
What Industry Does SOCB Operate In?
Southcoast Financial Corp. operates in the competitive banking industry, which is characterized by increasing regulatory scrutiny, technological disruption, and evolving customer preferences. The industry is undergoing consolidation, with larger banks acquiring smaller players to gain market share and economies of scale. Southcoast Financial Corp. competes with both large national banks and smaller regional and community banks. The company's focus on wealth management positions it to capitalize on the growing demand for financial planning and investment services. The banking industry is expected to grow at a moderate pace, driven by increasing loan demand and rising interest rates.
Who Are SOCB's Key Customers?
- Individuals seeking personal banking services
- Small businesses requiring commercial banking solutions
- High-net-worth individuals seeking wealth management services
- Local communities served by its branch network
Company Profile
Southcoast Financial Corp. operates in the Banks - Regional industry within the Financial Services sector. SOCB has traded publicly since 2016.
Key Financial Metrics
Return on equity for Southcoast Financial Corp. stands at 8.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. SOCB trades at a trailing price-to-earnings ratio of 24.52, above the Financial Services sector average of ~18x. A current ratio of 2.95 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 4.1%, the inverse of the P/E and a quick read on earnings relative to price.
SOCB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Strong focus on customer service
- High gross margin
- Low beta indicating lower volatility
- Established presence in its market
Bear Case
- Limited geographic reach
- Lack of dividend yield
- Relatively high P/E ratio
- Dependence on traditional banking services
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
SOCB Latest News
No recent news available for SOCB.
What Investors Ask About Southcoast Financial Corp. (SOCB) — Financial Services
What happened to Southcoast Financial Corp. (SOCB) stock?
Southcoast Financial Corp. (SOCB) no longer trades on public markets. It was delisted in June 2016. The figures below are historical and are not a current quote.
Can I still buy SOCB shares?
No. SOCB stopped trading on public markets in June 2016, so the shares are not available through a broker. Anything you see quoted for SOCB elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before SOCB stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Southcoast Financial Corp.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Southcoast Financial Corp. do?
Southcoast Financial Corp. operates as a financial institution, providing a range of banking and wealth management services to individuals and businesses. The company focuses on traditional banking activities, including deposit accounts, loans, and other financial products. Additionally, Southcoast Financial Corp. offers wealth management solutions to help clients achieve their financial goals. The company aims to build long-term relationships with its customers by providing personalized service and comprehensive financial solutions.
What are the main risks for SOCB?
Southcoast Financial Corp. faces several risks, including increased competition from larger national banks, which could erode its market share. Regulatory changes in the banking industry could also impact its profitability and operations. An economic downturn could reduce loan demand and increase credit losses. Additionally, technological disruption from fintech companies poses a threat to its traditional banking model. These risks could negatively impact the company's financial performance and stock price.
How does Southcoast Financial Corp. compare to competitors in its industry?
Southcoast Financial Corp. operates within a competitive landscape of both large national banks and smaller regional institutions. Its high gross margin of 100.0% suggests a strong ability to manage costs relative to its peers. However, its P/E ratio of 24.52 indicates a potentially higher valuation compared to some competitors.
What are the key financial metrics investors watch for SOCB?
Investors closely monitor several key financial metrics for Southcoast Financial Corp. The profit margin of 25.3% and gross margin of 100.0% are important indicators of profitability and efficiency. The P/E ratio of 24.52 provides insight into the company's valuation relative to its earnings. The beta of 0.17 measures the stock's volatility compared to the market.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending for SOCB, limiting the depth of insights.
- Information is based on available financial data and may not reflect all aspects of the company's operations.