Southeastern Bank Financial (Southeastern Bank Financial) Debt-to-Equity : 0.58 (As of Sep. 2016)

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What is Southeastern Bank Financial Debt-to-Equity?

Southeastern Bank Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2016 was $0.00 Mil. Southeastern Bank Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2016 was $110.00 Mil. Southeastern Bank Financial's Total Stockholders Equity for the quarter that ended in Sep. 2016 was $188.60 Mil. Southeastern Bank Financial's debt to equity for the quarter that ended in Sep. 2016 was 0.58.

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 Southeastern Bank Financial's Debt-to-Equity or its related term are showing as below:

SBFC's Debt-to-Equity is not ranked ^*
in the Banks industry.
Industry Median: 0.68
* Ranked among companies with meaningful Debt-to-Equity only.

Southeastern Bank Financial Debt-to-Equity Historical Data

The historical data trend for Southeastern Bank Financial's Debt-to-Equity 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.

* Premium members only.

Southeastern Bank Financial Debt-to-Equity Chart

Southeastern Bank Financial Annual Data

Trend

Dec06

Dec07

Dec08

Dec09

Dec10

Dec11

Dec12

Dec13

Dec14

Dec15

Debt-to-Equity

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0.53

0.63

0.65

0.54

0.62

Southeastern Bank Financial Quarterly Data
	Dec11	Mar12	Jun12	Sep12	Dec12	Mar13	Jun13	Sep13	Dec13	Mar14	Jun14	Sep14	Dec14	Mar15	Jun15	Sep15	Dec15	Mar16	Jun16	Sep16
Debt-to-Equity	Get a 7-Day Free Trial															0.51	0.62	0.62	0.59	0.58

Competitive Comparison of Southeastern Bank Financial's Debt-to-Equity

For the Banks - Regional subindustry, Southeastern Bank Financial'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.

Southeastern Bank Financial's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Southeastern Bank Financial's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Southeastern Bank Financial's Debt-to-Equity falls into.

Southeastern Bank Financial Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Southeastern Bank Financial's Debt to Equity Ratio for the fiscal year that ended in Dec. 2015 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	105)	/	169.913
	=	0.62

Southeastern Bank Financial's Debt to Equity Ratio for the quarter that ended in Sep. 2016 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	110)	/	188.599
	=	0.58

Southeastern Bank Financial (OTCPK:SBFC) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

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.

Southeastern Bank Financial Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of Southeastern Bank Financial's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

Southeastern Bank Financial (Southeastern Bank Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Southeastern Bank Financial Corp (OTCPK:SBFC) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

Website

https://www.georgiabankandtrust.com

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.

Executives

Darrell R Rains

officer: Chief Financial Officer

P.O. BOX 15367, AUGUSTA GA 30909