Southeastern Banking Corporation (SEBC) Fair Value & Analysis
Financial Services · US · Market cap $90.8M
Southeastern Banking Corporation
SEBC · US
Fair value as of: Jun 26, 2026
From 25 valuation models · updated 3 days ago
Share price −0.7% over the past month.
Price vs Fair Value (12 months)
12‑month range $15.92 – $30.02 · fair‑value band $30.29 – $50.48 · the $28.57 price screens below the $40.38 fair value. As of Jun 26, 2026.
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Southeastern Banking Corporation (SEBC) currently trades at $28.57, while our model-based Fair Value estimate is $40.38 — implying the stock looks roughly 41.3% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, Southeastern Banking Corporation generated revenue of $29.8M at a net margin of 33.2%. Revenue declined 4.8% year over year. It earns a return on equity of 12.3%. The balance sheet holds a net cash position of $5.9M. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
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. 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.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Southeastern Banking Corporation 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.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.