Southeastern Banking Corporation (SEBC)

Southeastern Banking Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 6, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	91	83	87	60	69	72
Market Cap Growth	50.25%	-5.50%	46.07%	-13.44%	-3.30%	26.11%
Last Close Price	28.48	25.79	26.35	16.86	18.80	18.89
PE Ratio	9.17	8.37	8.22	5.65	7.63	9.54
PS Ratio	3.06	2.78	2.94	2.03	2.71	3.15
PB Ratio	1.06	0.96	1.17	0.86	1.16	1.09
P/FCF Ratio	11.53	10.46	7.49	5.66	6.88	9.04
P/OCF Ratio	8.90	8.07	6.44	5.15	6.76	8.81
Net Debt / Equity Ratio	-0.88	-0.88	-0.87	-1.00	-2.20	-2.47
Net Debt / FCF Ratio	-9.59	-9.59	-5.55	-6.60	-13.03	-20.51
Return on Equity (ROE)	12.32%	12.32%	14.73%	16.35%	14.45%	11.46%
Return on Assets (ROA)	1.61%	1.61%	1.74%	1.64%	1.38%	1.27%
Earnings Yield	10.84%	11.95%	12.16%	17.69%	13.11%	10.49%
FCF Yield	8.67%	9.56%	13.35%	17.66%	14.54%	11.06%
Dividend Yield	3.23%	3.30%	2.92%	4.15%	3.40%	3.33%
Payout Ratio	27.37%	27.37%	52.76%	20.83%	22.25%	68.46%
Buyback Yield / Dilution	-0.71%	-0.71%	-0.21%	-	-	-
Total Shareholder Return	2.52%	2.59%	2.71%	4.15%	3.40%	3.33%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.