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SEACOAST BANKING CORP/FL (SBCF) Stock Fundamental Analysis

NASDAQ:SBCF - Nasdaq - US8117078019 - Common Stock - Currency: USD

23.73  -0.14 (-0.59%)

After market: 23.73 0 (0%)

Fundamental Rating

3

Taking everything into account, SBCF scores 3 out of 10 in our fundamental rating. SBCF was compared to 398 industry peers in the Banks industry. SBCF has a bad profitability rating. Also its financial health evaluation is rather negative. SBCF is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year SBCF was profitable.
SBCF had a positive operating cash flow in the past year.
In the past 5 years SBCF has always been profitable.
Each year in the past 5 years SBCF had a positive operating cash flow.
SBCF Yearly Net Income VS EBIT VS OCF VS FCFSBCF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

SBCF's Return On Assets of 0.80% is in line compared to the rest of the industry. SBCF outperforms 47.49% of its industry peers.
With a Return On Equity value of 5.54%, SBCF is not doing good in the industry: 71.86% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.8%
ROE 5.54%
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
SBCF Yearly ROA, ROE, ROICSBCF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

SBCF has a Profit Margin (23.47%) which is comparable to the rest of the industry.
SBCF's Profit Margin has declined in the last couple of years.
SBCF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.47%
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
SBCF Yearly Profit, Operating, Gross MarginsSBCF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

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.
Compared to 1 year ago, SBCF has an improved debt to assets ratio.
SBCF Yearly Shares OutstandingSBCF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
SBCF Yearly Total Debt VS Total AssetsSBCF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

The Debt to FCF ratio of SBCF is 1.93, which is an excellent value as it means it would take SBCF, only 1.93 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.93, SBCF is in line with its industry, outperforming 52.51% of the companies in the same industry.
SBCF has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
SBCF has a Debt to Equity ratio (0.16) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.93
Altman-Z N/A
ROIC/WACCN/A
WACC15.61%
SBCF Yearly LT Debt VS Equity VS FCFSBCF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SBCF Yearly Current Assets VS Current LiabilitesSBCF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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5

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%.
The Earnings Per Share has been decreasing by -4.04% on average over the past years.
Looking at the last year, SBCF shows a decrease in Revenue. The Revenue has decreased by -9.16% in the last year.
The Revenue has been growing by 11.41% on average over the past years. This is quite good.
EPS 1Y (TTM)-14.13%
EPS 3Y-10.36%
EPS 5Y-4.04%
EPS Q2Q%2.7%
Revenue 1Y (TTM)-9.16%
Revenue growth 3Y14.13%
Revenue growth 5Y11.41%
Sales Q2Q%12.04%

3.2 Future

Based on estimates for the next years, SBCF will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.46% on average per year.
The Revenue is expected to grow by 11.02% on average over the next years. This is quite good.
EPS Next Y12.07%
EPS Next 2Y14.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.48%
Revenue Next 2Y11.02%
Revenue Next 3YN/A
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 stable: in the next years the growth will be about the same than in the last years.
SBCF Yearly Revenue VS EstimatesSBCF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
SBCF Yearly EPS VS EstimatesSBCF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 15.02, which indicates a correct valuation of SBCF.
Based on the Price/Earnings ratio, SBCF is valued a bit more expensive than 70.60% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.79. SBCF is valued slightly cheaper when compared to this.
SBCF is valuated reasonably with a Price/Forward Earnings ratio of 11.54.
Based on the Price/Forward Earnings ratio, SBCF is valued a bit more expensive than 63.82% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.38. SBCF is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 15.02
Fwd PE 11.54
SBCF Price Earnings VS Forward Price EarningsSBCF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as SBCF.
Industry RankSector Rank
P/FCF 11.55
EV/EBITDA N/A
SBCF Per share dataSBCF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as SBCF's earnings are expected to grow with 14.46% in the coming years.
PEG (NY)1.24
PEG (5Y)N/A
EPS Next 2Y14.46%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

SBCF has a Yearly Dividend Yield of 3.02%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.54, SBCF has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.47, SBCF pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.02%

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
SBCF Yearly Dividends per shareSBCF Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

50.96% of the earnings are spent on dividend by SBCF. This is a bit on the high side, but may be sustainable.
DP50.96%
EPS Next 2Y14.46%
EPS Next 3YN/A
SBCF Yearly Income VS Free CF VS DividendSBCF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
SBCF Dividend Payout.SBCF Dividend Payout, showing the Payout Ratio.SBCF Dividend Payout.PayoutRetained Earnings

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SEACOAST BANKING CORP/FL

NASDAQ:SBCF (4/25/2025, 8:00:01 PM)

After market: 23.73 0 (0%)

23.73

-0.14 (-0.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners87.09%
Inst Owner Change0.07%
Ins Owners1.12%
Ins Owner Change14.97%
Market Cap2.03B
Analysts75
Price Target30.26 (27.52%)
Short Float %2.2%
Short Ratio3.72
Dividend
Industry RankSector Rank
Dividend Yield 3.02%
Yearly Dividend0.72
Dividend Growth(5Y)N/A
DP50.96%
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)20.48%
Min EPS beat(2)-0.78%
Max EPS beat(2)41.74%
EPS beat(4)3
Avg EPS beat(4)12.69%
Min EPS beat(4)-0.78%
Max EPS beat(4)41.74%
EPS beat(8)6
Avg EPS beat(8)9.7%
EPS beat(12)7
Avg EPS beat(12)13.21%
EPS beat(16)10
Avg EPS beat(16)11.41%
Revenue beat(2)0
Avg Revenue beat(2)-1.02%
Min Revenue beat(2)-1.1%
Max Revenue beat(2)-0.95%
Revenue beat(4)0
Avg Revenue beat(4)-1.83%
Min Revenue beat(4)-3.63%
Max Revenue beat(4)-0.95%
Revenue beat(8)0
Avg Revenue beat(8)-3.42%
Revenue beat(12)1
Avg Revenue beat(12)-2.71%
Revenue beat(16)3
Avg Revenue beat(16)-2.05%
PT rev (1m)-3.26%
PT rev (3m)0%
EPS NQ rev (1m)-1.94%
EPS NQ rev (3m)9.72%
EPS NY rev (1m)-0.95%
EPS NY rev (3m)7.95%
Revenue NQ rev (1m)-0.4%
Revenue NQ rev (3m)3.14%
Revenue NY rev (1m)-0.46%
Revenue NY rev (3m)3.88%
Valuation
Industry RankSector Rank
PE 15.02
Fwd PE 11.54
P/S 3.94
P/FCF 11.55
P/OCF 11.29
P/B 0.93
P/tB 1.47
EV/EBITDA N/A
EPS(TTM)1.58
EY6.66%
EPS(NY)2.06
Fwd EY8.67%
FCF(TTM)2.05
FCFY8.66%
OCF(TTM)2.1
OCFY8.86%
SpS6.02
BVpS25.5
TBVpS16.11
PEG (NY)1.24
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.8%
ROE 5.54%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.47%
GM N/A
FCFM 34.12%
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-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.93
Debt/EBITDA N/A
Cap/Depr 23.97%
Cap/Sales 0.78%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 145.36%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.61%
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 Y12.07%
EPS Next 2Y14.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-9.16%
Revenue growth 3Y14.13%
Revenue growth 5Y11.41%
Sales Q2Q%12.04%
Revenue Next Year12.48%
Revenue Next 2Y11.02%
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 1Y25.33%
FCF growth 3Y5.38%
FCF growth 5Y8.83%
OCF growth 1Y19.45%
OCF growth 3Y5.18%
OCF growth 5Y8.86%