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South Atlantic BancsharesSABK -0.91%70 Debt-to-Equity is 0.97 as of Jun. 2026, which is 17% below its 10-year median of 1.17. GuruFocus rates SABK with a GF Score™ of 70/100 and a GF Value™ of $19.78 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,422 Banks companies, South Atlantic Bancshares ranks worse than 66.53% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for South Atlantic Bancshares's Debt-to-Equity or its related term are showing as below:
SABK'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.06 Med: 1.17 Max: 2.07
Current: 0.97
During the past 13 years, the highest Debt-to-Equity Ratio of South Atlantic Bancshares was 2.07. The lowest was 0.06. And the median was 1.17.
SABK's Debt-to-Equity is ranked worse than 66.53% of 1422
companies
in the Banks industry
Industry Median: 0.575
vs SABK: 0.97
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
South Atlantic Bancshares Debt-to-Equity Related Terms
South Atlantic Bancshares Debt-to-Equity Historical Data
* 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.
SABK vs FNWD, RBKB, CSBB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, South Atlantic Bancshares's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, South Atlantic Bancshares's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where South Atlantic Bancshares's Debt-to-Equity falls into.
* 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 (SABK) has a Debt-to-Equity of 0.97 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on South Atlantic Bancshares and its competitors. This is 17% below median its historical median of 1.17. Over the past decade, South Atlantic Bancshares' Debt-to-Equity has ranged from 0.06 to 2.07. According to the industry distribution chart, South Atlantic Bancshares ranks #946 out of 1422 companies in the Banks industry, placing it in the top 66.5%.
Is South Atlantic Bancshares' Debt-to-Equity too high?
South Atlantic Bancshares' current Debt-to-Equity of 0.97 is 17% below median its 10-year median of 1.17. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 2.07. The Banks industry median Debt-to-Equity is 0.58. South Atlantic Bancshares' value of 0.97 is 68.7% above this industry median. Based on the distribution chart, South Atlantic Bancshares ranks #946 out of 1422 companies in the Banks industry, which is below the industry midpoint. Overall, South Atlantic Bancshares has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does South Atlantic Bancshares' Debt-to-Equity compare to FNWD and RBKB?
According to the Banks industry distribution chart, South Atlantic Bancshares ranks #946 out of 1422 companies for Debt-to-Equity. This places South Atlantic Bancshares in the lower half of its industry. The industry median Debt-to-Equity is 0.58. South Atlantic Bancshares' value of 0.97 is 68.7% above this benchmark. Historically, South Atlantic Bancshares' own Debt-to-Equity has ranged from 0.06 to 2.07 over the past decade. While the company's 10-year median is 1.17 vs. the industry median of 0.58, South Atlantic Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. South Atlantic Bancshares's current Debt-to-Equity of 0.97 is 68.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on South Atlantic Bancshares and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. South Atlantic Bancshares's current Debt-to-Equity is 0.97, which is 17% below median its own 10-year median of 1.17. 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 $19.78, compared to a current price of $24.50 — trading 23.9% above its estimated fair value. The current Debt-to-Equity is 0.97, which is 17% below median its 10-year median of 1.17 and 68.7% above the Banks industry median of 0.58. South Atlantic Bancshares' overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For South Atlantic Bancshares (SABK), the current Debt-to-Equity is 0.97 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 $24.50 is trading 23.9% above its estimated GF Value™ of $19.78.
GuruFocus considers South Atlantic Bancshares to be Modestly Overvalued.
Key valuation signals for SABK:
Debt-to-Equity: 0.97 (17% below median its 10-year median of 1.17)
GF Value™: $19.78 vs. price of $24.50 (23.9% above fair value)
Industry Position: 68.7% above the Banks median (#946 of 1422)
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 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.
70GF Score
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