31.61 USD
+0.19 (+0.6%)
31.61 USD
0 (0%)
Taking everything into account, SBCF scores 4 out of 10 in our fundamental rating. SBCF was compared to 387 industry peers in the Banks industry. Both the profitability and financial health of SBCF have multiple concerns. SBCF is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
In the past year SBCF was profitable.
SBCF had a positive operating cash flow in the past year.
SBCF had positive earnings in each of the past 5 years.
In the past 5 years SBCF always reported a positive cash flow from operatings.
1.2 Ratios
SBCF has a Return On Assets (0.87%) which is in line with its industry peers.
SBCF's Return On Equity of 6.08% is on the low side compared to the rest of the industry. SBCF is outperformed by 71.91% 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 has a Profit Margin of 24.85%. This is comparable to the rest of the industry: SBCF outperforms 53.09% 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) | 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
The number of shares outstanding for SBCF has been increased compared to 5 years ago.
SBCF has a better debt/assets ratio than last year.
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.
With a Debt to FCF ratio value of 2.01, SBCF perfoms like the industry average, outperforming 48.20% 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.
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
WACC13.59%
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.
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 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
SBCF is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.89% yearly.
Based on estimates for the next years, SBCF will show a very strong growth in Revenue. The Revenue will grow by 20.05% on average per year.
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 16.64, SBCF is valued correctly.
Based on the Price/Earnings ratio, SBCF is valued a bit more expensive than the industry average as 73.71% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.60, SBCF is valued a bit cheaper.
A Price/Forward Earnings ratio of 12.33 indicates a correct valuation of SBCF.
Based on the Price/Forward Earnings ratio, SBCF is valued a bit more expensive than 64.95% of the companies in the same industry.
SBCF is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.23, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.64 | ||
| Fwd PE | 12.33 |
4.2 Price Multiples
69.59% of the companies in the same industry are cheaper than SBCF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.06 | ||
| 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)0.63
PEG (5Y)N/A
EPS Next 2Y27.78%
EPS Next 3Y20.89%
5. Dividend
5.1 Amount
SBCF has a Yearly Dividend Yield of 2.42%.
SBCF's Dividend Yield is comparable with the industry average which is at 2.78.
Compared to an average S&P500 Dividend Yield of 1.94, SBCF pays a bit more dividend than the S&P500 average.
| 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
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%
31.61
+0.19 (+0.6%)
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 Cap3.09B
Revenue(TTM)582.24M
Net Income(TTM)144.70M
Analysts75
Price Target34.26 (8.38%)
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 | 16.64 | ||
| Fwd PE | 12.33 | ||
| P/S | 5.31 | ||
| P/FCF | 18.06 | ||
| P/OCF | 17.32 | ||
| P/B | 1.3 | ||
| P/tB | 2 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.9
EY6.01%
EPS(NY)2.56
Fwd EY8.11%
FCF(TTM)1.75
FCFY5.54%
OCF(TTM)1.83
OCFY5.77%
SpS5.95
BVpS24.31
TBVpS15.82
PEG (NY)0.63
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
WACC13.59%
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 16.64 and the Price/Book (PB) ratio is 1.3.
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.