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    Banks - Regional
Southeastern Banking Corporation

Southeastern Banking Corporation

SEBC
Southeastern Banking CorporationUS flagOther OTC
29.99
USD
- -
- -
95.36MMarket Cap
Southeastern Banking Corporation
SEBC
(Other OTC)

Recent

price

29.99

P/E

ratio

- -

div

yld

- -

ROIC.AI

2006
2007
2008
2009
2010
2011
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
7.25
7.61
6.7
6.25
5.33
5.12
5.59
5.71
6.69
6.5
6.57
6.93
8.11
9.37
9.51
9.63
9.8
Revenue per Share
2.04
2.19
1.12
0.23
-4.04
-1.6
1.24
0.93
2.19
2.12
1.81
2.38
2.88
3.36
3.37
3.11
3.17
Basic EPS, GAAP
2.21
2.48
1.4
1.29
1.54
2.31
1.85
2.25
2.07
2.64
2.18
2.58
3.25
3.69
4.3
3.22
- -
Free Cash Flow per Basic Share
1.04
1.04
0.88
0.3
0.13
- -
0.34
0.4
0.44
1.52
0.6
1.63
0.64
0.7
1.78
0.85
- -
Dividend per Share
18.23
19.86
20.52
20.59
16.58
15
- -
18.73
20.48
20.98
22.15
22.9
25.13
27.48
29.01
31.06
31.72
Book Value per Share
16.03
17.57
17.96
17.92
14.31
12.82
- -
16.15
17.64
18.93
20.68
20.88
18.94
22.16
23.61
26.97
27.59
Tangible Book Value per Share
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
Basic Weighted Avg Shares
23
24
21
20
17
16
18
18
21
20
21
22
26
30
30
31
31
Sales/Revenue/Turnover
41.35
42.56
22.91
1.12
-76.85
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
1
1
1
1
1
1
2
1
1
1
1
- -
Depreciation Expense
7
7
4
1
-13
-5
4
3
7
7
6
8
9
11
11
10
10
Net Income, GAAP
31.96
32.29
27.24
- -
- -
- -
29.21
58.08
19.32
20.07
19.8
20.64
21.4
21.23
21.36
22.02
21.5
Effective Tax Rate (%)
28.13
28.82
16.67
3.72
-75.7
-31.15
22.13
16.34
32.66
32.54
27.58
34.36
35.46
35.87
35.41
32.26
32.41
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
5
5
17
10
5
5
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
52
57
57
57
45
40
- -
51
55
60
65
66
60
70
75
86
88
Total Equity
11.45
11.57
5.12
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
11.51
11.49
5.51
1.13
-21.63
-10.1
16.5
9.97
11.15
10.23
8.42
10.57
11.98
12.77
11.94
10.38
10.39
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
77
83
91

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
44
73
69
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
6.09%
15.01%
Free Cash Flow
5.48%
10.05%
-24.62%
Net Income, GAAP
-2.26%
12.46%
-7.14%
Sales/Revenue/Turnover
6.91%
8.33%
1.92%
Total Cash Common Dividend
- -
44.58%
-51.84%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
8
7
7
7
30
2025
7
8
8
8
31
2026
8
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.89
- -
0.85
0.81
3.37
2025
0.79
- -
0.82
0.73
3.11
2026
0.86
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.78
2025
- -
- -
- -
- -
0.85
2026
- -
- -
- -
- -
- -
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Business
Southeastern Banking Corporation Southeastern Banking Corporation (SEBC), a bank holding company headquartered in Darien, Georgia, and founded in 1980, owns Southeastern Bank, a state-chartered community bank operating 10 full-service branches across southeast Georgia and northeast Florida, including locations in Waycross, Jesup, Brunswick, Kingsland, Saint Simons Island, and a loan production office in Hinesville. Through Southeastern Bank and subsidiary SBC Financial Services, Inc., the company provides a comprehensive range of commercial and retail banking products and services to individual, small- and medium-sized business, and corporate customers; these include checking, savings, money market, and time deposit accounts; commercial real estate loans, residential real estate mortgage loans, residential and commercial construction and development loans, agricultural production loans, other commercial, financial, and agricultural loans, business term loans, equipment loans, small business administration loans, home equity loans and lines of credit, consumer loans for autos, boats, recreational vehicles, and personal needs, as well as debit and credit cards; additionally, the company offers business cash management, overdraft protection, online and mobile banking, bill payment, e-statements, and insurance and annuity products via SBC Financial Services. The bank operates across four primary segments—commercial real estate, residential real estate mortgage, other commercial/financial/agricultural, and consumer—and competes with larger regional banks, community banks, thrifts, and credit unions in its markets while serving rural communities through ongoing initiatives such as annual contributions to the Georgia HEART Hospital Program, including a $100,000 donation in 2025 for southeast Georgia rural health care. Recent developments include reporting record full-year 2024 results with net income of approximately $10 million and declaring a quarterly cash dividend of $0.21 per share, reflecting sustained earnings growth of 13.2% annually over the past five years and a focus on balance sheet optimization amid stable operations without notable acquisitions, partnerships, or structural changes in 2024 or 2025.