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SEACOAST BANKING CORP/FL (SBCF) Stock Fundamental Analysis

NASDAQ:SBCF - Nasdaq - US8117078019 - Common Stock - Currency: USD

29.37  +0.78 (+2.73%)

Premarket: 29.37 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to SBCF. SBCF was compared to 395 industry peers in the Banks industry. SBCF may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, SBCF is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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3

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

SBCF's Return On Assets of 0.80% is in line compared to the rest of the industry. SBCF outperforms 47.59% of its industry peers.
The Return On Equity of SBCF (5.67%) is worse than 73.16% of its industry peers.
Industry RankSector 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
SBCF Yearly ROA, ROE, ROICSBCF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

SBCF has a Profit Margin (23.83%) which is in line with 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 RankSector 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
SBCF Yearly Profit, Operating, Gross MarginsSBCF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

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.
SBCF Yearly Shares OutstandingSBCF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
SBCF Yearly Total Debt VS Total AssetsSBCF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

SBCF has a debt to FCF ratio of 1.71. This is a very positive value and a sign of high solvency as it would only need 1.71 years to pay back of all of its debts.
SBCF has a Debt to FCF ratio of 1.71. This is comparable to the rest of the industry: SBCF outperforms 54.94% 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.
Looking at the Debt to Equity ratio, with a value of 0.14, SBCF is in the better half of the industry, outperforming 60.25% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.71
Altman-Z N/A
ROIC/WACCN/A
WACC15.01%
SBCF Yearly LT Debt VS Equity VS FCFSBCF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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6

3. Growth

3.1 Past

SBCF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.13%.
Measured over the past years, SBCF shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.04% on average per year.
SBCF shows a decrease in Revenue. In the last year, the revenue decreased by -1.65%.
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)-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

SBCF is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.46% yearly.
SBCF is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.62% yearly.
EPS Next Y7.06%
EPS Next 2Y22.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.51%
Revenue Next 2Y21.62%
Revenue Next 3YN/A
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.
SBCF Yearly Revenue VS EstimatesSBCF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
SBCF Yearly EPS VS EstimatesSBCF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 18.59, the valuation of SBCF can be described as rather expensive.
Based on the Price/Earnings ratio, SBCF is valued a bit more expensive than 76.96% of the companies in the same industry.
When comparing the Price/Earnings ratio of SBCF to the average of the S&P500 Index (27.28), we can say SBCF is valued slightly cheaper.
SBCF is valuated correctly with a Price/Forward Earnings ratio of 12.47.
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 67.34% 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 (21.76), we can say SBCF is valued slightly cheaper.
Industry RankSector Rank
PE 18.59
Fwd PE 12.47
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 is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 14.05
EV/EBITDA N/A
SBCF Per share dataSBCF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
SBCF's earnings are expected to grow with 22.46% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.63
PEG (5Y)N/A
EPS Next 2Y22.46%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

SBCF has a Yearly Dividend Yield of 2.70%.
Compared to an average industry Dividend Yield of 3.47, SBCF has a dividend in line with its industry peers.
SBCF's Dividend Yield is comparable with the S&P500 average which is at 2.42.
Industry RankSector Rank
Dividend Yield 2.7%

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 0.2 0.4 0.6

5.3 Sustainability

SBCF pays out 48.87% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP48.87%
EPS Next 2Y22.46%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
SBCF Dividend Payout.SBCF Dividend Payout, showing the Payout Ratio.SBCF Dividend Payout.PayoutRetained Earnings

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SEACOAST BANKING CORP/FL

NASDAQ:SBCF (7/2/2025, 8:00:02 PM)

Premarket: 29.37 0 (0%)

29.37

+0.78 (+2.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-24 2025-07-24/amc
Inst Owners87.73%
Inst Owner Change2.54%
Ins Owners1.1%
Ins Owner Change18.14%
Market Cap2.53B
Analysts75
Price Target29.41 (0.14%)
Short Float %2.32%
Short Ratio3.92
Dividend
Industry RankSector Rank
Dividend Yield 2.7%
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)1.76%
PT rev (3m)-6.49%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.45%
EPS NY rev (1m)-4.38%
EPS NY rev (3m)-5.38%
Revenue NQ rev (1m)-0.13%
Revenue NQ rev (3m)2.27%
Revenue NY rev (1m)2.32%
Revenue NY rev (3m)3.99%
Valuation
Industry RankSector Rank
PE 18.59
Fwd PE 12.47
P/S 4.76
P/FCF 14.05
P/OCF 13.56
P/B 1.13
P/tB 1.76
EV/EBITDA N/A
EPS(TTM)1.58
EY5.38%
EPS(NY)2.35
Fwd EY8.02%
FCF(TTM)2.09
FCFY7.12%
OCF(TTM)2.17
OCFY7.37%
SpS6.17
BVpS25.93
TBVpS16.64
PEG (NY)2.63
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC15.01%
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 Y7.06%
EPS Next 2Y22.46%
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 Year17.51%
Revenue Next 2Y21.62%
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%