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Southeastern Banking Corporation SEBC

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Price alert · SEBC

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32.75 USD 0.00 0.00%

At close · Oct 30

32.75 Day range 32.75
23.75 52-week range 32.75
YTD
+26.01%
1 year
+35.33%
Open
32.75
Prev close
32.75
Mkt cap
104.14M
Vol
201
Avg vol
510
EPS
3.23
P/E
10.14
More statistics
Low
32.75
High
32.75

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Financial health

Altman Z-Score

-0.55 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 4
  • P/B 3

Valuation

P/E 8.4×
FY 2016: 10.7×FY 2017: 21.2×FY 2018: 8.0×FY 2019: 9.9×FY 2020: 9.9×FY 2021: 9.5×FY 2022: 7.6×FY 2023: 5.7×FY 2024: 8.1×FY 2025: 8.4×
FY 2016 5y median 8.1× FY 2025
P/S 2.3×
FY 2016: 2.3×FY 2017: 3.3×FY 2018: 2.5×FY 2019: 3.1×FY 2020: 2.7×FY 2021: 3.2×FY 2022: 2.7×FY 2023: 1.9×FY 2024: 2.6×FY 2025: 2.3×
FY 2016 5y median 2.6× FY 2025
P/B 1.0×
FY 2016: 0.8×FY 2017: 1.2×FY 2018: 1.0×FY 2019: 1.1×FY 2020: 0.9×FY 2021: 1.1×FY 2022: 1.2×FY 2023: 0.9×FY 2024: 1.2×FY 2025: 1.0×
FY 2016 5y median 1.1× FY 2025
P/FCF 10.4×
FY 2016: 7.7×FY 2017: 13.5×FY 2018: 16.5×FY 2019: 8.2×FY 2020: 8.4×FY 2021: 15.3×FY 2022: 6.9×FY 2023: 5.7×FY 2024: 7.4×FY 2025: 10.4×
FY 2016 5y median 7.4× FY 2025
EV/EBITDA 6.1×
FY 2016: -5.3×FY 2017: -2.0×FY 2018: 0.9×FY 2019: -0.7×FY 2020: -8.0×FY 2021: -7.9×FY 2022: -3.9×FY 2023: -0.2×FY 2024: 1.8×FY 2025: 6.1×
FY 2016 5y median -0.2× FY 2025
EV/Sales 2.2×
FY 2016: -1.9×FY 2017: -0.9×FY 2018: 0.4×FY 2019: -0.3×FY 2020: -3.2×FY 2021: -3.9×FY 2022: -1.9×FY 2023: -0.1×FY 2024: 0.8×FY 2025: 2.2×
FY 2016 5y median -0.1× FY 2025
FCF Yield 9.6%
FY 2016: 13.0%FY 2017: 7.4%FY 2018: 6.1%FY 2019: 12.1%FY 2020: 12.0%FY 2021: 6.5%FY 2022: 14.5%FY 2023: 17.7%FY 2024: 13.4%FY 2025: 9.6%
FY 2016 5y median 13.4% FY 2025

Profitability

Gross Margin 84.3%
FY 2016: 96.5%FY 2017: 96.3%FY 2018: 96.5%FY 2019: 95.4%FY 2020: 96.9%FY 2021: 98.2%FY 2022: 98.4%FY 2023: 94.9%FY 2024: 89.2%FY 2025: 84.3%
FY 2016 5y median 94.9% FY 2025
Operating Margin 35.9%
FY 2016: 30.1%FY 2017: 37.6%FY 2018: 39.1%FY 2019: 38.8%FY 2020: 33.3%FY 2021: 42.5%FY 2022: 44.4%FY 2023: 43.2%FY 2024: 40.2%FY 2025: 35.9%
FY 2016 5y median 42.5% FY 2025
Net Margin 28.0%
FY 2016: 21.3%FY 2017: 15.7%FY 2018: 31.5%FY 2019: 31.0%FY 2020: 26.7%FY 2021: 33.8%FY 2022: 34.9%FY 2023: 34.0%FY 2024: 31.6%FY 2025: 28.0%
FY 2016 5y median 33.8% FY 2025
ROE 11.5%
FY 2016: 7.9%FY 2017: 5.8%FY 2018: 12.4%FY 2019: 11.2%FY 2020: 8.8%FY 2021: 11.4%FY 2022: 15.2%FY 2023: 15.2%FY 2024: 14.3%FY 2025: 11.5%
FY 2016 5y median 14.3% FY 2025
ROIC 11.1%
FY 2016: 1.2%FY 2017: 5.6%FY 2018: 12.1%FY 2019: 10.9%FY 2020: 8.6%FY 2021: 11.2%FY 2022: 14.8%FY 2023: 14.5%FY 2024: 13.4%FY 2025: 11.1%
FY 2016 5y median 13.4% FY 2025
ROA 1.6%
FY 2016: 0.9%FY 2017: 0.7%FY 2018: 1.6%FY 2019: 1.4%FY 2020: 1.1%FY 2021: 1.2%FY 2022: 1.3%FY 2023: 1.7%FY 2024: 1.8%FY 2025: 1.6%
FY 2016 5y median 1.6% FY 2025

Growth (YoY)

Revenue 4.8%
FY 2016: 13.6%FY 2017: 2.3%FY 2018: 16.9%FY 2019: -1.2%FY 2020: -0.3%FY 2021: 4.0%FY 2022: 16.9%FY 2023: 19.8%FY 2024: 8.2%FY 2025: 4.8%
FY 2016 FY 2025
Operating Income -6.4%
FY 2016: 39.7%FY 2017: 27.4%FY 2018: 21.7%FY 2019: -1.8%FY 2020: -14.4%FY 2021: 32.7%FY 2022: 22.0%FY 2023: 16.6%FY 2024: 0.6%FY 2025: -6.4%
FY 2016 FY 2025
EPS (diluted) -7.7%
FY 2016: 45.9%FY 2017: -25.0%FY 2018: 134.4%FY 2019: -2.8%FY 2020: -14.6%FY 2021: 31.5%FY 2022: 21.0%FY 2023: 16.7%FY 2024: 0.3%FY 2025: -7.7%
FY 2016 FY 2025
Free Cash Flow -32.3%
FY 2016: 47.2%FY 2017: -15.2%FY 2018: -27.2%FY 2019: 141.0%FY 2020: -15.3%FY 2021: -31.1%FY 2022: 115.4%FY 2023: 5.1%FY 2024: 10.4%FY 2025: -32.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 1.1×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.0×
FY 2016: 1.1×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -0.5×
FY 2016: -11.7×FY 2017: -9.8×FY 2018: -4.8×FY 2019: -7.6×FY 2020: -14.6×FY 2021: -14.4×FY 2022: -9.3×FY 2023: -4.3×FY 2024: -4.2×FY 2025: -0.5×
FY 2016 5y median -4.3× FY 2025
Interest Coverage 2.7×
FY 2016: 8.5×FY 2017: 10.3×FY 2018: 11.3×FY 2019: 8.4×FY 2020: 10.8×FY 2021: 24.2×FY 2022: 27.6×FY 2023: 8.4×FY 2024: 3.7×FY 2025: 2.7×
FY 2016 5y median 8.4× FY 2025

Dividends

Dividend Yield 3.3%
FY 2016: 2.6%FY 2017: 2.0%FY 2018: 2.5%FY 2019: 7.2%FY 2020: 3.3%FY 2021: 7.2%FY 2022: 2.9%FY 2023: 3.7%FY 2024: 6.5%FY 2025: 3.3%
FY 2016 5y median 3.7% FY 2025
Payout Ratio 27.4%
FY 2016: 27.5%FY 2017: 42.8%FY 2018: 20.1%FY 2019: 71.9%FY 2020: 33.1%FY 2021: 68.5%FY 2022: 22.2%FY 2023: 20.8%FY 2024: 52.8%FY 2025: 27.4%
FY 2016 5y median 27.4% FY 2025

Annual · latest fiscal year ends 2025-12-31