32.54 USD
+0.01 (+0.03%)
32.54 USD
0 (0%)
Overall SBCF gets a fundamental rating of 4 out of 10. We evaluated SBCF against 387 industry peers in the Banks industry. SBCF has a bad profitability rating. Also its financial health evaluation is rather negative. SBCF shows excellent growth, but is valued quite expensive already.
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.
Each year in the past 5 years SBCF has been profitable.
SBCF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.87%, SBCF is in line with its industry, outperforming 46.51% of the companies in the same industry.
With a Return On Equity value of 6.08%, SBCF is not doing good in the industry: 72.09% of the companies in the same industry are doing better.
| 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
SBCF has a Profit Margin of 24.85%. This is comparable to the rest of the industry: SBCF outperforms 52.97% of its industry peers.
In the last couple of years the Profit Margin of SBCF has declined.
SBCF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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
Compared to 5 years ago, SBCF has more shares outstanding
The debt/assets ratio for SBCF has been reduced compared to a year ago.
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.
The Debt to FCF ratio of SBCF (2.01) is comparable to the rest of the industry.
SBCF has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
SBCF has a Debt to Equity ratio (0.14) which 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.
SBCF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.01%.
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)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
The Earnings Per Share is expected to grow by 20.89% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 20.05% on average over the next years. This is a very strong growth
EPS Next Y26.57%
EPS Next 2Y27.78%
EPS Next 3Y20.89%
EPS Next 5YN/A
Revenue Next Year26.24%
Revenue Next 2Y28.05%
Revenue Next 3Y20.05%
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
Based on the Price/Earnings ratio of 17.13, the valuation of SBCF can be described as rather expensive.
74.94% of the companies in the same industry are cheaper than SBCF, based on the Price/Earnings ratio.
SBCF is valuated rather cheaply when we compare the Price/Earnings ratio to 27.17, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 12.69, which indicates a correct valuation of SBCF.
66.41% of the companies in the same industry are cheaper than SBCF, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of SBCF to the average of the S&P500 Index (23.79), we can say SBCF is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.13 | ||
| Fwd PE | 12.69 |
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 70.54% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.59 | ||
| EV/EBITDA | N/A |
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 20.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.64
PEG (5Y)N/A
EPS Next 2Y27.78%
EPS Next 3Y20.89%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.42%, SBCF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.78, 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 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.42% |
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
SBCF pays out 43.09% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP43.09%
EPS Next 2Y27.78%
EPS Next 3Y20.89%
32.54
+0.01 (+0.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners83.25%
Inst Owner Change0%
Ins Owners0.97%
Ins Owner Change2.54%
Market Cap3.18B
Revenue(TTM)582.24M
Net Income(TTM)144.70M
Analysts75
Price Target34.26 (5.29%)
Short Float %4.1%
Short Ratio5.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.42% |
Yearly Dividend0.72
Dividend Growth(5Y)N/A
DP43.09%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
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)1%
PT rev (3m)8.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)30.67%
EPS NY rev (1m)0%
EPS NY rev (3m)13.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)10.82%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.13 | ||
| Fwd PE | 12.69 | ||
| P/S | 5.47 | ||
| P/FCF | 18.59 | ||
| P/OCF | 17.83 | ||
| P/B | 1.34 | ||
| P/tB | 2.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.9
EY5.84%
EPS(NY)2.56
Fwd EY7.88%
FCF(TTM)1.75
FCFY5.38%
OCF(TTM)1.83
OCFY5.61%
SpS5.95
BVpS24.31
TBVpS15.82
PEG (NY)0.64
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 Y26.57%
EPS Next 2Y27.78%
EPS Next 3Y20.89%
EPS Next 5YN/A
Revenue 1Y (TTM)14.01%
Revenue growth 3Y14.13%
Revenue growth 5Y11.41%
Sales Q2Q%20.67%
Revenue Next Year26.24%
Revenue Next 2Y28.05%
Revenue Next 3Y20.05%
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.
What is the valuation status of SEACOAST BANKING CORP/FL (SBCF) stock?
ChartMill assigns a valuation rating of 3 / 10 to SEACOAST BANKING CORP/FL (SBCF). This can be considered as Overvalued.
How profitable is SEACOAST BANKING CORP/FL (SBCF) stock?
SEACOAST BANKING CORP/FL (SBCF) has a profitability rating of 3 / 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 17.13 and the Price/Book (PB) ratio is 1.34.
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 26.57% in the next year.