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

NASDAQ:SBCF • US8117078019

31.48 USD
+0.13 (+0.41%)
At close: Mar 4, 2026
31.48 USD
0 (0%)
After Hours: 3/4/2026, 8:00:01 PM
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

SBCF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. Both the profitability and financial health of SBCF have multiple concerns. SBCF is not overvalued while it is showing excellent growth. This is an interesting combination.


Dividend Valuation Growth Profitability Health

2

1. SBCF Profitability Analysis

1.1 Basic Checks

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

  • SBCF has a Return On Assets of 0.87%. This is comparable to the rest of the industry: SBCF outperforms 45.38% of its industry peers.
  • With a Return On Equity value of 6.08%, SBCF is not doing good in the industry: 73.61% of the companies in the same industry are doing better.
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's Profit Margin of 24.85% is in line compared to the rest of the industry. SBCF outperforms 51.19% 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.
  • SBCF has more shares outstanding than it did 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

  • The Debt to FCF ratio of SBCF is 2.01, which is a good value as it means it would take SBCF, 2.01 years of fcf income to pay off 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 48.28% of its industry peers.
  • SBCF has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
  • SBCF's Debt to Equity ratio of 0.14 is in line compared to the rest of the industry. SBCF outperforms 55.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 2.01
Altman-Z N/A
ROIC/WACCN/A
WACC13.49%
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

  • SBCF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.47%, which is quite good.
  • The Earnings Per Share has been growing slightly by 5.40% on average over the past years.
  • SBCF shows a strong growth in Revenue. In the last year, the Revenue has grown by 26.63%.
  • Measured over the past years, SBCF shows a quite strong growth in Revenue. The Revenue has been growing by 15.01% on average per year.
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

  • Based on estimates for the next years, SBCF will show a very strong growth in Earnings Per Share. The EPS will grow by 22.34% on average per year.
  • 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

  • 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.
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 16.92.
  • SBCF's Price/Earnings ratio is a bit more expensive when compared to the industry. SBCF is more expensive than 79.16% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of SBCF to the average of the S&P500 Index (27.03), we can say SBCF is valued slightly cheaper.
  • SBCF is valuated correctly with a Price/Forward Earnings ratio of 12.29.
  • Based on the Price/Forward Earnings ratio, SBCF is valued a bit more expensive than 63.59% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of SBCF to the average of the S&P500 Index (25.11), we can say SBCF is valued rather cheaply.
Industry RankSector Rank
PE 16.92
Fwd PE 12.29
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 70.18% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 18
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.
  • A more expensive valuation may be justified as SBCF's earnings are expected to grow with 22.34% in the coming years.
PEG (NY)0.45
PEG (5Y)3.13
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

  • With a Yearly Dividend Yield of 2.31%, SBCF has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.72, 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 2.31%

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 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 (3/4/2026, 8:00:01 PM)

After market: 31.48 0 (0%)

31.48

+0.13 (+0.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners83.25%
Inst Owner Change0.48%
Ins Owners0.97%
Ins Owner Change8.47%
Market Cap3.08B
Revenue(TTM)652.63M
Net Income(TTM)144.70M
Analysts75
Price Target35.8 (13.72%)
Short Float %3.97%
Short Ratio4.97
Dividend
Industry RankSector Rank
Dividend Yield 2.31%
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)4.52%
PT rev (3m)5.56%
EPS NQ rev (1m)2.51%
EPS NQ rev (3m)4.23%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)0.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.68%
Revenue NY rev (1m)1.05%
Revenue NY rev (3m)0.56%
Valuation
Industry RankSector Rank
PE 16.92
Fwd PE 12.29
P/S 5.29
P/FCF 18
P/OCF 17.27
P/B 1.3
P/tB 1.99
EV/EBITDA N/A
EPS(TTM)1.86
EY5.91%
EPS(NY)2.56
Fwd EY8.14%
FCF(TTM)1.75
FCFY5.55%
OCF(TTM)1.82
OCFY5.79%
SpS5.95
BVpS24.28
TBVpS15.8
PEG (NY)0.45
PEG (5Y)3.13
Graham Number31.88
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
WACC13.49%
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 16.92 and the Price/Book (PB) ratio is 1.3.


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.