SEACOAST BANKING CORP/FL (SBCF) Stock Fundamental Analysis
USA - NASDAQ:SBCF - US8117078019 - Common Stock
30.91 USD
+0.35 (+1.15%)
30.91 USD
0 (0%)
Overall SBCF gets a fundamental rating of 4 out of 10. We evaluated SBCF against 390 industry peers in the Banks industry. Both the profitability and financial health of SBCF have multiple concerns. SBCF is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year SBCF was profitable.
SBCF had a positive operating cash flow in the past year.
SBCF had positive earnings in each of the past 5 years.
SBCF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
SBCF has a Return On Assets (0.87%) which is comparable to the rest of the industry.
The Return On Equity of SBCF (6.11%) is worse than 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 6.11% | ||
| 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
SBCF has a Profit Margin of 25.01%. This is comparable to the rest of the industry: SBCF outperforms 60.00% of its industry peers.
In the last couple of years the Profit Margin of SBCF has declined.
The Operating Margin and Gross Margin are not available for SBCF so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.01% | ||
| 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
2. Health
2.1 Basic Checks
SBCF does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SBCF has more shares outstanding
SBCF has more shares outstanding than it did 5 years ago.
The debt/assets ratio for SBCF has been reduced compared to a year ago.
2.2 Solvency
SBCF has a debt to FCF ratio of 1.50. This is a very positive value and a sign of high solvency as it would only need 1.50 years to pay back of all of its debts.
SBCF has a Debt to FCF ratio (1.50) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.13 indicates that SBCF is not too dependend on debt financing.
The Debt to Equity ratio of SBCF (0.13) is better than 61.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.07%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 25.00% over the past year.
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.
Looking at the last year, SBCF shows a quite strong growth in Revenue. The Revenue has grown by 14.01% in the last year.
SBCF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.41% yearly.
EPS 1Y (TTM)25%
EPS 3Y-10.36%
EPS 5Y-4.04%
EPS Q2Q%44.44%
Revenue 1Y (TTM)14.01%
Revenue growth 3Y14.13%
Revenue growth 5Y11.41%
Sales Q2Q%20.67%
3.2 Future
The Earnings Per Share is expected to grow by 21.48% on average over the next years. This is a very strong growth
SBCF is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.28% yearly.
EPS Next Y20.89%
EPS Next 2Y27.53%
EPS Next 3Y21.48%
EPS Next 5YN/A
Revenue Next Year25.76%
Revenue Next 2Y28.37%
Revenue Next 3Y20.28%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 16.27, the valuation of SBCF can be described as correct.
SBCF's Price/Earnings ratio is a bit more expensive when compared to the industry. SBCF is more expensive than 73.59% of the companies in the same industry.
SBCF is valuated rather cheaply when we compare the Price/Earnings ratio to 25.83, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 12.11, which indicates a correct valuation of SBCF.
65.64% of the companies in the same industry are cheaper than SBCF, based on the Price/Forward Earnings ratio.
SBCF is valuated cheaply when we compare the Price/Forward Earnings ratio to 32.68, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.27 | ||
| Fwd PE | 12.11 |
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 | 13.86 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
SBCF's earnings are expected to grow with 21.48% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.78
PEG (5Y)N/A
EPS Next 2Y27.53%
EPS Next 3Y21.48%
5. Dividend
5.1 Amount
SBCF has a Yearly Dividend Yield of 2.51%. Purely for dividend investing, there may be better candidates out there.
SBCF's Dividend Yield is comparable with the industry average which is at 3.42.
SBCF's Dividend Yield is comparable with the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.51% |
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
SBCF pays out 44.54% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP44.54%
EPS Next 2Y27.53%
EPS Next 3Y21.48%
30.91
+0.35 (+1.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners89.38%
Inst Owner Change0.96%
Ins Owners1.09%
Ins Owner Change4.4%
Market Cap2.72B
Revenue(TTM)582.24M
Net Income(TTM)138.89M
Analysts75
Price Target32 (3.53%)
Short Float %3.68%
Short Ratio5.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.51% |
Yearly Dividend0.72
Dividend Growth(5Y)N/A
DP44.54%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.37%
Min EPS beat(2)-5.68%
Max EPS beat(2)20.43%
EPS beat(4)2
Avg EPS beat(4)13.93%
Min EPS beat(4)-5.68%
Max EPS beat(4)41.74%
EPS beat(8)6
Avg EPS beat(8)10.6%
EPS beat(12)8
Avg EPS beat(12)16.56%
EPS beat(16)9
Avg EPS beat(16)10.63%
Revenue beat(2)2
Avg Revenue beat(2)1.04%
Min Revenue beat(2)0.05%
Max Revenue beat(2)2.03%
Revenue beat(4)2
Avg Revenue beat(4)0.01%
Min Revenue beat(4)-1.1%
Max Revenue beat(4)2.03%
Revenue beat(8)2
Avg Revenue beat(8)-1.98%
Revenue beat(12)3
Avg Revenue beat(12)-2.3%
Revenue beat(16)5
Avg Revenue beat(16)-1.67%
PT rev (1m)1.62%
PT rev (3m)6.36%
EPS NQ rev (1m)0.22%
EPS NQ rev (3m)3.42%
EPS NY rev (1m)0.55%
EPS NY rev (3m)6.68%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.72%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.27 | ||
| Fwd PE | 12.11 | ||
| P/S | 4.89 | ||
| P/FCF | 13.86 | ||
| P/OCF | 13.46 | ||
| P/B | 1.2 | ||
| P/tB | 1.84 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.9
EY6.15%
EPS(NY)2.55
Fwd EY8.26%
FCF(TTM)2.23
FCFY7.22%
OCF(TTM)2.3
OCFY7.43%
SpS6.32
BVpS25.86
TBVpS16.82
PEG (NY)0.78
PEG (5Y)N/A
Graham Number33.25
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 6.11% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.01% | ||
| GM | N/A | ||
| FCFM | 35.29% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.5 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 122.35% | ||
| Cap/Sales | 1.03% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 141.1% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.07%
ROIC/WACCN/A
Cap/Depr(3y)126.09%
Cap/Depr(5y)96.62%
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)25%
EPS 3Y-10.36%
EPS 5Y-4.04%
EPS Q2Q%44.44%
EPS Next Y20.89%
EPS Next 2Y27.53%
EPS Next 3Y21.48%
EPS Next 5YN/A
Revenue 1Y (TTM)14.01%
Revenue growth 3Y14.13%
Revenue growth 5Y11.41%
Sales Q2Q%20.67%
Revenue Next Year25.76%
Revenue Next 2Y28.37%
Revenue Next 3Y20.28%
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 1Y43.25%
FCF growth 3Y5.38%
FCF growth 5Y8.83%
OCF growth 1Y29.54%
OCF growth 3Y5.18%
OCF growth 5Y8.86%
SEACOAST BANKING CORP/FL / SBCF FAQ
Can you provide the ChartMill fundamental rating for SEACOAST BANKING CORP/FL?
ChartMill assigns a fundamental rating of 4 / 10 to SBCF.
Can you provide the valuation status for SEACOAST BANKING CORP/FL?
ChartMill assigns a valuation rating of 4 / 10 to SEACOAST BANKING CORP/FL (SBCF). This can be considered as Fairly Valued.
How profitable is SEACOAST BANKING CORP/FL (SBCF) stock?
SEACOAST BANKING CORP/FL (SBCF) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for SBCF stock?
The Price/Earnings (PE) ratio for SEACOAST BANKING CORP/FL (SBCF) is 16.27 and the Price/Book (PB) ratio is 1.2.
Can you provide the financial health for SBCF stock?
The financial health rating of SEACOAST BANKING CORP/FL (SBCF) is 3 / 10.