SBCF Fundamental Analysis - SEACOAST BANKING CORP/FL

Fundamental Rating

Overall SBCF gets a fundamental rating of 4 out of 10. We evaluated SBCF against 396 industry peers in the Banks industry. Both the profitability and financial health of SBCF have multiple concerns. SBCF is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year SBCF was profitable.

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

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.

1.2 Ratios

SBCF has a Return On Assets (0.80%) which is in line with its industry peers.

SBCF has a worse Return On Equity (5.67%) than 72.98% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.8%
ROE	5.67%
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

The Profit Margin of SBCF (23.83%) is comparable to the rest of the 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)	23.83%
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

Compared to 5 years ago, SBCF has more shares outstanding

SBCF has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of SBCF is 1.71, which is an excellent value as it means it would take SBCF, only 1.71 years of fcf income to pay off all of its debts.

With a Debt to FCF ratio value of 1.71, SBCF perfoms like the industry average, outperforming 54.80% of the companies in the same industry.

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 better than 60.35% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	1.71
Altman-Z	N/A

ROIC/WACCN/A

WACC15.32%

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 for SBCF have decreased strongly by -14.13% in the last 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 decrease in Revenue. The Revenue has decreased by -1.65% 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)-14.13%

EPS 3Y-10.36%

EPS 5Y-4.04%

EPS Q2Q%2.7%

Revenue 1Y (TTM)-1.65%

Revenue growth 3Y14.13%

Revenue growth 5Y11.41%

Sales Q2Q%12.04%

3.2 Future

Based on estimates for the next years, SBCF will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.78% on average per year.

Based on estimates for the next years, SBCF will show a quite strong growth in Revenue. The Revenue will grow by 18.33% on average per year.

EPS Next Y11.97%

EPS Next 2Y14.78%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year15.72%

Revenue Next 2Y18.33%

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

With a Price/Earnings ratio of 16.39, SBCF is valued correctly.

Compared to the rest of the industry, the Price/Earnings ratio of SBCF indicates a slightly more expensive valuation: SBCF is more expensive than 73.48% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 26.52. SBCF is valued slightly cheaper when compared to this.

With a Price/Forward Earnings ratio of 12.52, SBCF is valued correctly.

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 68.94% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of SBCF to the average of the S&P500 Index (22.25), we can say SBCF is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	16.39
Fwd PE	12.52

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of SBCF is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	12.39
EV/EBITDA	N/A

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 14.78% in the coming years. This may justify a more expensive valuation.

PEG (NY)1.37

PEG (5Y)N/A

EPS Next 2Y14.78%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

SBCF has a Yearly Dividend Yield of 2.83%.

Compared to an average industry Dividend Yield of 3.50, SBCF has a dividend in line with its industry peers.

SBCF's Dividend Yield is comparable with the S&P500 average which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	2.83%

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

48.87% of the earnings are spent on dividend by SBCF. This is a bit on the high side, but may be sustainable.

DP48.87%

EPS Next 2Y14.78%

EPS Next 3YN/A

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SEACOAST BANKING CORP/FL

NASDAQ:SBCF (6/6/2025, 8:26:52 PM)

After market: 25.9 0 (0%)

25.9

+0.43 (+1.69%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/amc

Earnings (Next)07-23 2025-07-23/amc

Inst Owners87.09%

Inst Owner Change2.54%

Ins Owners1.12%

Ins Owner Change21.06%

Market Cap2.23B

Analysts75

Price Target29.24 (12.9%)

Short Float %2.02%

Short Ratio3.68

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.83%

Yearly Dividend0.72

Dividend Growth(5Y)N/A

DP48.87%

Div Incr Years3

Div Non Decr Years3

Ex-Date06-13 2025-06-13 (0.18)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)18.03%

Min EPS beat(2)-5.68%

Max EPS beat(2)41.74%

EPS beat(4)2

Avg EPS beat(4)10.08%

Min EPS beat(4)-5.68%

Max EPS beat(4)41.74%

EPS beat(8)6

Avg EPS beat(8)9.29%

EPS beat(12)7

Avg EPS beat(12)14.62%

EPS beat(16)9

Avg EPS beat(16)9.58%

Revenue beat(2)1

Avg Revenue beat(2)-0.45%

Min Revenue beat(2)-0.95%

Max Revenue beat(2)0.05%

Revenue beat(4)1

Avg Revenue beat(4)-0.91%

Min Revenue beat(4)-1.66%

Max Revenue beat(4)0.05%

Revenue beat(8)1

Avg Revenue beat(8)-2.96%

Revenue beat(12)2

Avg Revenue beat(12)-2.54%

Revenue beat(16)4

Avg Revenue beat(16)-2.03%

PT rev (1m)-3.37%

PT rev (3m)-6.52%

EPS NQ rev (1m)0%

EPS NQ rev (3m)4.52%

EPS NY rev (1m)-0.09%

EPS NY rev (3m)2.22%

Revenue NQ rev (1m)-0.13%

Revenue NQ rev (3m)3.62%

Revenue NY rev (1m)0.77%

Revenue NY rev (3m)2.41%

Valuation

		Industry Rank	Sector Rank
PE	16.39
Fwd PE	12.52
P/S	4.2
P/FCF	12.39
P/OCF	11.96
P/B	1
P/tB	1.56
EV/EBITDA	N/A

EPS(TTM)1.58

EY6.1%

EPS(NY)2.07

Fwd EY7.99%

FCF(TTM)2.09

FCFY8.07%

OCF(TTM)2.17

OCFY8.36%

SpS6.17

BVpS25.93

TBVpS16.64

PEG (NY)1.37

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.8%
ROE	5.67%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.83%
GM	N/A
FCFM	33.88%

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-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	1.71
Debt/EBITDA	N/A
Cap/Depr	37.9%
Cap/Sales	1.22%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	142.16%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC15.32%

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)-14.13%

EPS 3Y-10.36%

EPS 5Y-4.04%

EPS Q2Q%2.7%

EPS Next Y11.97%

EPS Next 2Y14.78%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-1.65%

Revenue growth 3Y14.13%

Revenue growth 5Y11.41%

Sales Q2Q%12.04%

Revenue Next Year15.72%

Revenue Next 2Y18.33%

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 1Y31.4%

FCF growth 3Y5.38%

FCF growth 5Y8.83%

OCF growth 1Y20.62%

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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