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Last $30.10 USD
Change Today 0.00 / 0.00%
Volume 0.0
SBFC On Other Exchanges
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OTC US
As of 8:10 PM 07/30/15 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

3530 Wheeler Road

Augusta, GA 30909

United States

Phone: 706-738-6990

Fax:

Southeastern Bank Financial Corporation operates as the holding company for Georgia Bank & Trust Company of Augusta, which provides various financial services. The company focuses primarily on offering real estate, commercial and consumer loans, and various deposit and other services to individuals, small to medium sized businesses, and professionals in its market area. The company operates its main office and eight full service branches in Augusta, Martinez, and Evans, Georgia, with mortgage origination offices located in Augusta and Savannah, Georgia. It also operates three full service branches in North Augusta and Aiken, South Carolina under the name ‘Southern Bank & Trust, a division of Georgia Bank & Trust Company of Augusta’. Market Area The company’s primary market area includes Richmond and Columbia counties in Georgia and Aiken County in South Carolina, all part of the Augusta-Richmond County, GA-SC metropolitan statistical area. Lending Activities The company offers a range of lending services, including real estate, commercial, and consumer loans. Real Estate Loans: These loans consist of commercial real estate loans, construction and development loans, residential real estate loans, and home equity loans. Commercial Real Estate Loans: The company offers commercial real estate loans of various sizes secured by office buildings, warehouse facilities, retail establishments, and other types of property. Acquisition Development and Construction Loans: The company offers acquisition development and construction loans. The company targets seasoned developers and contractors who have experience in the local market. Residential Loans: The company originates, on a selective basis, residential loans for its portfolio on single and multi-family properties, both owner-occupied and non-owner-occupied. This portfolio typically includes 15 or 30-year adjustable rate mortgage loans whose terms mirror those prevalent in the secondary market for mortgage loans or, less typically, floating rate non-amortized term loans for purposes other than acquisition of the underlying residential property. The company also originates both fixed and variable rate residential loans for sale into the secondary market, servicing released. Commercial Loans: The company makes loans for commercial purposes to various types of businesses. Consumer Loans: The company makes various loans to individuals for personal and household purposes, including secured and unsecured installment and term loans, and revolving lines of credit, such as overdraft protection. Investment Securities As of December 31, 2013, the company’s investment securities included obligations of U.S. government agencies; obligations of states and political subdivisions; mortgage-backed securities, such as U.S. government sponsored entities’ MBS – residential and U.S. government sponsored entities’ CMO; and corporate bonds. Deposits As of December 31, 2013, the company’s deposits included noninterest-bearing deposits, NOW accounts, savings accounts, money management accounts, and time deposits. Supervision and Regulation The company is a bank holding company registered with the Board of Governors of the Federal Reserve System (the ‘Federal Reserve’) under the Bank Holding Company Act of 1956, as amended. Because the company is a bank holding company located in Georgia, the Georgia Department of Banking and Finance (GDBF) also regulates and monitors various aspects of the company’s operations. The bank is a commercial bank regulated by the GDBF and the FDIC. The company and the bank are subject to the provisions of Section 23A of the Federal Reserve Act. The company and the bank are also subject to the provisions of Section 23B of the Federal Reserve Act. The bank’s deposits are insured by the Deposit Insurance Fund of the FDIC up to the maximum amount permitted by law. Additionally, the company must publicly disclose the terms of various Community Reinvestment Act-related agreements. The company’s loan operations are also subject to federal laws applicable to credit transactions, such as the Truth-In-Lending Act; Home Mortgage Disclosure Act of 1975; Equal Credit Opportunity Act; Fair Credit Reporting Act of 1978; Fair Debt Collection Act; National Flood Insurance Act and Flood Disaster Protection Act; Real Estate Settlement Procedures Act; Bank Secrecy Act, as amended by the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001; Sections 22(g) and 22(h) of the Federal Reserve Act; Soldiers’ and Sailors’ Civil Relief Act of 1940, as amended; Talent Amendment in the 2007 Defense Authorization Act; and rules and regulations of various federal agencies charged with the responsibility of implementing these federal laws. The company’s deposit operations are subject to federal laws applicable to depository accounts, such as the Truth-In-Savings Act; Right to Financial Privacy Act; Electronic Funds Transfer Act and Regulation E issued by the Federal Reserve to implement that act; and rules and regulations of various federal agencies charged with the responsibility of implementing these federal laws. History Southeastern Bank Financial Corporation was founded in 1989.

 

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Price/Sales 2.8x
Price/Book 1.3x
Price/Cash Flow 10.9x
TEV/Sales 0.6x
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