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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

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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

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» SBFC's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:BMRC, NAS:FBNK, NAS:CNBKA, NAS:EQBK, NAS:FISI, NAS:FMNB, NAS:CCNE, OTCPK:CARE, NAS:CCBG, NAS:MOFG, NAS:SONA, NAS:ACBI, NAS:FMBH, NAS:WFBI, NAS:WTBA, NAS:TBBK, NYSE:OFG, NAS:OSBC, NAS:SNBC, NYSE:FSB » details
Headquarter Location:USA
Southeastern Bank Financial Corp provides residential and commercial real estate loans, construction and development loans and commercial and consumer loans. It also offers deposit programs interest checking, money management, savings and time deposits.

Southeastern Bank Financial Corp was incorporated in Georgia in February 1992. 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 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 its 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. Its 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 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.

Ratios

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Dividend & Buy Back

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Dividend Yield % 1.01
SBFC's Dividend Yield % is ranked lower than
88% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. SBFC: 1.01 )
Ranked among companies with meaningful Dividend Yield % only.
SBFC' s Dividend Yield % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.01
Current: 1.01
0
1.01
Dividend Payout Ratio 0.23
SBFC's Dividend Payout Ratio is ranked higher than
70% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. SBFC: 0.23 )
Ranked among companies with meaningful Dividend Payout Ratio only.
SBFC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.23
Current: 0.23
0
0.23
Forward Dividend Yield % 1.01
SBFC's Forward Dividend Yield % is ranked lower than
90% of the 2240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. SBFC: 1.01 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.01
SBFC's 5-Year Yield-on-Cost % is ranked lower than
91% of the 2723 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. SBFC: 1.01 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SBFC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.01
Current: 1.01
0
1.01

Valuation & Return

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More Statistics

Revenue (TTM) (Mil) $76.42
EPS (TTM) $ 2.76
Short Percentage of Float0.00%
52-Week Range $32.55 - 67.00
Shares Outstanding (Mil)6.80

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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