SEACOAST BANKING CORP/FL (SBCF) Fundamental Analysis & Valuation

NASDAQ:SBCF • US8117078019

30.29 USD
-0.68 (-2.2%)
At close: Mar 6, 2026
30 USD
-0.29 (-0.96%)
Pre-Market: 3/9/2026, 4:57:41 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This SBCF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to SBCF. SBCF was compared to 381 industry peers in the Banks industry. SBCF has a bad profitability rating. Also its financial health evaluation is rather negative. SBCF is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

2

1. SBCF Profitability Analysis

1.1 Basic Checks

  • In the past year SBCF was profitable.
  • SBCF had a positive operating cash flow in the past year.
  • Each year in the past 5 years SBCF has been profitable.
  • SBCF had a positive operating cash flow in 4 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.87%, SBCF is in line with its industry, outperforming 41.99% of the companies in the same industry.
  • SBCF's Return On Equity of 6.08% is on the low side compared to the rest of the industry. SBCF is outperformed by 74.28% of its industry peers.
Industry RankSector Rank
ROA 0.87%
ROE 6.08%
ROIC N/A
ROA(3y)0.73%
ROA(5y)0.87%
ROE(3y)5.05%
ROE(5y)6.25%
ROIC(3y)N/A
ROIC(5y)N/A
SBCF Yearly ROA, ROE, ROICSBCF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • SBCF has a Profit Margin of 24.85%. This is comparable to the rest of the industry: SBCF outperforms 49.61% 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 RankSector Rank
OM N/A
PM (TTM) 24.85%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.89%
PM growth 5Y-1.83%
GM growth 3YN/A
GM growth 5YN/A
SBCF Yearly Profit, Operating, Gross MarginsSBCF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. SBCF Health Analysis

2.1 Basic Checks

  • SBCF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for SBCF has been increased compared to 1 year ago.
  • The number of shares outstanding for SBCF has been increased compared to 5 years ago.
  • Compared to 1 year ago, SBCF has a worse debt to assets ratio.
SBCF Yearly Shares OutstandingSBCF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
SBCF Yearly Total Debt VS Total AssetsSBCF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.2 Solvency

  • SBCF has a debt to FCF ratio of 2.01. This is a good value and a sign of high solvency as SBCF would need 2.01 years to pay back of all of its debts.
  • SBCF's Debt to FCF ratio of 2.01 is in line compared to the rest of the industry. SBCF outperforms 49.08% of its industry peers.
  • A Debt/Equity ratio of 0.14 indicates that SBCF is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.14, SBCF perfoms like the industry average, outperforming 54.59% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 2.01
Altman-Z N/A
ROIC/WACCN/A
WACC13.72%
SBCF Yearly LT Debt VS Equity VS FCFSBCF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. SBCF Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 18.47% over the past year.
  • Measured over the past 5 years, SBCF shows a small growth in Earnings Per Share. The EPS has been growing by 5.40% on average per year.
  • Looking at the last year, SBCF shows a very strong growth in Revenue. The Revenue has grown by 26.63%.
  • SBCF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.01% yearly.
EPS 1Y (TTM)18.47%
EPS 3Y3.66%
EPS 5Y5.4%
EPS Q2Q%-8.33%
Revenue 1Y (TTM)26.63%
Revenue growth 3Y14.72%
Revenue growth 5Y15.01%
Sales Q2Q%52.97%

3.2 Future

  • The Earnings Per Share is expected to grow by 22.34% on average over the next years. This is a very strong growth
  • SBCF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.05% yearly.
EPS Next Y37.75%
EPS Next 2Y22.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year31.26%
Revenue Next 2Y18.05%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
SBCF Yearly EPS VS EstimatesSBCF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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4

4. SBCF Valuation Analysis

4.1 Price/Earnings Ratio

  • SBCF is valuated correctly with a Price/Earnings ratio of 16.28.
  • Based on the Price/Earnings ratio, SBCF is valued a bit more expensive than 78.22% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of SBCF to the average of the S&P500 Index (26.29), we can say SBCF is valued slightly cheaper.
  • A Price/Forward Earnings ratio of 11.82 indicates a reasonable valuation of SBCF.
  • Based on the Price/Forward Earnings ratio, SBCF is valued a bit more expensive than 64.30% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.60, SBCF is valued rather cheaply.
Industry RankSector Rank
PE 16.28
Fwd PE 11.82
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SBCF indicates a slightly more expensive valuation: SBCF is more expensive than 70.08% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 17.33
EV/EBITDA N/A
SBCF Per share dataSBCF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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 22.34% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.43
PEG (5Y)3.02
EPS Next 2Y22.34%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. SBCF Dividend Analysis

5.1 Amount

  • SBCF has a Yearly Dividend Yield of 2.45%.
  • Compared to an average industry Dividend Yield of 2.86, SBCF has a dividend in line with its industry peers.
  • SBCF's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.45%

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 2026 0.2 0.4 0.6

5.3 Sustainability

  • 43.09% of the earnings are spent on dividend by SBCF. This is a bit on the high side, but may be sustainable.
DP43.09%
EPS Next 2Y22.34%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
SBCF Dividend Payout.SBCF Dividend Payout, showing the Payout Ratio.SBCF Dividend Payout.PayoutRetained Earnings

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SBCF Fundamentals: All Metrics, Ratios and Statistics

SEACOAST BANKING CORP/FL

NASDAQ:SBCF (3/6/2026, 8:00:02 PM)

Premarket: 30 -0.29 (-0.96%)

30.29

-0.68 (-2.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners86.33%
Inst Owner Change0.51%
Ins Owners1.03%
Ins Owner Change7.1%
Market Cap2.97B
Revenue(TTM)652.63M
Net Income(TTM)144.70M
Analysts76.36
Price Target35.8 (18.19%)
Short Float %3.97%
Short Ratio4.97
Dividend
Industry RankSector Rank
Dividend Yield 2.45%
Yearly Dividend0.72
Dividend Growth(5Y)N/A
DP43.09%
Div Incr Years3
Div Non Decr Years3
Ex-Date03-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.98%
Min EPS beat(2)13.54%
Max EPS beat(2)20.43%
EPS beat(4)3
Avg EPS beat(4)17.51%
Min EPS beat(4)-5.68%
Max EPS beat(4)41.74%
EPS beat(8)6
Avg EPS beat(8)10.63%
EPS beat(12)9
Avg EPS beat(12)19.51%
EPS beat(16)10
Avg EPS beat(16)12.71%
Revenue beat(2)1
Avg Revenue beat(2)0.81%
Min Revenue beat(2)-0.41%
Max Revenue beat(2)2.03%
Revenue beat(4)2
Avg Revenue beat(4)0.18%
Min Revenue beat(4)-0.95%
Max Revenue beat(4)2.03%
Revenue beat(8)2
Avg Revenue beat(8)-1.62%
Revenue beat(12)3
Avg Revenue beat(12)-2.14%
Revenue beat(16)4
Avg Revenue beat(16)-1.83%
PT rev (1m)0%
PT rev (3m)5.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.51%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.45%
Revenue NY rev (3m)0.9%
Valuation
Industry RankSector Rank
PE 16.28
Fwd PE 11.82
P/S 5.1
P/FCF 17.33
P/OCF 16.62
P/B 1.25
P/tB 1.92
EV/EBITDA N/A
EPS(TTM)1.86
EY6.14%
EPS(NY)2.56
Fwd EY8.46%
FCF(TTM)1.75
FCFY5.77%
OCF(TTM)1.82
OCFY6.02%
SpS5.94
BVpS24.28
TBVpS15.79
PEG (NY)0.43
PEG (5Y)3.02
Graham Number31.87
Profitability
Industry RankSector Rank
ROA 0.87%
ROE 6.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.85%
GM N/A
FCFM 29.41%
ROA(3y)0.73%
ROA(5y)0.87%
ROE(3y)5.05%
ROE(5y)6.25%
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-3.89%
PM growth 5Y-1.83%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 2.01
Debt/EBITDA N/A
Cap/Depr 261.15%
Cap/Sales 1.25%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 118.34%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC13.72%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)18.47%
EPS 3Y3.66%
EPS 5Y5.4%
EPS Q2Q%-8.33%
EPS Next Y37.75%
EPS Next 2Y22.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)26.63%
Revenue growth 3Y14.72%
Revenue growth 5Y15.01%
Sales Q2Q%52.97%
Revenue Next Year31.26%
Revenue Next 2Y18.05%
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 1Y6.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y8.32%
OCF growth 3YN/A
OCF growth 5YN/A

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.


What is the valuation status of SEACOAST BANKING CORP/FL (SBCF) stock?

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 2 / 10.


What are the PE and PB ratios of SEACOAST BANKING CORP/FL (SBCF) stock?

The Price/Earnings (PE) ratio for SEACOAST BANKING CORP/FL (SBCF) is 16.28 and the Price/Book (PB) ratio is 1.25.


What is the expected EPS growth for SEACOAST BANKING CORP/FL (SBCF) stock?

The Earnings per Share (EPS) of SEACOAST BANKING CORP/FL (SBCF) is expected to grow by 37.75% in the next year.