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Southeastern BankingSEBC 68 PB Ratio is 1.11 as of Jul. 30, 2026, which is 16% above its 10-year median of 0.96. GuruFocus rates SEBC with a GF Score™ of 68/100 and a GF Value™ of $23.50 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,515 Banks companies, Southeastern Banking ranks better than 50.3% on this metric.
Southeastern Banking Corp stock PB Ratio (=1.09) is close to 3-year high of 1.17.
The historical rank and industry rank for Southeastern Banking's PB Ratio or its related term are showing as below:
SEBC'
s PB Ratio Range Over the Past 10 Years
Min: 0.81 Med: 0.96 Max: 1.24
Current: 1.11
During the past 13 years, Southeastern Banking's highest PB Ratio was 1.24. The lowest was 0.81. And the median was 0.96.
SEBC's PB Ratio is ranked better than 50.3% of 1515
companies
in the Banks industry
Industry Median: 1.11
vs SEBC: 1.11
During the past 12 months, Southeastern Banking's average Book Value Per Share Growth Rate was 12.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Southeastern Banking was 12.50% per year. The lowest was -23.60% per year. And the median was 4.05% per year.
Back to Basics: PB Ratio
Southeastern Banking (OTCPK:SEBC) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Southeastern Banking PB Ratio Related Terms
Southeastern Banking PB Ratio Historical Data
* Premium members only.
The historical data trend for Southeastern Banking's PB Ratio 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.
For the Banks - Regional subindustry, Southeastern Banking's PB Ratio, along with its competitors' market caps and PB Ratio 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 Banking PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Southeastern Banking's PB Ratio distribution charts can be found below:
* The bar in red indicates where Southeastern Banking's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Southeastern Banking (SEBC) has a PB Ratio of 1.11 as of Jul. 30, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Southeastern Banking and its competitors. This is 16% above median its historical median of 0.96. Over the past decade, Southeastern Banking's PB Ratio has ranged from 0.81 to 1.24. According to the industry distribution chart, Southeastern Banking ranks #753 out of 1515 companies in the Banks industry, placing it in the top 49.7%.
Is Southeastern Banking's PB Ratio too high?
Southeastern Banking's current PB Ratio of 1.11 is 16% above median its 10-year median of 0.96. Over the past 10 years, this metric has ranged from a low of 0.81 to a high of 1.24. The Banks industry median PB Ratio is 1.11. Southeastern Banking's value of 1.11 is 0% at this industry median. Based on the distribution chart, Southeastern Banking ranks #753 out of 1515 companies in the Banks industry, which is above the industry midpoint. Overall, Southeastern Banking has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southeastern Banking's PB Ratio compare to BSFO and BKSC?
According to the Banks industry distribution chart, Southeastern Banking ranks #753 out of 1515 companies for PB Ratio. This puts Southeastern Banking in the upper half of its industry. The industry median PB Ratio is 1.11. Southeastern Banking's value of 1.11 is 0% at this benchmark. Historically, Southeastern Banking's own PB Ratio has ranged from 0.81 to 1.24 over the past decade. While the company's 10-year median is 0.96 vs. the industry median of 1.11, Southeastern Banking has consistently been at 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southeastern Banking's current PB Ratio of 1.11 is 0% at 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Southeastern Banking and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southeastern Banking's current PB Ratio is 1.11, which is 16% above median its own 10-year median of 0.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southeastern Banking stock overvalued right now?
Based on GuruFocus' analysis, Southeastern Banking (SEBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $23.50, compared to a current price of $30.46 — trading 29.6% above its estimated fair value. The current PB Ratio is 1.11, which is 16% above median its 10-year median of 0.96 and 0% at the Banks industry median of 1.11. Southeastern Banking's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Southeastern Banking (SEBC), the current PB Ratio is 1.11 as of Jul. 30, 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 Southeastern Banking (SEBC) Overvalued in 2026?
Based on GuruFocus' analysis, Southeastern Banking stock appears to be overvalued.
The current stock price of $30.46 is trading 29.6% above its estimated GF Value™ of $23.50.
GuruFocus considers Southeastern Banking to be Modestly Overvalued.
Key valuation signals for SEBC:
PB Ratio: 1.11 (16% above median its 10-year median of 0.96)
GF Value™: $23.50 vs. price of $30.46 (29.6% above fair value)
Industry Position: 0% at the Banks median (#753 of 1515)
No single metric tells the full story. See the SEBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Southeastern Banking Corp is a financial services company with operations in southeast Georgia and northeast Florida. It offers a broad range of commercial and consumer banking products and services to customers located mainly in the local market areas. The segments used in the portfolio include commercial real estate, residential real estate - mortgage, other commercial, financial, agricultural, and consumer. Commercial real estate has been divided into three classes, including construction and development, owner-occupied, and non-owner-occupied credits.
68GF Score
Get the complete analysis for SEBC
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