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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 0.43
SBFC's Cash to Debt is ranked higher than
67% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. SBFC: 0.43 )
SBFC' s 10-Year Cash to Debt Range
Min: 0.27   Max: 1.4
Current: 0.43

0.27
1.4
Equity to Asset 0.09
SBFC's Equity to Asset is ranked higher than
69% of the 2028 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SBFC: 0.09 )
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
80% of the 1861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. SBFC: 2.71 )
SBFC' s 10-Year Interest Coverage Range
Min: 0.31   Max: 2.71
Current: 2.71

0.31
2.71
F-Score: 5
Z-Score: 0.23
WACC vs ROIC
4.94%
9.74%
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 (%) 33.92
SBFC's Operating margin (%) is ranked higher than
83% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.72 vs. SBFC: 33.92 )
SBFC' s 10-Year Operating margin (%) Range
Min: -22.85   Max: 35.69
Current: 33.92

-22.85
35.69
Net-margin (%) 23.39
SBFC's Net-margin (%) is ranked higher than
80% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.65 vs. SBFC: 23.39 )
SBFC' s 10-Year Net-margin (%) Range
Min: -12.67   Max: 23.83
Current: 23.39

-12.67
23.83
ROE (%) 11.51
SBFC's ROE (%) is ranked higher than
88% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. SBFC: 11.51 )
SBFC' s 10-Year ROE (%) Range
Min: -8.48   Max: 16.24
Current: 11.51

-8.48
16.24
ROA (%) 0.96
SBFC's ROA (%) is ranked higher than
80% of the 2060 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SBFC: 0.96 )
SBFC' s 10-Year ROA (%) Range
Min: -0.55   Max: 1.32
Current: 0.96

-0.55
1.32
ROC (Joel Greenblatt) (%) 88.16
SBFC's ROC (Joel Greenblatt) (%) is ranked higher than
78% of the 2017 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.18 vs. SBFC: 88.16 )
SBFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -43.86   Max: 88.41
Current: 88.16

-43.86
88.41
Revenue Growth (3Y)(%) 0.30
SBFC's Revenue Growth (3Y)(%) is ranked higher than
79% of the 1724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. SBFC: 0.30 )
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
93% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. SBFC: 13.10 )
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
94% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. SBFC: 14.70 )
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

Insider Trades

Latest Guru Trades with SBFC

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Ratios

vs
industry
vs
history
P/E(ttm) 11.10
SBFC's P/E(ttm) is ranked higher than
89% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. SBFC: 11.10 )
SBFC' s 10-Year P/E(ttm) Range
Min: 5.76   Max: 39.39
Current: 11.1

5.76
39.39
Forward P/E 7.50
SBFC's Forward P/E is ranked higher than
96% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.42 vs. SBFC: 7.50 )
N/A
PE(NRI) 11.10
SBFC's PE(NRI) is ranked higher than
90% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. SBFC: 11.10 )
SBFC' s 10-Year PE(NRI) Range
Min: 5.76   Max: 39.39
Current: 11.1

5.76
39.39
P/B 1.20
SBFC's P/B is ranked higher than
75% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. SBFC: 1.20 )
SBFC' s 10-Year P/B Range
Min: 0.54   Max: 3.81
Current: 1.2

0.54
3.81
P/S 2.60
SBFC's P/S is ranked higher than
82% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.63 vs. SBFC: 2.60 )
SBFC' s 10-Year P/S Range
Min: 0.87   Max: 5.95
Current: 2.6

0.87
5.95
PFCF 11.80
SBFC's PFCF is ranked higher than
84% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SBFC: 11.80 )
SBFC' s 10-Year PFCF Range
Min: 1.54   Max: 290.91
Current: 11.8

1.54
290.91
POCF 9.87
SBFC's POCF is ranked higher than
83% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.89 vs. SBFC: 9.87 )
SBFC' s 10-Year POCF Range
Min: 1.53   Max: 36.71
Current: 9.87

1.53
36.71
EV-to-EBIT 9.60
SBFC's EV-to-EBIT is ranked higher than
90% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.45 vs. SBFC: 9.60 )
SBFC' s 10-Year EV-to-EBIT Range
Min: -6.5   Max: 47.4
Current: 9.6

-6.5
47.4
Shiller P/E 19.20
SBFC's Shiller P/E is ranked higher than
85% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SBFC: 19.20 )
SBFC' s 10-Year Shiller P/E Range
Min: 6.71   Max: 30.06
Current: 19.2

6.71
30.06
Days Sales Outstanding 30.28
SBFC's Days Sales Outstanding is ranked higher than
89% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SBFC: 30.28 )
SBFC' s 10-Year Days Sales Outstanding Range
Min: 30.28   Max: 55.85
Current: 30.28

30.28
55.85

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.00
SBFC's Dividend Yield is ranked lower than
57% of the 1919 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. SBFC: 2.00 )
SBFC' s 10-Year Dividend Yield Range
Min: 0.29   Max: 4.23
Current: 2

0.29
4.23
Dividend Payout 0.21
SBFC's Dividend Payout is ranked higher than
86% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. SBFC: 0.21 )
SBFC' s 10-Year Dividend Payout Range
Min: 0.16   Max: 0.39
Current: 0.21

0.16
0.39
Yield on cost (5-Year) 2.00
SBFC's Yield on cost (5-Year) is ranked lower than
55% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. SBFC: 2.00 )
SBFC' s 10-Year Yield on cost (5-Year) Range
Min: 0.29   Max: 4.23
Current: 2

0.29
4.23
Share Buyback Rate -0.10
SBFC's Share Buyback Rate is ranked lower than
120% of the 1458 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. SBFC: -0.10 )
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 1.20
SBFC's Price/Tangible Book is ranked higher than
79% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.51 vs. SBFC: 1.20 )
SBFC' s 10-Year Price/Tangible Book Range
Min: 0.2   Max: 3.64
Current: 1.2

0.2
3.64
Price/DCF (Projected) 0.48
SBFC's Price/DCF (Projected) is ranked higher than
92% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.55 vs. SBFC: 0.48 )
SBFC' s 10-Year Price/DCF (Projected) Range
Min: 0.29   Max: 2.81
Current: 0.48

0.29
2.81
Price/Median PS Value 1.22
SBFC's Price/Median PS Value is ranked higher than
73% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. SBFC: 1.22 )
SBFC' s 10-Year Price/Median PS Value Range
Min: 0.47   Max: 2.54
Current: 1.22

0.47
2.54
Price/Graham Number 0.77
SBFC's Price/Graham Number is ranked higher than
86% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. SBFC: 0.77 )
SBFC' s 10-Year Price/Graham Number Range
Min: 0.42   Max: 1.88
Current: 0.77

0.42
1.88
Earnings Yield (Greenblatt) 10.40
SBFC's Earnings Yield (Greenblatt) is ranked higher than
86% of the 2041 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SBFC: 10.40 )
SBFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.1   Max: 31.3
Current: 10.4

2.1
31.3
Forward Rate of Return (Yacktman) -7.20
SBFC's Forward Rate of Return (Yacktman) is ranked higher than
54% of the 1289 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.40 vs. SBFC: -7.20 )
SBFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1   Max: 30.4
Current: -7.2

-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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