Southeastern Banking Corporation Financial Ratios — SEBC

Profitability (USD)

	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	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
Return on Assets (%)	1.66	0.81	0.17	-2.98	-1.18	1.86	1.36	1.61	1.51	1.14	1.27	1.38	1.64	1.74	1.61
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	11.57	5.12	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	45.86	26.46	6.92	-70.91	6.48	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	42.56	22.91	1.12	-76.85	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	70.17	177.75	298.03	- -	-1,900.94	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	42.56	22.91	1.12	-76.85	-31.15	31.26	38.99	40.48	40.7	34.39	43.3	45.12	45.54	45.03	41.38
Profit Margin (%)	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
Net Income to Common Margin (%)	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
Effective Tax Rate (%)	32.29	27.24	- -	- -	- -	29.21	58.08	19.32	20.07	19.8	20.64	21.4	21.23	21.36	22.02
Dvd Payout Ratio (%)	47.26	78.32	129.11	-3.22	- -	27.48	42.83	20.13	71.93	33.1	68.46	22.25	20.83	52.76	27.37
Sustainable Growth Rate (%)	6.06	1.19	-0.33	-22.33	-10.1	11.96	5.7	8.91	2.87	5.63	3.33	9.31	10.11	5.64	7.54

Credit (USD)

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	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	6	19	11	6	5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
ST Debt	1	2	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	5	17	10	5	5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBITDA	0.51	3.37	7.87	-0.49	4.82	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-1.87	0.46	-21.77	6.16	-88.63	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	0.55	3.89	48.55	-0.45	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-2.01	0.53	-134.21	5.68	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	14.58	14.99	15.43	12.14	11.27	- -	13.6	15.27	14.33	12.85	11.24	11.78	14.02	15.22	15.81
Long-Term Debt/Equity (%)	8.81	29.73	17.68	11.16	12.46	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	7.21	20.19	13.2	8.67	9.63	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	1.15	3.91	2.37	1.17	1.2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	10.02	33.2	19.01	12.86	12.46	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	8.2	22.55	14.2	9.99	9.63	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	1.3	4.36	2.55	1.35	1.2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt to Equity	-36.79	4.54	-52.56	-162.83	-229.28	- -	-153.8	-83.71	-122.52	-193.09	-241.67	-200.58	-89.57	-82	-84.85
Net Debt/Capital (%)	-48.82	3.83	-84.31	347.08	204.19	- -	406.75	-258.68	1,048.39	224.49	183.06	295.51	-260.17	-200.7	-279.69
EBITDA	11	6	1	-12	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	11	5	1	-13	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	10	5	- -	-13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	14.58	14.99	15.43	12.14	11.27	- -	13.6	15.27	14.33	12.85	11.24	11.78	14.02	15.22	15.81
Long-Term Debt/Equity (%)	8.81	29.73	17.68	11.16	12.46	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	7.21	20.19	13.2	8.67	9.63	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	1.15	3.91	2.37	1.17	1.2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	10.02	33.2	19.01	12.86	12.46	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	8.2	22.55	14.2	9.99	9.63	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	1.3	4.36	2.55	1.35	1.2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Total Liabilities	2.09	1.4	1.14	1.56	1.92	- -	1.85	1.77	2.07	1.43	1.41	1.67	2.12	2.57	1.9
CFO/CapEx	- -	6.22	36.7	5.21	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	0.45	0.35	0.29	0.14	0.2	- -	0.31	0.34	0.33	0.28	0.26	0.26	0.3	0.35	0.35

Working Capital (USD)

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	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

- -

Raw Materials

- -

Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

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	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	78	41	27	28	15	41	62	55	66	57	72	69	60	87	83
- Cash & Cash Equivalents	27	16	40	79	97	- -	78	46	73	126	159	120	63	61	73
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	6	19	11	6	5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	58	44	-3	-45	-77	41	-16	9	-7	-69	-87	-51	-3	26	10
Total Capital	69	84	76	58	52	- -	59	64	66	70	72	79	87	92	99
Total Debt/Capital (%)	8.2	22.55	14.2	9.99	9.63	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt / EV	0.1	0.43	-4.15	-0.13	-0.06	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	2.36	2.06	- -	- -	- -	2.37	- -	0.41	- -	- -	- -	2.56	- -	0.86	0.32
EV/EBITDA	5.15	7.79	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	5.55	9	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	7.25	8.3	- -	- -	- -	7.16	- -	1.32	- -	- -	- -	- -	- -	1.89	0.97
EV/Free Cash Flow to Firm	7.25	7.15	- -	- -	- -	7.16	- -	1.32	- -	- -	- -	- -	- -	1.89	0.97
Diluted Market Cap	78	41	27	28	15	41	62	55	66	57	72	69	60	87	83
Diluted Enterprise Value	58	44	-3	-45	-77	41	-16	9	-7	-69	-87	-51	-3	26	10
EV per Share	17.98	13.82	- -	- -	- -	13.25	- -	2.73	- -	- -	- -	20.77	- -	8.14	3.11
TTM Sales	24	21	20	17	16	18	18	21	20	21	22	26	30	30	31
TTM EBITDA	11	6	1	-12	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	10	5	- -	-13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	8	5	4	6	7	6	7	6	8	7	8	10	12	14	10
TTM Free Cash Flow to Firm	8	6	4	7	7	6	7	6	8	7	8	10	12	14	10

Multiples (USD)

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	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	9.87	6.73	6.33	3.96	2.05	7.16	8.78	8.5	7.94	8.27	8.81	6.76	5.15	6.39	8.07
EV/EBIT	5.55	9	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	58	44	-3	-45	-77	41	-16	9	-7	-69	-87	-51	-3	26	10
Low Price	24.1	12.9	8.25	6.75	4.2	10.35	13.25	17.5	17.5	16.5	18	20.51	16.5	17.25	22.06
EV/Sales	2.36	2.06	- -	- -	- -	2.37	- -	0.41	- -	- -	- -	2.56	- -	0.86	0.32
EV/EBITDA	5.15	7.79	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	11.17	11.64	36.97	- -	- -	10.71	21.15	8.01	9.92	9.93	9.53	7.63	5.65	8.16	8.37
Price/Earnings Average	12.6	17	51.23	-2.36	-3.9	9.21	17.96	9.28	9.51	10.02	8.63	7.72	5.87	6.1	7.71
Price/Earnings High	13.67	20.72	68.78	-2.73	-5.64	10.77	21.2	9.72	11.29	11.72	10.25	8.06	6.99	8.16	8.85
Price/Earnings Low	10.98	11.55	35.47	-1.67	-2.63	8.36	14.19	8.01	8.27	9.1	7.56	7.13	4.91	5.12	7.1
Price/Book Value	1.23	0.63	0.42	0.54	0.32	- -	1.05	0.85	1	0.81	0.99	0.87	0.69	0.95	0.84
Price/Book Value Average	1.39	0.93	0.58	0.58	0.42	- -	0.9	0.99	0.96	0.82	0.9	0.88	0.72	0.71	0.77
Price/Book Value High	1.51	1.13	0.78	0.66	0.6	- -	1.06	1.04	1.14	0.96	1.07	0.92	0.86	0.95	0.89
Price/Book Value Low	1.21	0.63	0.4	0.41	0.28	- -	0.71	0.85	0.83	0.75	0.79	0.82	0.6	0.59	0.71
Price/Tangible Book Value	1.39	0.72	0.48	0.63	0.37	- -	1.22	0.99	1.11	0.87	1.09	1.16	0.86	1.16	0.96
Price/Tangible Book Value Average	1.57	1.06	0.66	0.67	0.49	- -	1.04	1.15	1.06	0.88	0.98	1.17	0.89	0.87	0.89
Price/Tangible Book Value High	1.71	1.29	0.89	0.77	0.7	- -	1.23	1.2	1.26	1.03	1.17	1.22	1.06	1.16	1.02
Price/Tangible Book Value Low	1.37	0.72	0.46	0.47	0.33	- -	0.82	0.99	0.92	0.8	0.86	1.08	0.74	0.73	0.82
Price/Sales	3.22	1.94	1.38	1.69	0.93	2.37	3.46	2.61	3.23	2.74	3.28	2.71	2.03	2.89	2.7
Price/Sales Average	3.63	2.83	1.91	1.79	1.22	2.04	2.94	3.03	3.1	2.76	2.97	2.74	2.1	2.16	2.49
Price/Sales High	3.94	3.45	2.56	2.06	1.76	2.38	3.47	3.17	3.67	3.23	3.52	2.86	2.51	2.89	2.86
Price/Sales Low	3.17	1.92	1.32	1.27	0.82	1.85	2.32	2.61	2.69	2.51	2.6	2.53	1.76	1.81	2.29
Price/Cash Flow	9.87	7.81	6.5	4.71	2.05	7.16	8.76	8.47	7.94	8.27	8.81	6.76	5.15	6.39	8.07
Price/Cash Flow Average	11.14	11.42	9.01	5	2.69	6.15	7.44	9.82	7.61	8.35	7.98	6.83	5.35	4.78	7.44
Price/Cash Flow High	12.09	13.91	12.1	5.77	3.89	7.2	8.78	10.29	9.04	9.77	9.47	7.14	6.37	6.39	8.54
Price/Cash Flow Low	9.71	7.75	6.24	3.54	1.82	5.59	5.88	8.47	6.62	7.58	6.98	6.31	4.48	4.01	6.85
Price/Free Cash Flow Average	11.14	9.84	8.78	4.19	2.69	6.15	7.46	9.85	7.61	8.35	7.98	6.83	5.35	4.78	7.44
Price/Free Cash Flow High	12.09	11.99	11.78	4.84	3.89	7.2	8.81	10.32	9.04	9.77	9.47	7.14	6.37	6.39	8.54
Price/Free Cash Flow Low	9.71	6.68	6.07	2.97	1.82	5.59	5.89	8.5	6.62	7.58	6.98	6.31	4.48	4.01	6.85
EV/Sales Average	2.78	2.96	0.4	- -	- -	2.04	- -	0.82	- -	- -	- -	2.55	- -	0.12	0.11
EV/Sales High	3.08	3.57	1.05	- -	- -	2.38	- -	0.97	0.11	- -	- -	2.86	0.39	0.86	0.48
EV/Sales Low	2.31	2.05	- -	- -	- -	1.85	- -	0.41	- -	- -	- -	2.53	- -	- -	- -
EV/EBITDA Average	6.05	11.17	5.77	3.64	-69.85	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	6.73	13.51	15.2	3.25	-61.5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	5.04	7.73	-2.7	4.37	-75.97	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	6.52	12.9	35.58	3.35	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	7.25	15.61	93.74	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	5.43	8.93	-16.68	4.04	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	24.5	13	8.6	9	4.75	13.25	19.75	17.5	21	18	22.7	21.95	19	27.5	25.99
High Price	30	23.15	16	11.01	9	13.33	19.8	21.25	23.9	21.25	24.4	23.2	23.5	27.5	27.5
Enterprise Value Average	68	63	8	-43	-73	36	-25	17	-10	-69	-94	-50	- -	4	3
Enterprise Value High	75	76	21	-38	-64	42	-16	20	2	-59	-82	-47	12	26	15
Enterprise Value Low	56	44	-4	-52	-79	32	-36	9	-18	-74	-102	-55	-11	-7	-3

Shares Outstanding	3	3	3	3	3	- -	3	3	3	3	3	3	3	3	3
Diluted Weighted Avg Shares	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3
Basic Weighted Avg Shares	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3
Revenue per Share	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
EBITDA per Share	3.49	1.77	0.43	-3.78	0.33	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	3.24	1.54	0.07	-4.1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	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
Basic EPS from Cont Ops	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
Diluted EPS, GAAP	2.19	1.12	0.23	-4.04	-1.6	1.24	0.93	2.18	2.12	1.81	2.38	2.88	3.36	3.37	3.11
Diluted EPS from Cont Ops	2.19	1.12	0.23	-4.04	-1.6	1.24	0.93	2.18	2.12	1.81	2.38	2.88	3.36	3.37	3.11
Dividend per Share	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
Cash Flow per Share	2.48	1.66	1.32	1.91	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	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
Cash & Equivalents per Share	8.29	5.16	12.83	25.14	31	- -	24.84	14.77	23.19	39.93	50.46	37.99	19.85	19.36	22.88
Book Value per Share	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
Tangible Book Value per Share	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

Southeastern Banking Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)