Southeastern Banking Corp (SEBC) fair value: what the stock is really worth
As of Oct 28, 2026: fair value (intrinsic value) of Southeastern Banking Corp stock $25.74, price $32.75, that is 21.4% below the price, quality 50 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with oneYes, for free
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range $5.95 – $32.75 · fair‑value band $23.29 – $30.83 · the $32.75 price screens above the $25.74 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 5, 2026.
Follow Southeastern Banking in your weekly email
Every Wednesday you see whether Southeastern Banking is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Southeastern Banking Corporation operates as a bank holding company for Southeastern Bank that provides commercial and consumer banking products and services in the United States.
Show moreShow less
It offers checking, savings, money market accounts, and certificates of deposit, as well as individual retirement accounts.
The company also provides home equity, construction, auto, personal, boat and recreational vehicle, business term, real estate, equipment, and SBA loans; mortgages; and operating lines of credit.
In addition, it offers business cash management and overdraft protection services, as well as online and mobile banking, bill payment, and e-statement services. Additionally, the company provides debit and credit cards; and lost or stolen debit/credit cards services.
Southeastern Banking Corporation was founded in 1888 and is based in Darien, Georgia.
Stock analysis
Southeastern Banking Corp (SEBC) currently trades at $32.75, while our model-based Fair Value estimate is $25.74, 21% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $34.23 per share, and 1 of the 6 models we run sit above the $32.75 price.
Bear case: the Dividend Discount group reads lowest at $9.64, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $23.29 (bear) to $30.83 (bull), the price of $32.75 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 50/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Southeastern Banking Corp reported revenue of $35.3M in FY2025 versus $22.2M in FY2021, a compound +12.2%/yr. Reported net income was $9.9M in FY2025, compounding +7.1%/yr from FY2021.
Key figures
Market cap $104M Micro · P/E ratio 10.1 · P/S ratio 3.41 · EPS (TTM) $3.23 · Dividend yield 2.7% · Net margin 33.7% · Return on equity 12.1% · Return on assets (EBIT) 1.9% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 42% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −21%, SEBC screens cheaper than that median.
Fair Value models
Bear$23.29Fair Value $25.74Bull$30.83
Price $32.75 · Downside -21.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.00 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.84/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+4.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.5%
Start year 2020 (pandemic). Over 10 years: +8.2% a year
Revenue growth 30 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.0%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+10.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.0%
Dividend (yield on the price)2.7%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.8.0% vs 9.7%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.33% → 36%
Compare Southeastern Banking Corp with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1000 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside−21.4% · Below median
Profitability
Return on equity (12 months)12.1% · Above median
Return on assets1.6% · Top 25%
Net margin (12 months)33.7% · Above median
Operating margin (12 months)42.2% · Above median
Growth and dividend
Revenue growth (quarter YoY)5.5% · Below median
Dividend yield (12 months)2.7% · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)10.1× · Cheaper than median
P/B1.21× · Pricier than median
P/S (12 months)3.41× · Pricier than median
Price / free cash flow (fiscal year)13.2× · Pricier than median
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Southeastern Banking Corp (SEBC) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of $25.74 versus the last price from Oct 28, 2026 of $32.75, about 21% lower (overvalued).
What is the fair value of SEBC?
Our model-based fair value for Southeastern Banking Corp is $25.74 (as of Nov 5, 2026), built from audited fundamentals. Last price (from Oct 28, 2026): $32.75.
What is the quality score of SEBC?
Southeastern Banking Corp has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Southeastern Banking Corp (SEBC)?
Our model-based price target is the fair value of $25.74 (as of Nov 5, 2026) from 6 valuation models. Cautious scenario $23.29, optimistic scenario $30.83. It is a calculation from audited fundamentals, not an analyst target.
What is the Southeastern Banking Corp stock forecast for 2026?
Our models put fair value at $25.74, about 21% lower versus the last price from Oct 28, 2026 of $32.75 (overvalued). Cautious scenario $23.29, optimistic scenario $30.83. The calculation is refreshed regularly with new filings.
What is the revenue of Southeastern Banking Corp (SEBC)?
Southeastern Banking Corp reported trailing-twelve-month revenue of about $30.5M (latest available figure, as of Nov 5, 2026).
Does Southeastern Banking Corp pay a dividend?
Southeastern Banking Corp currently shows a dividend yield of 2.72% relative to its recent price (as of Nov 5, 2026).
What is the intrinsic value of Southeastern Banking Corp (SEBC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Southeastern Banking Corp it is $25.74 per share (as of Nov 5, 2026), against a price of $32.75. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Southeastern Banking Corp stock overvalued or undervalued in 2026?
As of Nov 5, 2026, SEBC trades above its calculated fair value: price $32.75, fair value $25.74, a gap of about −21% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SEBC?
No. The price is what the market pays today ($32.75); the fair value is what the company's own numbers justify ($25.74). For Southeastern Banking Corp the two are $7.01 per share apart. That gap is exactly why we show both numbers side by side.
How much is Southeastern Banking Corp worth?
The market values Southeastern Banking Corp at about $104M (market capitalisation, as of Nov 5, 2026). Per share that is $32.75; our models calculate a fair value of $25.74 per share.
What do the bullish and bearish scenarios say about SEBC?
Our models span a range for Southeastern Banking Corp: cautious scenario $23.29, base $25.74, optimistic $30.83 per share (as of Nov 5, 2026, price $32.75). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SEBC?
Southeastern Banking Corp trades at a price-to-earnings ratio of 10.1 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $25.74 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 8.9. Other multiples: P/B 1.2, P/S 3.4, EV/EBITDA 7.7.
How solid is the balance sheet of Southeastern Banking Corp (SEBC)?
Balance-sheet figures for Southeastern Banking Corp (as of Nov 5, 2026): return on equity 12.1%. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is SEBC from its 52-week high?
Southeastern Banking Corp trades at $32.75, at its 52-week high of $32.75 and 42% above the low of $23.04 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $25.74 is for.
Which stocks are comparable to Southeastern Banking Corp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Southeastern Banking Corp stock attractive at the current price?
The data as of Nov 5, 2026: price $32.75, calculated fair value $25.74 (−21%), Quality Score 50/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SEBC calculated?
We run Southeastern Banking Corp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $25.74 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 12.7% above its aggregate fair value. Southeastern Banking Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Southeastern Banking Corp (SEBC)?
The latest price we hold is from Oct 28, 2026 and stands at $32.75. Our model-based fair value is $25.74, about 21% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Southeastern Banking Corp right now?
The price sits above even our optimistic bull case ($30.83). The favourable scenario is already priced in. Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Southeastern Banking Corp
How large is the market capitalisation of Southeastern Banking Corp (SEBC)?
The market capitalisation of Southeastern Banking Corp is $104M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Southeastern Banking Corp (SEBC)?
The price-to-sales ratio of Southeastern Banking Corp is 3.41 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Southeastern Banking Corp (SEBC)?
Earnings per share at Southeastern Banking Corp are $3.23 (price ÷ EPS = P/E 10.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Southeastern Banking Corp (SEBC)?
The dividend yield of Southeastern Banking Corp is 2.7% (payout 27.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Southeastern Banking Corp (SEBC)?
The net margin of Southeastern Banking Corp is 33.7% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Southeastern Banking Corp (SEBC)?
The return on equity (ROE) of Southeastern Banking Corp is 12.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Southeastern Banking Corp (SEBC)?
On an EBIT basis the return on assets of Southeastern Banking Corp is 1.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Southeastern Banking Corp (SEBC)?
The operating margin of Southeastern Banking Corp is 42.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Southeastern Banking Corp (SEBC)?
Revenue at Southeastern Banking Corp is growing +5.5% versus a year earlier (3y avg +10.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Southeastern Banking Corp (SEBC)?
Earnings per share at Southeastern Banking Corp are growing +6.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Southeastern Banking Corp (SEBC) generate?
The free cash flow of Southeastern Banking Corp is $7.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Southeastern Banking Corp (SEBC) hold?
Southeastern Banking Corp holds more cash than debt, $5.9M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
Free · no account needed
Watch Southeastern Banking Corp in the live analysis
One click puts Southeastern Banking Corp on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Broad data
Nov 5, 2026