Hull construction does have alot to do with it. My hull is 1" thick mahagony strip plank, glued and top nailed with 3" nails, screwed onto 2x3" double frames (which are bolted together with 3/8" through bolts) and 1/4" ceiling....to finish it off the builder also covered the boat with two layers of fiberglass. The weight is distributed alot more evenly.
B/D ratio by itself doesn't mean alot whole lot, it is simply "An indication of a boats stiffness or it's ability to resist heeling", some boats actually perform better when heeled (mine does best at 25-30 degrees and it doesn't take much to get it there) and some of weekend cruisers get nervous if there boat goes beyond 10 degrees so there are boats designed accordingly.
The height of the mast, sail area and beam all are necessary calculations here is a performance calculator for cruising boats: SloopIT - Boat performance calculator