34.81 USD
+0.65 (+1.9%)
Last: Feb 4, 2026, 01:05 PM
Overall SBCF gets a fundamental rating of 3 out of 10. We evaluated SBCF against 383 industry peers in the Banks industry. Both the profitability and financial health of SBCF have multiple concerns. While showing a medium growth rate, SBCF is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- SBCF had positive earnings in the past year.
- In the past year SBCF had a positive cash flow from operations.
- Of the past 5 years SBCF 4 years were profitable.
- SBCF had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- The Return On Assets of SBCF (0.87%) is comparable to the rest of the industry.
- The Return On Equity of SBCF (6.08%) is worse than 72.32% 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
- Looking at the Profit Margin, with a value of 24.85%, SBCF is in line with its industry, outperforming 52.74% of the companies in the same industry.
- 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 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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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.
- SBCF's Debt to FCF ratio of 2.01 is in line compared to the rest of the industry. SBCF outperforms 48.56% of its industry peers.
- A Debt/Equity ratio of 0.14 indicates that SBCF is not too dependend on debt financing.
- The Debt to Equity ratio of SBCF (0.14) 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
WACC13.37%
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 18.47%, which is quite good.
- Measured over the past 5 years, SBCF shows a small growth in Earnings Per Share. The EPS has been growing by 5.40% on average per year.
EPS 1Y (TTM)18.47%
EPS 3Y3.66%
EPS 5Y5.4%
EPS Q2Q%-8.33%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%52.97%
3.2 Future
- SBCF is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.34% yearly.
- Based on estimates for the next years, SBCF will show a quite strong growth in Revenue. The Revenue will grow by 17.70% on average per year.
EPS Next Y37.75%
EPS Next 2Y22.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year30.67%
Revenue Next 2Y17.7%
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 18.72, 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 78.85% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.18. SBCF is valued slightly cheaper when compared to this.
- With a Price/Forward Earnings ratio of 13.59, SBCF is valued correctly.
- 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 66.32% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.51. SBCF is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.72 | ||
| Fwd PE | 13.59 |
4.2 Price Multiples
- 69.71% 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 | 19.89 | ||
| 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 22.34% in the coming years.
PEG (NY)0.5
PEG (5Y)3.47
EPS Next 2Y22.34%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- SBCF has a Yearly Dividend Yield of 2.28%.
- Compared to an average industry Dividend Yield of 2.64, 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 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
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 2Y22.34%
EPS Next 3YN/A
NASDAQ:SBCF (2/4/2026, 1:05:38 PM)
34.81
+0.65 (+1.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)04-22 2026-04-22
Inst Owners83.25%
Inst Owner Change-0.69%
Ins Owners0.97%
Ins Owner Change-3.62%
Market Cap3.41B
Revenue(TTM)N/A
Net Income(TTM)144.70M
Analysts75
Price Target35.8 (2.84%)
Short Float %4.18%
Short Ratio5.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
Yearly Dividend0.72
Dividend Growth(5Y)N/A
DP43.09%
Div Incr Years3
Div Non Decr Years3
Ex-Date03-13 2026-03-13 (0.19)
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)0%
PT rev (3m)7.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)23.94%
EPS NY rev (1m)0%
EPS NY rev (3m)13.18%
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 | 18.72 | ||
| Fwd PE | 13.59 | ||
| P/S | 5.85 | ||
| P/FCF | 19.89 | ||
| P/OCF | 19.07 | ||
| P/B | 1.43 | ||
| P/tB | 2.2 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.86
EY5.34%
EPS(NY)2.56
Fwd EY7.36%
FCF(TTM)1.75
FCFY5.03%
OCF(TTM)1.83
OCFY5.24%
SpS5.95
BVpS24.31
TBVpS15.82
PEG (NY)0.5
PEG (5Y)3.47
Graham Number31.9
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
WACC13.37%
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)18.47%
EPS 3Y3.66%
EPS 5Y5.4%
EPS Q2Q%-8.33%
EPS Next Y37.75%
EPS Next 2Y22.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%52.97%
Revenue Next Year30.67%
Revenue Next 2Y17.7%
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 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 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.
How profitable is SEACOAST BANKING CORP/FL (SBCF) stock?
SEACOAST BANKING CORP/FL (SBCF) has a profitability rating of 2 / 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 18.72 and the Price/Book (PB) ratio is 1.43.
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 37.75% in the next year.