SBCF Fundamental Analysis - SEACOAST BANKING CORP/FL

Fundamental Rating

Overall SBCF gets a fundamental rating of 4 out of 10. We evaluated SBCF against 394 industry peers in the Banks industry. Both the profitability and financial health of SBCF have multiple concerns. While showing a medium growth rate, SBCF is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past year SBCF was profitable.

In the past year SBCF had a positive cash flow from operations.

In the past 5 years SBCF has always been profitable.

SBCF had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

SBCF has a Return On Assets (0.80%) which is in line with its industry peers.

With a Return On Equity value of 5.67%, SBCF is not doing good in the industry: 73.10% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.8%
ROE	5.67%
ROIC	N/A

ROA(3y)0.8%

ROA(5y)0.92%

ROE(3y)5.7%

ROE(5y)6.69%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 23.83%, SBCF is in line with its industry, outperforming 51.27% of the companies in the same industry.

In the last couple of years the Profit Margin of SBCF has declined.

SBCF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	23.83%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-13.19%

PM growth 5Y-6.51%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

SBCF does not have a ROIC to compare to the WACC, probably because it is not profitable.

SBCF has more shares outstanding than it did 1 year ago.

The number of shares outstanding for SBCF has been increased compared to 5 years ago.

SBCF has a better debt/assets ratio than last year.

2.2 Solvency

SBCF has a debt to FCF ratio of 1.71. This is a very positive value and a sign of high solvency as it would only need 1.71 years to pay back of all of its debts.

The Debt to FCF ratio of SBCF (1.71) is comparable to the rest of the industry.

A Debt/Equity ratio of 0.14 indicates that SBCF is not too dependend on debt financing.

SBCF's Debt to Equity ratio of 0.14 is fine compared to the rest of the industry. SBCF outperforms 60.15% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	1.71
Altman-Z	N/A

ROIC/WACCN/A

WACC14.64%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

SBCF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.13%.

Measured over the past years, SBCF shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.04% on average per year.

SBCF shows a decrease in Revenue. In the last year, the revenue decreased by -1.65%.

Measured over the past years, SBCF shows a quite strong growth in Revenue. The Revenue has been growing by 11.41% on average per year.

EPS 1Y (TTM)-14.13%

EPS 3Y-10.36%

EPS 5Y-4.04%

EPS Q2Q%2.7%

Revenue 1Y (TTM)-1.65%

Revenue growth 3Y14.13%

Revenue growth 5Y11.41%

Sales Q2Q%12.04%

3.2 Future

SBCF is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.02% yearly.

The Revenue is expected to grow by 24.40% on average over the next years. This is a very strong growth

EPS Next Y4.84%

EPS Next 2Y24.02%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year18.81%

Revenue Next 2Y24.4%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

SBCF is valuated rather expensively with a Price/Earnings ratio of 18.66.

76.14% of the companies in the same industry are cheaper than SBCF, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 27.52, SBCF is valued a bit cheaper.

A Price/Forward Earnings ratio of 12.21 indicates a correct valuation of SBCF.

SBCF's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SBCF is more expensive than 66.24% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 35.58. SBCF is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	18.66
Fwd PE	12.21

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as SBCF.

		Industry Rank	Sector Rank
P/FCF	14.11
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SBCF does not grow enough to justify the current Price/Earnings ratio.

SBCF's earnings are expected to grow with 24.02% in the coming years. This may justify a more expensive valuation.

PEG (NY)3.86

PEG (5Y)N/A

EPS Next 2Y24.02%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

SBCF has a Yearly Dividend Yield of 2.43%. Purely for dividend investing, there may be better candidates out there.

SBCF's Dividend Yield is slightly below the industry average, which is at 3.31.

SBCF's Dividend Yield is comparable with the S&P500 average which is at 2.35.

		Industry Rank	Sector Rank
Dividend Yield	2.43%

5.2 History

SBCF has paid a dividend for at least 10 years, which is a reliable track record.

SBCF has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)N/A

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

48.87% of the earnings are spent on dividend by SBCF. This is a bit on the high side, but may be sustainable.

DP48.87%

EPS Next 2Y24.02%

EPS Next 3YN/A

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SEACOAST BANKING CORP/FL

NASDAQ:SBCF (7/14/2025, 5:52:03 PM)

After market: 29.49 0 (0%)

29.49

+0.2 (+0.68%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/amc

Earnings (Next)07-24 2025-07-24/amc

Inst Owners87.73%

Inst Owner Change0%

Ins Owners1.1%

Ins Owner Change20.72%

Market Cap2.54B

Analysts75

Price Target29.41 (-0.27%)

Short Float %2.32%

Short Ratio3.92

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.43%

Yearly Dividend0.72

Dividend Growth(5Y)N/A

DP48.87%

Div Incr Years3

Div Non Decr Years3

Ex-Date06-13 2025-06-13 (0.18)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)18.03%

Min EPS beat(2)-5.68%

Max EPS beat(2)41.74%

EPS beat(4)2

Avg EPS beat(4)10.08%

Min EPS beat(4)-5.68%

Max EPS beat(4)41.74%

EPS beat(8)6

Avg EPS beat(8)9.29%

EPS beat(12)7

Avg EPS beat(12)14.62%

EPS beat(16)9

Avg EPS beat(16)9.58%

Revenue beat(2)1

Avg Revenue beat(2)-0.45%

Min Revenue beat(2)-0.95%

Max Revenue beat(2)0.05%

Revenue beat(4)1

Avg Revenue beat(4)-0.91%

Min Revenue beat(4)-1.66%

Max Revenue beat(4)0.05%

Revenue beat(8)1

Avg Revenue beat(8)-2.96%

Revenue beat(12)2

Avg Revenue beat(12)-2.54%

Revenue beat(16)4

Avg Revenue beat(16)-2.03%

PT rev (1m)0.58%

PT rev (3m)-6.49%

EPS NQ rev (1m)-2.01%

EPS NQ rev (3m)0.39%

EPS NY rev (1m)-6.37%

EPS NY rev (3m)-7.34%

Revenue NQ rev (1m)-0.13%

Revenue NQ rev (3m)2.42%

Revenue NY rev (1m)2.66%

Revenue NY rev (3m)5.42%

Valuation

		Industry Rank	Sector Rank
PE	18.66
Fwd PE	12.21
P/S	4.78
P/FCF	14.11
P/OCF	13.62
P/B	1.14
P/tB	1.77
EV/EBITDA	N/A

EPS(TTM)1.58

EY5.36%

EPS(NY)2.41

Fwd EY8.19%

FCF(TTM)2.09

FCFY7.09%

OCF(TTM)2.17

OCFY7.34%

SpS6.17

BVpS25.93

TBVpS16.64

PEG (NY)3.86

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.8%
ROE	5.67%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.83%
GM	N/A
FCFM	33.88%

ROA(3y)0.8%

ROA(5y)0.92%

ROE(3y)5.7%

ROE(5y)6.69%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-13.19%

PM growth 5Y-6.51%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	1.71
Debt/EBITDA	N/A
Cap/Depr	37.9%
Cap/Sales	1.22%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	142.16%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC14.64%

ROIC/WACCN/A

Cap/Depr(3y)97.89%

Cap/Depr(5y)79.71%

Cap/Sales(3y)1.84%

Cap/Sales(5y)1.45%

Profit Quality(3y)150.79%

Profit Quality(5y)129.83%

High Growth Momentum

Growth

EPS 1Y (TTM)-14.13%

EPS 3Y-10.36%

EPS 5Y-4.04%

EPS Q2Q%2.7%

EPS Next Y4.84%

EPS Next 2Y24.02%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-1.65%

Revenue growth 3Y14.13%

Revenue growth 5Y11.41%

Sales Q2Q%12.04%

Revenue Next Year18.81%

Revenue Next 2Y24.4%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y31.4%

FCF growth 3Y5.38%

FCF growth 5Y8.83%

OCF growth 1Y20.62%

OCF growth 3Y5.18%

OCF growth 5Y8.86%

SEACOAST BANKING CORP/FL (SBCF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens