Prices and market caps: Cboe delayed data, at least 15 minutes delayed. Not real-time. Fundamentals from company filings.

SBNC — Fair Value Analysis

SOUTHERN BANCSHARES NC INC

Current: $13250.00Price inside range

Fair Value Range

Bear Case (25th pct.)

$12685.67

-4.3% vs price

Base Case (Median)

$13947.88

5.3% vs price

Bull Case (75th pct.)

$14384.43

8.6% vs price

$12685.67$13947.88$14384.43

◇ = Current price | | Bear | Base | Bull

Method Breakdown

Method	Est. Value	vs Price	Weight
DCF (Discounted Cash Flow)	$14499.89	9.4%	High (40%)
PE Comparable	$10093.19	-23.8%	Medium (25%)
Growth Trajectory DCF	$14345.94	8.3%	Medium (20%)
Graham Number	$13549.83	2.3%	High (80%)

Interpretation

Based on 4 out of 8 methods, SBNC appears fairly valued at the current price of $13250.00. The base case fair value of $13947.88 implies 5.3% upside.

Bear/base/bull cases represent the 25th, 50th, and 75th percentile of available method estimates. This is not financial advice. Valuation is inherently uncertain.