SABK (South Atlantic Bancshares) Debt-to-Asset : 0.07 (As of Jun. 2026)

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SABK South Atlantic Bancshares Inc SABK
69 GF Score
Price $25.83
GF Value $19.97
Valuation Modestly Overvalued
! 7 Warning Signs
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What is South Atlantic Bancshares Debt-to-Asset?

South Atlantic Bancshares SABK 69 Debt-to-Asset is 0.07 as of Jun. 2026. GuruFocus rates SABK with a GF Score™ of 69/100 and a GF Value™ of $19.97 (Modestly Overvalued). The stock has 7 warning signs investors should review.

South Atlantic Bancshares's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $0.00 Mil. South Atlantic Bancshares's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $139.00 Mil. South Atlantic Bancshares's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was $1,982.57 Mil. South Atlantic Bancshares's debt to asset for the quarter that ended in Jun. 2026 was 0.07.

South Atlantic Bancshares  (OTCPK:SABK) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

South Atlantic Bancshares Debt-to-Asset Related Terms

South Atlantic Bancshares Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for South Atlantic Bancshares's Debt-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

South Atlantic Bancshares Debt-to-Asset Chart

South Atlantic Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.03 0.07 0.13 0.11 0.11

South Atlantic Bancshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.06 0.08 0.11 0.09 0.07

SABK vs CBFV, BMBN, TYFG: Debt-to-Asset Comparison

For the Banks - Regional subindustry, South Atlantic Bancshares's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

South Atlantic Bancshares Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, South Atlantic Bancshares's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where South Atlantic Bancshares's Debt-to-Asset falls into.


SABK
69GF Score
South Atlantic Bancshares Inc SABK
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

South Atlantic Bancshares Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

South Atlantic Bancshares's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 218.235) / 1919.636
=0.11

South Atlantic Bancshares's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 139) / 1982.571
=0.07

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.07 mean?
South Atlantic Bancshares (SABK) has a Debt-to-Asset of 0.07 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on South Atlantic Bancshares and its competitors.
Is South Atlantic Bancshares' Debt-to-Asset too high?
South Atlantic Bancshares' current Debt-to-Asset is 0.07. Overall, South Atlantic Bancshares has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does South Atlantic Bancshares' Debt-to-Asset compare to CBFV and BMBN?
South Atlantic Bancshares' Debt-to-Asset of 0.07 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on South Atlantic Bancshares and its competitors. South Atlantic Bancshares's current Debt-to-Asset is 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is South Atlantic Bancshares stock overvalued right now?
Based on GuruFocus' analysis, South Atlantic Bancshares (SABK) is currently considered Modestly Overvalued. The stock's GF Value™ is $19.97, compared to a current price of $25.83 — trading 29.3% above its estimated fair value. The current Debt-to-Asset is 0.07. South Atlantic Bancshares' overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For South Atlantic Bancshares (SABK), the current Debt-to-Asset is 0.07 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is South Atlantic Bancshares (SABK) Overvalued in 2026?

Based on GuruFocus' analysis, South Atlantic Bancshares stock appears to be overvalued. The current stock price of $25.83 is trading 29.3% above its estimated GF Value™ of $19.97. GuruFocus considers South Atlantic Bancshares to be Modestly Overvalued.

Key valuation signals for SABK:

  • Debt-to-Asset: 0.07
  • GF Value™: $19.97 vs. price of $25.83 (29.3% above fair value)
  • GF Score™: 69/100 with 7 warning signs

No single metric tells the full story. See the SABK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

South Atlantic Bancshares Business Description

Address 630 29th Avenue North, Myrtle Beach, SC, USA, 29577
South Atlantic Bancshares Inc is A United States-based bank holding company. Through its banking subsidiary, it provides banking services to domestic markets, principally in Horry, Georgetown, Charleston, and Beaufort counties, South Carolina. Its financial products and service offerings include personal and business checking, savings, and money market accounts; residential mortgages, commercial loans, lines of credit; telephone and online banking, ATM services; and debit and credit cards, among others.
69GF Score

Get the complete analysis for SABK

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.83
Price
$19.97
GF Value