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SEACOAST BANKING CORP/FL (SBCF) Stock Fundamental Analysis

USA - NASDAQ:SBCF - US8117078019 - Common Stock

29.24 USD
+0.44 (+1.53%)
Last: 10/17/2025, 8:00:02 PM
29.15 USD
-0.09 (-0.31%)
After Hours: 10/17/2025, 8:00:02 PM
Fundamental Rating

4

Taking everything into account, SBCF scores 4 out of 10 in our fundamental rating. SBCF was compared to 391 industry peers in the Banks industry. Both the profitability and financial health of SBCF have multiple concerns. SBCF shows excellent growth, but is valued quite expensive already.


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.
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.
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 has a Return On Assets (0.87%) which is in line with its industry peers.
Looking at the Return On Equity, with a value of 6.11%, SBCF is doing worse than 69.57% of the companies in the same industry.
Industry RankSector 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
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 (25.01%) which is in line with its industry peers.
SBCF's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for SBCF so they could not be analyzed.
Industry RankSector 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
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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3

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.
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

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 in line with its industry peers.
A Debt/Equity ratio of 0.13 indicates that SBCF is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.13, SBCF is doing good in the industry, outperforming 61.64% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.5
Altman-Z N/A
ROIC/WACCN/A
WACC14.24%
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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7

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 7.41% over the past year.
The Earnings Per Share has been decreasing by -4.04% on average over the past years.
Looking at the last year, SBCF shows a small growth in Revenue. The Revenue has grown by 7.32% in the last year.
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)7.41%
EPS 3Y-10.36%
EPS 5Y-4.04%
EPS Q2Q%44.44%
Revenue 1Y (TTM)7.32%
Revenue growth 3Y14.13%
Revenue growth 5Y11.41%
Sales Q2Q%19.57%

3.2 Future

The Earnings Per Share is expected to grow by 27.24% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 28.13% on average over the next years. This is a very strong growth
EPS Next Y11.23%
EPS Next 2Y27.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.77%
Revenue Next 2Y28.13%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 800M
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 2.5

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 16.80, SBCF is valued correctly.
Based on the Price/Earnings ratio, SBCF is valued a bit more expensive than the industry average as 75.45% of the companies are valued more cheaply.
SBCF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.42.
Based on the Price/Forward Earnings ratio of 11.50, the valuation of SBCF can be described as reasonable.
Based on the Price/Forward Earnings ratio, SBCF is valued a bit more expensive than 64.96% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.94, SBCF is valued a bit cheaper.
Industry RankSector Rank
PE 16.8
Fwd PE 11.5
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

SBCF's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.11
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

SBCF's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
SBCF's earnings are expected to grow with 27.24% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.5
PEG (5Y)N/A
EPS Next 2Y27.24%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

SBCF has a Yearly Dividend Yield of 2.50%.
Compared to an average industry Dividend Yield of 3.61, SBCF is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.36, SBCF has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.5%

5.2 History

SBCF has been paying a dividend for at least 10 years, so it has 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

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 2Y27.24%
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 (10/17/2025, 8:00:02 PM)

After market: 29.15 -0.09 (-0.31%)

29.24

+0.44 (+1.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-27 2025-10-27/amc
Inst Owners89.38%
Inst Owner Change0.2%
Ins Owners1.09%
Ins Owner Change4.32%
Market Cap2.57B
Analysts75
Price Target31.49 (7.69%)
Short Float %3.2%
Short Ratio4.32
Dividend
Industry RankSector Rank
Dividend Yield 2.5%
Yearly Dividend0.72
Dividend Growth(5Y)N/A
DP44.54%
Div Incr Years3
Div Non Decr Years3
Ex-Date09-15 2025-09-15 (0.18)
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)0%
PT rev (3m)4.66%
EPS NQ rev (1m)0.22%
EPS NQ rev (3m)3.46%
EPS NY rev (1m)1.45%
EPS NY rev (3m)6.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.57%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.49%
Valuation
Industry RankSector Rank
PE 16.8
Fwd PE 11.5
P/S 4.63
P/FCF 13.11
P/OCF 12.74
P/B 1.13
P/tB 1.74
EV/EBITDA N/A
EPS(TTM)1.74
EY5.95%
EPS(NY)2.54
Fwd EY8.69%
FCF(TTM)2.23
FCFY7.63%
OCF(TTM)2.3
OCFY7.85%
SpS6.32
BVpS25.86
TBVpS16.82
PEG (NY)1.5
PEG (5Y)N/A
Profitability
Industry RankSector 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
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 0.13
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
WACC14.24%
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)7.41%
EPS 3Y-10.36%
EPS 5Y-4.04%
EPS Q2Q%44.44%
EPS Next Y11.23%
EPS Next 2Y27.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.32%
Revenue growth 3Y14.13%
Revenue growth 5Y11.41%
Sales Q2Q%19.57%
Revenue Next Year21.77%
Revenue Next 2Y28.13%
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 1Y43.25%
FCF growth 3Y5.38%
FCF growth 5Y8.83%
OCF growth 1Y29.54%
OCF growth 3Y5.18%
OCF growth 5Y8.86%