Southeastern Banking Corporation Logo

Southeastern Banking Corporation

SEBC

(2.2)
Stock Price

22,27 USD

12.34% ROA

14.75% ROE

6.57x PER

Market Cap.

66.491.250,00 USD

49.16% DER

3.53% Yield

31.77% NPM

Southeastern Banking Corporation Stock Analysis

Southeastern Banking Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Southeastern Banking Corporation Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (12%), which means it has a small amount of debt compared to the ownership it holds

2 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

3 PBV

The stock's PBV ratio (1.33x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

4 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

5 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

6 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

7 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (227), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

8 ROE

Negative ROE (-11.76%) indicates poor financial performance, raising concerns about profitability and efficiency in utilizing shareholders' equity.

9 ROA

The stock's ROA (-1.2%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

10 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

Southeastern Banking Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Southeastern Banking Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Southeastern Banking Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Southeastern Banking Corporation Revenue
Year Revenue Growth
1995 4.677.529
1996 5.580.511 16.18%
1997 5.590.672 0.18%
1998 4.713.576 -18.61%
1999 18.552.996 74.59%
2000 18.930.641 1.99%
2001 18.040.277 -4.94%
2002 19.159.903 5.84%
2003 20.325.804 5.74%
2004 21.135.295 3.83%
2005 22.139.448 4.54%
2006 23.371.782 5.27%
2007 24.396.432 4.2%
2008 21.299.919 -14.54%
2009 19.737.154 -7.92%
2010 16.703.764 -18.16%
2011 16.028.462 -4.21%
2012 15.245.520 -5.14%
2013 13.898.759 -9.69%
2014 13.852.719 -0.33%
2015 15.970.413 13.26%
2016 18.143.010 11.97%
2017 18.560.853 2.25%
2018 21.703.798 14.48%
2019 21.440.495 -1.23%
2020 21.368.436 -0.34%
2021 22.223.144 3.85%
2022 25.977.053 14.45%
2023 31.109.058 16.5%
2024 33.244.000 6.42%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Southeastern Banking Corporation Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Southeastern Banking Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 5.820.415
1996 6.411.381 9.22%
1997 6.497.080 1.32%
1998 5.800.276 -12.01%
1999 5.747.257 -0.92%
2000 6.126.576 6.19%
2001 6.187.339 0.98%
2002 6.355.909 2.65%
2003 6.838.733 7.06%
2004 6.881.293 0.62%
2005 7.563.746 9.02%
2006 8.029.093 5.8%
2007 8.196.333 2.04%
2008 7.837.351 -4.58%
2009 7.324.170 -7.01%
2010 7.062.846 -3.7%
2011 6.813.952 -3.65%
2012 6.836.368 0.33%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Southeastern Banking Corporation EBITDA
Year EBITDA Growth
1995 7.022.285
1996 7.894.882 11.05%
1997 7.868.989 -0.33%
1998 7.884.024 0.19%
1999 7.925.096 0.52%
2000 7.887.638 -0.47%
2001 6.548.474 -20.45%
2002 8.184.020 19.98%
2003 9.384.719 12.79%
2004 9.811.979 4.35%
2005 10.474.637 6.33%
2006 10.438.587 -0.35%
2007 11.188.701 6.7%
2008 5.636.360 -98.51%
2009 1.365.696 -312.71%
2010 -11.845.466 111.53%
2011 -3.954.418 -199.55%
2012 173.916 2373.75%
2013 -927.730 118.75%
2014 15.304.316 106.06%
2015 -186.669 8298.64%
2016 -1.709.931 89.08%
2017 -381.995 -347.63%
2018 -620.762 38.46%
2019 -94.197 -559%
2020 -82.125 -14.7%
2021 -90.000 8.75%
2022 805.167 111.18%
2023 726.648 -10.81%
2024 0 0%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Southeastern Banking Corporation Gross Profit
Year Gross Profit Growth
1995 4.677.529
1996 5.580.511 16.18%
1997 5.590.672 0.18%
1998 4.713.576 -18.61%
1999 18.552.996 74.59%
2000 18.930.641 1.99%
2001 18.040.277 -4.94%
2002 19.159.903 5.84%
2003 20.325.804 5.74%
2004 21.135.295 3.83%
2005 22.139.448 4.54%
2006 23.371.782 5.27%
2007 24.396.432 4.2%
2008 21.299.919 -14.54%
2009 19.737.154 -7.92%
2010 16.703.764 -18.16%
2011 16.028.462 -4.21%
2012 15.245.520 -5.14%
2013 13.898.759 -9.69%
2014 13.852.719 -0.33%
2015 15.970.413 13.26%
2016 18.143.010 11.97%
2017 18.560.853 2.25%
2018 21.703.798 14.48%
2019 21.440.495 -1.23%
2020 21.368.436 -0.34%
2021 22.223.144 3.85%
2022 25.977.053 14.45%
2023 29.847.000 12.97%
2024 33.244.000 10.22%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Southeastern Banking Corporation Net Profit
Year Net Profit Growth
1995 4.286.910
1996 4.805.227 10.79%
1997 4.721.895 -1.76%
1998 4.392.598 -7.5%
1999 4.849.165 9.42%
2000 4.935.094 1.74%
2001 4.097.126 -20.45%
2002 4.758.792 13.9%
2003 5.201.021 8.5%
2004 5.803.464 10.38%
2005 6.474.634 10.37%
2006 6.575.016 1.53%
2007 7.030.518 6.48%
2008 3.549.813 -98.05%
2009 734.087 -383.57%
2010 -12.644.963 105.81%
2011 -4.992.394 -153.28%
2012 -1.554.332 -221.19%
2013 1.132.153 237.29%
2014 7.926.963 85.72%
2015 2.662.696 -197.7%
2016 3.872.072 31.23%
2017 2.922.389 -32.5%
2018 6.842.220 57.29%
2019 6.654.094 -2.83%
2020 5.712.278 -16.49%
2021 7.502.000 23.86%
2022 9.064.000 17.23%
2023 10.588.000 14.39%
2024 10.064.000 -5.21%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Southeastern Banking Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 4
1996 1 -200%
1997 1 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 2 0%
2004 2 0%
2005 2 0%
2006 2 50%
2007 2 0%
2008 1 -100%
2009 0 0%
2010 -4 100%
2011 -2 -300%
2012 0 0%
2013 0 0%
2014 3 100%
2015 1 0%
2016 1 100%
2017 1 0%
2018 2 100%
2019 2 0%
2020 2 -100%
2021 2 50%
2022 3 0%
2023 3 33.33%
2024 3 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Southeastern Banking Corporation Free Cashflow
Year Free Cashflow Growth
1995 6.193.444
1996 6.535.454 5.23%
1997 6.956.306 6.05%
1998 5.249.140 -32.52%
1999 6.413.940 18.16%
2000 5.644.217 -13.64%
2001 6.645.592 15.07%
2002 5.862.782 -13.35%
2003 6.314.087 7.15%
2004 6.804.238 7.2%
2005 7.629.620 10.82%
2006 5.604.169 -36.14%
2007 5.053.300 -10.9%
2008 4.548.125 -11.11%
2009 4.058.470 -12.07%
2010 4.830.989 15.99%
2011 6.926.542 30.25%
2012 1.046.063 -562.15%
2013 3.868.103 72.96%
2014 3.902.168 0.87%
2015 3.657.635 -6.69%
2016 5.385.631 32.09%
2017 4.565.403 -17.97%
2018 3.321.452 -37.45%
2019 8.004.009 58.5%
2020 6.780.136 -18.05%
2021 4.669.063 -45.21%
2022 10.056.426 53.57%
2023 10.572.381 4.88%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Southeastern Banking Corporation Operating Cashflow
Year Operating Cashflow Growth
1995 6.793.130
1996 7.430.921 8.58%
1997 7.135.793 -4.14%
1998 6.054.271 -17.86%
1999 7.191.740 15.82%
2000 6.360.561 -13.07%
2001 7.364.981 13.64%
2002 6.654.800 -10.67%
2003 7.937.105 16.16%
2004 7.919.567 -0.22%
2005 7.954.059 0.43%
2006 7.112.785 -11.83%
2007 7.951.570 10.55%
2008 5.285.772 -50.43%
2009 4.172.158 -26.69%
2010 5.978.303 30.21%
2011 7.236.266 17.38%
2012 1.047.263 -590.97%
2013 4.024.136 73.98%
2014 4.151.759 3.07%
2015 3.787.879 -9.61%
2016 5.795.124 34.64%
2017 7.054.466 17.85%
2018 6.464.106 -9.13%
2019 8.313.340 22.24%
2020 6.855.183 -21.27%
2021 8.119.717 15.57%
2022 10.238.081 20.69%
2023 11.615.992 11.86%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Southeastern Banking Corporation Capital Expenditure
Year Capital Expenditure Growth
1995 599.686
1996 895.467 33.03%
1997 179.487 -398.9%
1998 805.131 77.71%
1999 777.800 -3.51%
2000 716.344 -8.58%
2001 719.389 0.42%
2002 792.018 9.17%
2003 1.623.018 51.2%
2004 1.115.329 -45.52%
2005 324.439 -243.77%
2006 1.508.616 78.49%
2007 2.898.270 47.95%
2008 737.647 -292.91%
2009 113.688 -548.83%
2010 1.147.314 90.09%
2011 309.724 -270.43%
2012 1.200 -25710.33%
2013 156.033 99.23%
2014 249.591 37.48%
2015 130.244 -91.63%
2016 409.493 68.19%
2017 2.489.063 83.55%
2018 3.142.654 20.8%
2019 309.331 -915.95%
2020 75.047 -312.18%
2021 3.450.654 97.83%
2022 181.655 -1799.56%
2023 1.043.611 82.59%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Southeastern Banking Corporation Equity
Year Equity Growth
1995 30.772.126
1996 34.003.627 9.5%
1997 37.868.657 10.21%
1998 41.150.297 7.97%
1999 41.152.936 0.01%
2000 44.340.175 7.19%
2001 45.597.327 2.76%
2002 47.529.170 4.06%
2003 47.765.257 0.49%
2004 49.241.761 3%
2005 49.400.900 0.32%
2006 52.186.186 5.34%
2007 56.737.310 8.02%
2008 57.183.543 0.78%
2009 56.558.683 -1.1%
2010 44.805.559 -26.23%
2011 40.124.655 -11.67%
2012 39.984.648 -0.35%
2013 35.646.664 -12.17%
2014 44.436.995 19.78%
2015 46.175.723 3.77%
2016 48.817.792 5.41%
2017 50.542.702 3.41%
2018 55.216.537 8.46%
2019 59.509.004 7.21%
2020 65.165.155 8.68%
2021 65.796.043 0.96%
2022 59.675.232 -10.26%
2023 69.822.132 14.53%
2024 73.236.000 4.66%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Southeastern Banking Corporation Assets
Year Assets Growth
1995 296.955.782
1996 335.825.618 11.57%
1997 347.897.833 3.47%
1998 337.933.332 -2.95%
1999 340.544.888 0.77%
2000 349.578.552 2.58%
2001 355.214.815 1.59%
2002 378.139.629 6.06%
2003 374.367.734 -1.01%
2004 400.755.218 6.58%
2005 388.691.172 -3.1%
2006 410.302.056 5.27%
2007 436.385.717 5.98%
2008 434.986.549 -0.32%
2009 421.055.625 -3.31%
2010 427.633.057 1.54%
2011 416.609.878 -2.65%
2012 420.688.158 0.97%
2013 370.057.953 -13.68%
2014 389.766.686 5.06%
2015 403.340.836 3.37%
2016 414.187.941 2.62%
2017 431.048.446 3.91%
2018 419.571.431 -2.74%
2019 460.307.498 8.85%
2020 542.980.981 15.23%
2021 642.104.875 15.44%
2022 672.017.279 4.45%
2023 617.437.137 -8.84%
2024 595.121.000 -3.75%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Southeastern Banking Corporation Liabilities
Year Liabilities Growth
1995 2.973.054
1996 3.250.366 8.53%
1997 3.770.688 13.8%
1998 816.053 -362.06%
1999 1.909.498 57.26%
2000 305.238.377 99.37%
2001 309.617.488 1.41%
2002 330.610.459 6.35%
2003 326.602.477 -1.23%
2004 351.513.457 7.09%
2005 339.290.272 -3.6%
2006 358.115.870 5.26%
2007 379.648.407 5.67%
2008 377.803.006 -0.49%
2009 364.496.942 -3.65%
2010 382.827.498 4.79%
2011 5.000.000 -7556.55%
2012 5.000.000 0%
2013 0 0%
2014 0 0%
2015 357.165.113 100%
2016 365.370.149 2.25%
2017 380.505.744 3.98%
2018 364.354.894 -4.43%
2019 400.798.494 9.09%
2020 477.815.826 16.12%
2021 576.308.832 17.09%
2022 612.342.047 5.88%
2023 547.615.005 -11.82%
2024 521.885.000 -4.93%

Southeastern Banking Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
10.19
Net Income per Share
3.24
Price to Earning Ratio
6.57x
Price To Sales Ratio
2.07x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.91
EV to Sales
1.81
EV Over EBITDA
-5.95
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.15
FreeCashFlow Yield
0
Market Cap
0,07 Bil.
Enterprise Value
0,06 Bil.
Graham Number
41.14
Graham NetNet
-167.12

Income Statement Metrics

Net Income per Share
3.24
Income Quality
0
ROE
0.15
Return On Assets
0.02
Return On Capital Employed
0.04
Net Income per EBT
0.79
EBT Per Ebit
0.74
Ebit per Revenue
0.54
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.95
Operating Profit Margin
0.54
Pretax Profit Margin
0.4
Net Profit Margin
0.32

Dividends

Dividend Yield
0.04
Dividend Yield %
3.53
Payout Ratio
0
Dividend Per Share
0.75

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.13
Return on Tangible Assets
0.12
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
-1,49
Book Value per Share
23,24
Tangible Book Value per Share
-139.41
Shareholders Equity per Share
23.24
Interest Debt per Share
12.19
Debt to Equity
0.49
Debt to Assets
0.06
Net Debt to EBITDA
0.87
Current Ratio
0.17
Tangible Asset Value
-0,44 Bil.
Net Current Asset Value
-0,49 Bil.
Invested Capital
381318000
Working Capital
-0,14 Bil.
Intangibles to Total Assets
0.86
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.54

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Southeastern Banking Corporation Dividends
Year Dividends Growth
2003 1
2004 1 0%
2005 1 100%
2006 1 0%
2007 1 0%
2008 1 0%
2009 0 0%
2010 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 2 100%
2020 1 0%
2021 2 100%
2022 1 0%
2023 1 0%
2024 1 0%

Southeastern Banking Corporation Profile

About Southeastern Banking Corporation

Southeastern Banking Corporation operates as a bank holding company for Southeastern Bank that provides commercial and consumer banking products and services in the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit. It also provides home, construction, personal, auto, boat and recreational vehicle, business term, equipment, and small business administration loans; home equity loans and lines, and operating lines of credit; commercial real estate and residential real estateĀ–mortgage loans, as well as other commercial, financial, and agricultural loans; and debit and credit cards. In addition, the company offers business cash management and overdraft protection services, as well as online and mobile banking, bill payment, and e-statement services. It operates through 10 branch locations and ATM networks in southeast Georgia and northeast Florida. The company was founded in 1888 and is headquartered in Darien, Georgia.

CEO
Mr. Donald J. Torbert Jr.
Employee
148
Address
1010 North Way
Darien, 31305

Southeastern Banking Corporation Executives & BODs

Southeastern Banking Corporation Executives & BODs
# Name Age
1 Ms. Wanda D. Pitts
Senior Vice President of Human Resources & Secretary
70
2 Mr. Mark A. Westberry
Senior Vice President of Loan Operations
70
3 Mr. Bradford S. Brown
Senior Vice President
70
4 Mr. Christopher M. Harper
Senior Vice President of Commercial Lending
70
5 Mr. James B. Lomis
Senior Vice President of Commercial Lending
70
6 Mr. Marvin L. Pipkin
Legal Counsel
70
7 Ms. Alyson G. Beasley
Executive Vice President & Director
70
8 Mr. Donald J. Torbert Jr.
President, Chief Executive Officer & Director
70
9 Mr. Darryl W. Cox
Vice President of Operations
70
10 Caitlin P. Jarriel
Senior Vice President, Chief Compliance & Loan Operations Officer
70

Southeastern Banking Corporation Competitors