SBCF Fundamental Analysis - SEACOAST BANKING CORP/FL

Fundamental Rating

Taking everything into account, SBCF scores 4 out of 10 in our fundamental rating. SBCF was compared to 393 industry peers in the Banks industry. SBCF has a bad profitability rating. Also its financial health evaluation is rather negative. SBCF is valued quite expensively, but it does show have an excellent growth rating.

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1. Profitability

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.

Each year in the past 5 years SBCF had a positive operating cash flow.

1.2 Ratios

SBCF's Return On Assets of 0.87% is in line compared to the rest of the industry. SBCF outperforms 51.40% of its industry peers.

SBCF has a Return On Equity of 6.11%. This is in the lower half of the industry: SBCF underperforms 70.23% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

SBCF's Profit Margin of 25.01% is fine compared to the rest of the industry. SBCF outperforms 60.31% of 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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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 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's Debt to FCF ratio of 1.50 is fine compared to the rest of the industry. SBCF outperforms 61.58% of its industry peers.

A Debt/Equity ratio of 0.13 indicates that SBCF is not too dependend on debt financing.

SBCF has a Debt to Equity ratio of 0.13. This is in the better half of the industry: SBCF outperforms 61.32% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF	1.5
Altman-Z	N/A

ROIC/WACCN/A

WACC14.28%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 7.41% over the past year.

SBCF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.04% yearly.

Looking at the last year, SBCF shows a small growth in Revenue. The Revenue has grown by 7.32% in the last year.

SBCF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.41% yearly.

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 27.13% on average over the next years. This is a very strong growth

Based on estimates for the next years, SBCF will show a very strong growth in Revenue. The Revenue will grow by 28.13% on average per year.

EPS Next Y9.63%

EPS Next 2Y27.13%

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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 17.80, which indicates a rather expensive current valuation of SBCF.

Based on the Price/Earnings ratio, SBCF is valued a bit more expensive than the industry average as 75.83% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Earnings ratio of 27.24, SBCF is valued a bit cheaper.

The Price/Forward Earnings ratio is 12.21, which indicates a correct valuation of SBCF.

Based on the Price/Forward Earnings ratio, SBCF is valued a bit more expensive than the industry average as 66.41% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Forward Earnings ratio of 35.82, SBCF is valued rather cheaply.

		Industry Rank	Sector Rank
PE	17.8
Fwd PE	12.21

4.2 Price Multiples

SBCF's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	13.88
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

A more expensive valuation may be justified as SBCF's earnings are expected to grow with 27.13% in the coming years.

PEG (NY)1.85

PEG (5Y)N/A

EPS Next 2Y27.13%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

SBCF has a Yearly Dividend Yield of 2.47%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.34, SBCF has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.32, SBCF has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.47%

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

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 2Y27.13%

EPS Next 3YN/A

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SEACOAST BANKING CORP/FL

NASDAQ:SBCF (8/22/2025, 8:00:02 PM)

After market: 30.97 0 (0%)

30.97

+1.8 (+6.17%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-22 2025-10-22/amc

Inst Owners87.94%

Inst Owner Change3.74%

Ins Owners1.1%

Ins Owner Change16.63%

Market Cap2.72B

Analysts75

Price Target31.49 (1.68%)

Short Float %3.24%

Short Ratio4.04

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.47%

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)4.66%

PT rev (3m)8.97%

EPS NQ rev (1m)-0.06%

EPS NQ rev (3m)-0.67%

EPS NY rev (1m)4.58%

EPS NY rev (3m)-2.08%

Revenue NQ rev (1m)1.57%

Revenue NQ rev (3m)6.8%

Revenue NY rev (1m)2.49%

Revenue NY rev (3m)6.03%

Valuation

		Industry Rank	Sector Rank
PE	17.8
Fwd PE	12.21
P/S	4.9
P/FCF	13.88
P/OCF	13.49
P/B	1.2
P/tB	1.84
EV/EBITDA	N/A

EPS(TTM)1.74

EY5.62%

EPS(NY)2.54

Fwd EY8.19%

FCF(TTM)2.23

FCFY7.2%

OCF(TTM)2.3

OCFY7.41%

SpS6.32

BVpS25.86

TBVpS16.82

PEG (NY)1.85

PEG (5Y)N/A

Profitability

		Industry Rank	Sector 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 Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF	1.5
Debt/EBITDA	N/A
Cap/Depr	32.96%
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

WACC14.28%

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)7.41%

EPS 3Y-10.36%

EPS 5Y-4.04%

EPS Q2Q%44.44%

EPS Next Y9.63%

EPS Next 2Y27.13%

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%

SEACOAST BANKING CORP/FL (SBCF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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