32.71 USD
-0.32 (-0.97%)
32.71 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 valued quite expensively, but it does show have an excellent growth rating.
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
SBCF has a Return On Assets of 0.87%. This is comparable to the rest of the industry: SBCF outperforms 46.51% of its industry peers.
SBCF has a worse Return On Equity (6.08%) than 72.09% 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
SBCF's Profit Margin of 24.85% is in line compared 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.
SBCF has more shares outstanding than it did 1 year ago.
The number of shares outstanding for SBCF has been increased compared to 5 years ago.
Compared to 1 year ago, SBCF has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of SBCF is 2.01, which is a good value as it means it would take SBCF, 2.01 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.01, SBCF is in line with its industry, outperforming 48.06% 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.
With a Debt to Equity ratio value of 0.14, SBCF perfoms like the industry average, outperforming 55.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 2.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.44%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 25.00% 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.
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
Based on estimates for the next years, SBCF will show a very strong growth in Earnings Per Share. The EPS will grow by 20.89% on average per year.
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 17.22, SBCF is valued on the expensive side.
Compared to the rest of the industry, the Price/Earnings ratio of SBCF indicates a slightly more expensive valuation: SBCF is more expensive than 74.68% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.19. SBCF is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 12.76, the valuation of SBCF can be described as correct.
Based on the Price/Forward Earnings ratio, SBCF is valued a bit more expensive than 65.89% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.88. SBCF is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.22 | ||
| Fwd PE | 12.76 |
4.2 Price Multiples
SBCF's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. SBCF is more expensive than 70.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.69 | ||
| 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.
A more expensive valuation may be justified as SBCF's earnings are expected to grow with 20.89% in the coming years.
PEG (NY)0.65
PEG (5Y)N/A
EPS Next 2Y27.78%
EPS Next 3Y20.89%
5. Dividend
5.1 Amount
SBCF has a Yearly Dividend Yield of 2.30%.
SBCF's Dividend Yield is comparable with the industry average which is at 2.86.
Compared to an average S&P500 Dividend Yield of 1.90, SBCF pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
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
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 2Y27.78%
EPS Next 3Y20.89%
32.71
-0.32 (-0.97%)
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 Cap3.20B
Revenue(TTM)582.24M
Net Income(TTM)144.70M
Analysts75
Price Target34.26 (4.74%)
Short Float %4.1%
Short Ratio5.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
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 | 17.22 | ||
| Fwd PE | 12.76 | ||
| P/S | 5.5 | ||
| P/FCF | 18.69 | ||
| P/OCF | 17.92 | ||
| P/B | 1.35 | ||
| P/tB | 2.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.9
EY5.81%
EPS(NY)2.56
Fwd EY7.84%
FCF(TTM)1.75
FCFY5.35%
OCF(TTM)1.83
OCFY5.58%
SpS5.95
BVpS24.31
TBVpS15.82
PEG (NY)0.65
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
WACC13.44%
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 17.22 and the Price/Book (PB) ratio is 1.35.
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.