SEACOAST BANKING CORP/FL (SBCF) Fundamental Analysis & Valuation

NASDAQ:SBCF • US8117078019

Current stock price

31.25 USD
-0.77 (-2.4%)
At close:
31.25 USD
0 (0%)
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This SBCF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. SBCF Profitability Analysis

1.1 Basic Checks

  • In the past year SBCF was profitable.
  • In the past year SBCF had a positive cash flow from operations.
  • In the past 5 years SBCF has always been profitable.
  • In the past 5 years SBCF always reported a positive cash flow from operatings.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • SBCF has a Return On Assets of 0.70%. This is in the lower half of the industry: SBCF underperforms 74.80% of its industry peers.
  • Looking at the Return On Equity, with a value of 4.74%, SBCF is doing worse than 83.82% of the companies in the same industry.
Industry RankSector Rank
ROA 0.7%
ROE 4.74%
ROIC N/A
ROA(3y)0.74%
ROA(5y)0.87%
ROE(3y)5.07%
ROE(5y)6.27%
ROIC(3y)N/A
ROIC(5y)N/A
SBCF Yearly ROA, ROE, ROICSBCF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a Profit Margin value of 22.20%, SBCF is not doing good in the industry: 66.05% of the companies in the same industry are doing better.
  • SBCF's Profit Margin has declined in the last couple of years.
  • 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) 22.2%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.41%
PM growth 5Y-1.54%
GM growth 3YN/A
GM growth 5YN/A
SBCF Yearly Profit, Operating, Gross MarginsSBCF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. SBCF Health Analysis

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.
  • Compared to 5 years ago, SBCF has more shares outstanding
  • The debt/assets ratio for SBCF is higher compared to a year ago.
SBCF Yearly Shares OutstandingSBCF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
SBCF Yearly Total Debt VS Total AssetsSBCF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.2 Solvency

  • The Debt to FCF ratio of SBCF is 2.80, which is a good value as it means it would take SBCF, 2.80 years of fcf income to pay off all of its debts.
  • SBCF has a Debt to FCF ratio (2.80) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.16 indicates that SBCF is not too dependend on debt financing.
  • SBCF has a Debt to Equity ratio (0.16) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 2.8
Altman-Z N/A
ROIC/WACCN/A
WACC12.18%
SBCF Yearly LT Debt VS Equity VS FCFSBCF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. SBCF Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 18.47% over the past year.
  • SBCF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.40% yearly.
  • The Revenue has grown by 26.63% in the past year. This is a very strong growth!
  • The Revenue has been growing by 15.01% on average over the past years. This is quite good.
EPS 1Y (TTM)18.47%
EPS 3Y3.66%
EPS 5Y5.4%
EPS Q2Q%-8.33%
Revenue 1Y (TTM)26.63%
Revenue growth 3Y14.72%
Revenue growth 5Y15.01%
Sales Q2Q%52.97%

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 22.79% on average per year.
  • SBCF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.84% yearly.
EPS Next Y38.19%
EPS Next 2Y22.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year30.63%
Revenue Next 2Y17.84%
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 stable.
SBCF Yearly Revenue VS EstimatesSBCF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
SBCF Yearly EPS VS EstimatesSBCF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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3

4. SBCF Valuation Analysis

4.1 Price/Earnings Ratio

  • SBCF is valuated correctly with a Price/Earnings ratio of 16.80.
  • 79.31% of the companies in the same industry are cheaper than SBCF, based on the Price/Earnings ratio.
  • SBCF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.42.
  • A Price/Forward Earnings ratio of 12.16 indicates a correct valuation of SBCF.
  • 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 67.37% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.24. SBCF is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 16.8
Fwd PE 12.16
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

  • Based on the Price/Free Cash Flow ratio, SBCF is valued a bit more expensive than the industry average as 70.03% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 17.06
EV/EBITDA N/A
SBCF Per share dataSBCF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • SBCF's 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 22.79% in the coming years.
PEG (NY)0.44
PEG (5Y)3.11
EPS Next 2Y22.79%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. SBCF Dividend Analysis

5.1 Amount

  • SBCF has a Yearly Dividend Yield of 2.37%. Purely for dividend investing, there may be better candidates out there.
  • SBCF's Dividend Yield is comparable with the industry average which is at 2.57.
  • SBCF's Dividend Yield is a higher than the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 2.37%

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 Years4
Div Non Decr Years4
SBCF Yearly Dividends per shareSBCF Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 46.75% of the earnings are spent on dividend by SBCF. This is a bit on the high side, but may be sustainable.
DP46.75%
EPS Next 2Y22.79%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
SBCF Dividend Payout.SBCF Dividend Payout, showing the Payout Ratio.SBCF Dividend Payout.PayoutRetained Earnings

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SBCF Fundamentals: All Metrics, Ratios and Statistics

SEACOAST BANKING CORP/FL

NASDAQ:SBCF (4/24/2026, 8:07:35 PM)

After market: 31.25 0 (0%)

31.25

-0.77 (-2.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners86.56%
Inst Owner Change0.12%
Ins Owners0.99%
Ins Owner Change8.72%
Market Cap3.05B
Revenue(TTM)652.63M
Net Income(TTM)144.88M
Analysts75
Price Target36.82 (17.82%)
Short Float %5.3%
Short Ratio6.49
Dividend
Industry RankSector Rank
Dividend Yield 2.37%
Yearly Dividend0.74
Dividend Growth(5Y)N/A
DP46.75%
Div Incr Years4
Div Non Decr Years4
Ex-Date03-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.01%
Min EPS beat(2)-13.52%
Max EPS beat(2)13.54%
EPS beat(4)2
Avg EPS beat(4)3.69%
Min EPS beat(4)-13.52%
Max EPS beat(4)20.43%
EPS beat(8)5
Avg EPS beat(8)8.19%
EPS beat(12)8
Avg EPS beat(12)7.69%
EPS beat(16)9
Avg EPS beat(16)10.83%
Revenue beat(2)0
Avg Revenue beat(2)-0.68%
Min Revenue beat(2)-0.95%
Max Revenue beat(2)-0.41%
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)-0.83%
Revenue beat(12)2
Avg Revenue beat(12)-2.22%
Revenue beat(16)3
Avg Revenue beat(16)-1.99%
PT rev (1m)2.85%
PT rev (3m)7.49%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1%
EPS NY rev (1m)0.32%
EPS NY rev (3m)0.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.57%
Valuation
Industry RankSector Rank
PE 16.8
Fwd PE 12.16
P/S 4.68
P/FCF 17.06
P/OCF 16.23
P/B 1
P/tB 1.67
EV/EBITDA N/A
EPS(TTM)1.86
EY5.95%
EPS(NY)2.57
Fwd EY8.23%
FCF(TTM)1.83
FCFY5.86%
OCF(TTM)1.93
OCFY6.16%
SpS6.68
BVpS31.29
TBVpS18.69
PEG (NY)0.44
PEG (5Y)3.11
Graham Number36.1869 (15.8%)
Profitability
Industry RankSector Rank
ROA 0.7%
ROE 4.74%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.2%
GM N/A
FCFM 27.41%
ROA(3y)0.74%
ROA(5y)0.87%
ROE(3y)5.07%
ROE(5y)6.27%
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-3.41%
PM growth 5Y-1.54%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 2.8
Debt/EBITDA N/A
Cap/Depr 94.24%
Cap/Sales 1.41%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 123.47%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC12.18%
ROIC/WACCN/A
Cap/Depr(3y)88.64%
Cap/Depr(5y)110.14%
Cap/Sales(3y)1.33%
Cap/Sales(5y)1.63%
Profit Quality(3y)134.57%
Profit Quality(5y)139.33%
High Growth Momentum
Growth
EPS 1Y (TTM)18.47%
EPS 3Y3.66%
EPS 5Y5.4%
EPS Q2Q%-8.33%
EPS Next Y38.19%
EPS Next 2Y22.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)26.63%
Revenue growth 3Y14.72%
Revenue growth 5Y15.01%
Sales Q2Q%52.97%
Revenue Next Year30.63%
Revenue Next 2Y17.84%
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 1Y1.72%
FCF growth 3Y-0.81%
FCF growth 5Y24.8%
OCF growth 1Y4.54%
OCF growth 3Y-1.35%
OCF growth 5Y25.38%

SEACOAST BANKING CORP/FL / SBCF Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for SEACOAST BANKING CORP/FL?

ChartMill assigns a fundamental rating of 3 / 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.


Can you provide the profitability details for SEACOAST BANKING CORP/FL?

SEACOAST BANKING CORP/FL (SBCF) has a profitability rating of 2 / 10.


What is the valuation of SEACOAST BANKING CORP/FL based on its PE and PB ratios?

The Price/Earnings (PE) ratio for SEACOAST BANKING CORP/FL (SBCF) is 16.8 and the Price/Book (PB) ratio is 1.


Can you provide the financial health for SBCF stock?

The financial health rating of SEACOAST BANKING CORP/FL (SBCF) is 2 / 10.