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: $13250.00Fairly Valued

Fair Value Range

Bear Case (25th pct.)

$12709.64

-4.1% vs price

Base Case (Median)

$13887.51

4.8% vs price

Bull Case (75th pct.)

$14293.86

7.9% vs price

$12709.64$13887.51$14293.86

◇ = 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	$10189.06	-23.1%	Medium (25%)
Growth Trajectory DCF	$14225.19	7.4%	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 $13887.51 implies 4.8% 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.