31.56 USD
-0.07 (-0.22%)
31.56 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to SBCF. SBCF was compared to 387 industry peers in the Banks industry. SBCF may be in some trouble as it scores bad on both profitability and health. SBCF is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
SBCF had positive earnings in the past year.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.87%, SBCF is in line with its industry, outperforming 47.80% of the companies in the same industry.
SBCF has a Return On Equity of 6.08%. This is in the lower half of the industry: SBCF underperforms 72.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 6.08% | ||
| 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
Looking at the Profit Margin, with a value of 24.85%, SBCF is in line with its industry, outperforming 53.75% of the companies in the same industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.85% | ||
| 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.
SBCF has a better debt/assets ratio than last year.
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 has a Debt to FCF ratio of 2.01. This is comparable to the rest of the industry: SBCF outperforms 49.10% 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.
The Debt to Equity ratio of SBCF (0.14) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 2.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.45%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SBCF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.00%, which is quite impressive.
SBCF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.04% yearly.
The Revenue has grown by 14.01% in the past year. This is quite good.
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)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
SBCF is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.48% yearly.
Based on estimates for the next years, SBCF will show a very strong growth in Revenue. The Revenue will grow by 20.28% on average per year.
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 16.61, SBCF is valued correctly.
SBCF's Price/Earnings ratio is a bit more expensive when compared to the industry. SBCF is more expensive than 74.68% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.31. SBCF is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 12.36 indicates a correct valuation of SBCF.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SBCF indicates a slightly more expensive valuation: SBCF is more expensive than 67.44% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.56, SBCF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.61 | ||
| Fwd PE | 12.36 |
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 68.48% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.03 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SBCF's 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 21.48% in the coming years.
PEG (NY)0.8
PEG (5Y)N/A
EPS Next 2Y27.53%
EPS Next 3Y21.48%
5. Dividend
5.1 Amount
SBCF has a Yearly Dividend Yield of 2.40%.
Compared to an average industry Dividend Yield of 3.15, SBCF has a dividend in line with its industry peers.
SBCF's Dividend Yield is comparable with the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
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
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 2Y27.53%
EPS Next 3Y21.48%
31.56
-0.07 (-0.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners89.38%
Inst Owner Change4.64%
Ins Owners1.09%
Ins Owner Change3.19%
Market Cap3.09B
Revenue(TTM)582.24M
Net Income(TTM)144.70M
Analysts75
Price Target33.92 (7.48%)
Short Float %4.34%
Short Ratio6.38
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
Yearly Dividend0.72
Dividend Growth(5Y)N/A
DP43.09%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)5.98%
PT rev (3m)7.69%
EPS NQ rev (1m)21.91%
EPS NQ rev (3m)31.85%
EPS NY rev (1m)8.1%
EPS NY rev (3m)10.27%
Revenue NQ rev (1m)10.07%
Revenue NQ rev (3m)10.07%
Revenue NY rev (1m)3.28%
Revenue NY rev (3m)3.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.61 | ||
| Fwd PE | 12.36 | ||
| P/S | 5.3 | ||
| P/FCF | 18.03 | ||
| P/OCF | 17.29 | ||
| P/B | 1.3 | ||
| P/tB | 2 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.9
EY6.02%
EPS(NY)2.55
Fwd EY8.09%
FCF(TTM)1.75
FCFY5.55%
OCF(TTM)1.83
OCFY5.78%
SpS5.95
BVpS24.31
TBVpS15.82
PEG (NY)0.8
PEG (5Y)N/A
Graham Number32.24
Profitability
| Industry Rank | Sector 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)0.8%
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 | 0.14 | ||
| 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
WACC13.45%
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 1Y7.9%
FCF growth 3Y5.38%
FCF growth 5Y8.83%
OCF growth 1Y5.52%
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 16.61 and the Price/Book (PB) ratio is 1.3.
Can you provide the financial health for SBCF stock?
The financial health rating of SEACOAST BANKING CORP/FL (SBCF) is 2 / 10.