SABK (South Atlantic Bancshares) LT-Debt-to-Total-Asset: 0.09 (As of Mar. 2026)

What is South Atlantic Bancshares LT-Debt-to-Total-Asset?

South Atlantic Bancshares SABK +0.67% 64 LT-Debt-to-Total-Asset is 0.09 as of Mar. 2026. GuruFocus rates SABK with a GF Score™ of 64/100 and a GF Value™ of $19.38 (Significantly Overvalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. South Atlantic Bancshares's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.09.

South Atlantic Bancshares's long-term debt to total assets ratio increased from Mar. 2025 (0.09) to Mar. 2026 (0.09). It may suggest that South Atlantic Bancshares is progressively becoming more dependent on debt to grow their business.

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

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

South Atlantic Bancshares LT-Debt-to-Total-Asset Related Terms

South Atlantic Bancshares LT-Debt-to-Total-Asset Historical Data

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The historical data trend for South Atlantic Bancshares's LT-Debt-to-Total-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 LT-Debt-to-Total-Asset Chart

South Atlantic Bancshares Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.03

0.07

0.13

0.11

South Atlantic Bancshares Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.09	0.06	0.08	0.11	0.09

64GF Score

South Atlantic Bancshares Inc SABK

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South Atlantic Bancshares LT-Debt-to-Total-Asset Calculation

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

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	218.235	/	1919.636
	=	0.11

South Atlantic Bancshares's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	177	/	1932.222
	=	0.09

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.09 mean?

South Atlantic Bancshares (SABK) has a LT-Debt-to-Total-Asset of 0.09 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on South Atlantic Bancshares and its competitors.

Is South Atlantic Bancshares' LT-Debt-to-Total-Asset too high?

South Atlantic Bancshares' current LT-Debt-to-Total-Asset is 0.09. Overall, South Atlantic Bancshares has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does South Atlantic Bancshares' LT-Debt-to-Total-Asset compare to RBKB and CSBB?

South Atlantic Bancshares' LT-Debt-to-Total-Asset of 0.09 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on South Atlantic Bancshares and its competitors. South Atlantic Bancshares's current LT-Debt-to-Total-Asset is 0.09. 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 Significantly Overvalued. The stock's GF Value™ is $19.38, compared to a current price of $25.67 — trading 32.5% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.09. South Atlantic Bancshares' overall GF Score™ is 64/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For South Atlantic Bancshares (SABK), the current LT-Debt-to-Total-Asset is 0.09 as of Mar. 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 $25.67 is trading 32.5% above its estimated GF Value™ of $19.38. GuruFocus considers South Atlantic Bancshares to be Significantly Overvalued.

Key valuation signals for SABK:

LT-Debt-to-Total-Asset: 0.09
GF Value™: $19.38 vs. price of $25.67 (32.5% above fair value)
GF Score™: 64/100 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

Industry Financial Services Banks

Comparable Companies RBKB CSBB CBFV FXLG LARK EBMT OAKC BVFL KISB LYBC SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 630 29th Avenue North, Myrtle Beach, SC, USA, 29577

Website https://www.southatlantic.bank

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.

64GF Score

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$25.67

Price

$19.38

GF Value

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