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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.85
SBFC's Cash to Debt is ranked lower than
59% of the 972 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. SBFC: 0.85 )
Ranked among companies with meaningful Cash to Debt only.
SBFC' s 10-Year Cash to Debt Range
Min: 0.24   Max: N/A
Current: 0.85

Equity to Asset 0.09
SBFC's Equity to Asset is ranked lower than
63% of the 1285 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SBFC: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
SBFC' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.09
Current: 0.09

0.06
0.09
Interest Coverage 2.71
SBFC's Interest Coverage is ranked higher than
64% of the 1197 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. SBFC: 2.71 )
Ranked among companies with meaningful Interest Coverage only.
SBFC' s 10-Year Interest Coverage Range
Min: 0.31   Max: 2.71
Current: 2.71

0.31
2.71
F-Score: 6
Z-Score: 0.24
WACC vs ROIC
5.43%
9.93%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 34.35
SBFC's Operating margin (%) is ranked higher than
63% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.14 vs. SBFC: 34.35 )
Ranked among companies with meaningful Operating margin (%) only.
SBFC' s 10-Year Operating margin (%) Range
Min: -22.85   Max: 35.69
Current: 34.35

-22.85
35.69
Net-margin (%) 23.58
SBFC's Net-margin (%) is ranked higher than
59% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. SBFC: 23.58 )
Ranked among companies with meaningful Net-margin (%) only.
SBFC' s 10-Year Net-margin (%) Range
Min: -12.67   Max: 23.83
Current: 23.58

-12.67
23.83
ROE (%) 11.33
SBFC's ROE (%) is ranked higher than
71% of the 1345 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. SBFC: 11.33 )
Ranked among companies with meaningful ROE (%) only.
SBFC' s 10-Year ROE (%) Range
Min: -8.48   Max: 16.24
Current: 11.33

-8.48
16.24
ROA (%) 0.97
SBFC's ROA (%) is ranked higher than
62% of the 1352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. SBFC: 0.97 )
Ranked among companies with meaningful ROA (%) only.
SBFC' s 10-Year ROA (%) Range
Min: -0.55   Max: 1.32
Current: 0.97

-0.55
1.32
ROC (Joel Greenblatt) (%) 90.05
SBFC's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.42 vs. SBFC: 90.05 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
SBFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -43.86   Max: 88.41
Current: 90.05

-43.86
88.41
Revenue Growth (3Y)(%) 0.30
SBFC's Revenue Growth (3Y)(%) is ranked lower than
58% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. SBFC: 0.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SBFC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 20.3
Current: 0.3

0
20.3
EBITDA Growth (3Y)(%) 13.10
SBFC's EBITDA Growth (3Y)(%) is ranked higher than
67% of the 986 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SBFC: 13.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SBFC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 28.3
Current: 13.1

0
28.3
EPS Growth (3Y)(%) 14.70
SBFC's EPS Growth (3Y)(%) is ranked higher than
64% of the 1002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. SBFC: 14.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SBFC' s 10-Year EPS Growth (3Y)(%) Range
Min: -19.2   Max: 33.5
Current: 14.7

-19.2
33.5
» SBFC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Latest Guru Trades with SBFC

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Ratios

vs
industry
vs
history
P/E(ttm) 11.80
SBFC's P/E(ttm) is ranked higher than
66% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. SBFC: 11.80 )
Ranked among companies with meaningful P/E(ttm) only.
SBFC' s 10-Year P/E(ttm) Range
Min: 5.76   Max: 39.39
Current: 11.8

5.76
39.39
Forward P/E 7.50
SBFC's Forward P/E is ranked higher than
87% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. SBFC: 7.50 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.10
SBFC's PE(NRI) is ranked higher than
56% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. SBFC: 13.10 )
Ranked among companies with meaningful PE(NRI) only.
SBFC' s 10-Year PE(NRI) Range
Min: 5.76   Max: 39.39
Current: 13.1

5.76
39.39
P/B 1.20
SBFC's P/B is ranked lower than
58% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SBFC: 1.20 )
Ranked among companies with meaningful P/B only.
SBFC' s 10-Year P/B Range
Min: 0.54   Max: 3.81
Current: 1.2

0.54
3.81
P/S 2.78
SBFC's P/S is ranked higher than
52% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. SBFC: 2.78 )
Ranked among companies with meaningful P/S only.
SBFC' s 10-Year P/S Range
Min: 0.87   Max: 5.95
Current: 2.78

0.87
5.95
PFCF 14.00
SBFC's PFCF is ranked lower than
64% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.80 vs. SBFC: 14.00 )
Ranked among companies with meaningful PFCF only.
SBFC' s 10-Year PFCF Range
Min: 1.54   Max: 290.91
Current: 14

1.54
290.91
POCF 12.89
SBFC's POCF is ranked lower than
68% of the 961 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. SBFC: 12.89 )
Ranked among companies with meaningful POCF only.
SBFC' s 10-Year POCF Range
Min: 1.53   Max: 36.71
Current: 12.89

1.53
36.71
EV-to-EBIT 9.54
SBFC's EV-to-EBIT is ranked higher than
74% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.34 vs. SBFC: 9.54 )
Ranked among companies with meaningful EV-to-EBIT only.
SBFC' s 10-Year EV-to-EBIT Range
Min: -6.5   Max: 47.4
Current: 9.54

-6.5
47.4
Shiller P/E 19.20
SBFC's Shiller P/E is ranked lower than
61% of the 1029 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.00 vs. SBFC: 19.20 )
Ranked among companies with meaningful Shiller P/E only.
SBFC' s 10-Year Shiller P/E Range
Min: 6.75   Max: 30.3
Current: 19.2

6.75
30.3
Days Sales Outstanding 31.89
SBFC's Days Sales Outstanding is ranked higher than
55% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. SBFC: 31.89 )
Ranked among companies with meaningful Days Sales Outstanding only.
SBFC' s 10-Year Days Sales Outstanding Range
Min: 30.28   Max: 55.85
Current: 31.89

30.28
55.85

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.87
SBFC's Dividend Yield is ranked lower than
67% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. SBFC: 1.87 )
Ranked among companies with meaningful Dividend Yield only.
SBFC' s 10-Year Dividend Yield Range
Min: 0.29   Max: 4.23
Current: 1.87

0.29
4.23
Dividend Payout 0.21
SBFC's Dividend Payout is ranked higher than
72% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. SBFC: 0.21 )
Ranked among companies with meaningful Dividend Payout only.
SBFC' s 10-Year Dividend Payout Range
Min: 0.2   Max: 13
Current: 0.21

0.2
13
Yield on cost (5-Year) 1.90
SBFC's Yield on cost (5-Year) is ranked lower than
71% of the 2099 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. SBFC: 1.90 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SBFC' s 10-Year Yield on cost (5-Year) Range
Min: 0.29   Max: 4.23
Current: 1.9

0.29
4.23
Share Buyback Rate -0.10
SBFC's Share Buyback Rate is ranked higher than
70% of the 917 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. SBFC: -0.10 )
Ranked among companies with meaningful Share Buyback Rate only.
SBFC' s 10-Year Share Buyback Rate Range
Min: 0   Max: -3.6
Current: -0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
SBFC's Price/Tangible Book is ranked higher than
54% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SBFC: 1.30 )
Ranked among companies with meaningful Price/Tangible Book only.
SBFC' s 10-Year Price/Tangible Book Range
Min: 0.2   Max: 3.64
Current: 1.3

0.2
3.64
Price/DCF (Projected) 0.50
SBFC's Price/DCF (Projected) is ranked higher than
72% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. SBFC: 0.50 )
Ranked among companies with meaningful Price/DCF (Projected) only.
SBFC' s 10-Year Price/DCF (Projected) Range
Min: 0.29   Max: 2.81
Current: 0.5

0.29
2.81
Price/Median PS Value 1.30
SBFC's Price/Median PS Value is ranked lower than
68% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SBFC: 1.30 )
Ranked among companies with meaningful Price/Median PS Value only.
SBFC' s 10-Year Price/Median PS Value Range
Min: 0.46   Max: 2.73
Current: 1.3

0.46
2.73
Price/Graham Number 0.80
SBFC's Price/Graham Number is ranked higher than
62% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SBFC: 0.80 )
Ranked among companies with meaningful Price/Graham Number only.
SBFC' s 10-Year Price/Graham Number Range
Min: 0.42   Max: 2
Current: 0.8

0.42
2
Earnings Yield (Greenblatt) 11.70
SBFC's Earnings Yield (Greenblatt) is ranked higher than
80% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. SBFC: 11.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
SBFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.1   Max: 31.3
Current: 11.7

2.1
31.3
Forward Rate of Return (Yacktman) -8.14
SBFC's Forward Rate of Return (Yacktman) is ranked lower than
85% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.69 vs. SBFC: -8.14 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
SBFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1   Max: 30.4
Current: -8.14

-1
30.4

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Southeastern Bank Financial Corp was incorporated in Georgia. It is a bank holding company. The Company is community oriented which along with its subsidiaries offers real estate, commercial and consumer loans and various deposit and other services to individuals, small to medium sized businesses and professionals in its market area. The Company has two wholly-owned subsidiaries that mainly does business in the Augusta-Richmond County, GA-SC metropolitan area-Georgia Bank & Trust Company of Augusta "GB&T". The Company offers a range of lending services, including real estate, commercial and consumer loans to individuals, small to medium-sized businesses and professionals that are located in, or conduct a substantial portion of its business in the Company's market area. The Company offers a variety of deposit programs to individuals and small to medium-sized businesses and other organizations at interest rates generally consistent with local market conditions. The Company's services include the origination of residential and commercial real estate loans, construction and development loans, and commercial and consumer loans. The Company also offers a variety of deposit programs, including noninterest-bearing demand, interest checking, money management, savings, and time deposits. The Company's main market area includes Richmond and Columbia Counties in Georgia and Aiken County in South Carolina, all part of the Augusta-Richmond County, GA-SC metropolitan statistical area "MSA". The banking business generally is highly competitive, and sources of competition are varied. The Company competes as a financial intermediary with other commercial banks, savings and loan associations, credit unions, mortgage banking companies, consumer finance companies, securities brokerages, insurance companies, and money market mutual funds operating in Richmond, Columbia and Clarke Counties in Georgia, Aiken County in South Carolina and elsewhere.
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