SEACOAST BANKING CORP/FL(NASDAQ:SBCF) stock Fundamental Analysis

Fundamental Rating

Overall SBCF gets a fundamental rating of 3 out of 10. We evaluated SBCF against 405 industry peers in the Banks industry. Both the profitability and financial health of SBCF have multiple concerns. SBCF is valied quite expensively at the moment, while it does show a decent growth rate.

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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.

In the past 5 years SBCF has always been profitable.

SBCF had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

With a Return On Assets value of 0.77%, SBCF perfoms like the industry average, outperforming 46.87% of the companies in the same industry.

With a Return On Equity value of 5.31%, SBCF is not doing good in the industry: 73.18% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.77%
ROE	5.31%
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

With a Profit Margin value of 22.80%, SBCF perfoms like the industry average, outperforming 52.38% of the companies in the same industry.

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)	22.8%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The debt/assets ratio for SBCF has been reduced compared to a year ago.

2.2 Solvency

SBCF has a debt to FCF ratio of 1.98. This is a very positive value and a sign of high solvency as it would only need 1.98 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 1.98, SBCF is in the better half of the industry, outperforming 60.90% 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.

Looking at the Debt to Equity ratio, with a value of 0.14, SBCF is in the better half of the industry, outperforming 64.16% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	1.98
Altman-Z	N/A

ROIC/WACCN/A

WACC12.72%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

SBCF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.21%.

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.

The Revenue has decreased by -9.17% in the past year.

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)-14.21%

EPS 3Y-10.36%

EPS 5Y-4.04%

EPS Q2Q%11.63%

Revenue 1Y (TTM)-9.17%

Revenue growth 3Y14.13%

Revenue growth 5Y11.41%

Sales Q2Q%3.68%

3.2 Future

The Earnings Per Share is expected to grow by 12.73% on average over the next years. This is quite good.

SBCF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.50% yearly.

EPS Next Y9.54%

EPS Next 2Y12.73%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year10.42%

Revenue Next 2Y9.5%

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.

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4. Valuation

4.1 Price/Earnings Ratio

SBCF is valuated rather expensively with a Price/Earnings ratio of 17.94.

Compared to the rest of the industry, the Price/Earnings ratio of SBCF indicates a slightly more expensive valuation: SBCF is more expensive than 75.94% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 29.62, SBCF is valued a bit cheaper.

SBCF is valuated correctly with a Price/Forward Earnings ratio of 16.38.

71.93% of the companies in the same industry are cheaper than SBCF, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, SBCF is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	17.94
Fwd PE	16.38

4.2 Price Multiples

SBCF's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	15.03
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SBCF does not grow enough to justify the current Price/Earnings ratio.

SBCF's earnings are expected to grow with 12.73% in the coming years. This may justify a more expensive valuation.

PEG (NY)1.88

PEG (5Y)N/A

EPS Next 2Y12.73%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.47%, SBCF has a reasonable but not impressive dividend return.

SBCF's Dividend Yield is comparable with the industry average which is at 3.19.

SBCF's Dividend Yield is comparable with the S&P500 average which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	2.47%

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

SBCF pays out 52.87% of its income as dividend. This is a bit on the high side, but may be sustainable.

DP52.87%

EPS Next 2Y12.73%

EPS Next 3YN/A

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SEACOAST BANKING CORP/FL

NASDAQ:SBCF (2/21/2025, 8:00:01 PM)

After market: 28.17 0 (0%)

28.17

-0.97 (-3.33%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-27 2025-01-27/amc

Earnings (Next)04-23 2025-04-23/amc

Inst Owners87.09%

Inst Owner Change-93.47%

Ins Owners1.12%

Ins Owner Change-8.25%

Market Cap2.41B

Analysts75

Price Target30.6 (8.63%)

Short Float %1.54%

Short Ratio3.34

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.47%

Yearly Dividend0.77

Dividend Growth(5Y)N/A

DP52.87%

Div Incr Years3

Div Non Decr Years3

Ex-Date03-14 2025-03-14 (0.18)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)2.13%

Min EPS beat(2)-0.78%

Max EPS beat(2)5.04%

EPS beat(4)3

Avg EPS beat(4)3.74%

Min EPS beat(4)-0.78%

Max EPS beat(4)5.96%

EPS beat(8)6

Avg EPS beat(8)20.52%

EPS beat(12)7

Avg EPS beat(12)11.12%

EPS beat(16)10

Avg EPS beat(16)9.28%

Revenue beat(2)0

Avg Revenue beat(2)-1.38%

Min Revenue beat(2)-1.66%

Max Revenue beat(2)-1.1%

Revenue beat(4)0

Avg Revenue beat(4)-3.43%

Min Revenue beat(4)-7.32%

Max Revenue beat(4)-1.1%

Revenue beat(8)1

Avg Revenue beat(8)-3.3%

Revenue beat(12)2

Avg Revenue beat(12)-2.5%

Revenue beat(16)3

Avg Revenue beat(16)-2.09%

PT rev (1m)1.12%

PT rev (3m)5.88%

EPS NQ rev (1m)0.61%

EPS NQ rev (3m)0.61%

EPS NY rev (1m)5.51%

EPS NY rev (3m)5.03%

Revenue NQ rev (1m)0.09%

Revenue NQ rev (3m)0.09%

Revenue NY rev (1m)1.97%

Revenue NY rev (3m)1.84%

Valuation

		Industry Rank	Sector Rank
PE	17.94
Fwd PE	16.38
P/S	4.72
P/FCF	15.03
P/OCF	14.62
P/B	1.1
P/tB	1.74
EV/EBITDA	N/A

EPS(TTM)1.57

EY5.57%

EPS(NY)1.72

Fwd EY6.1%

FCF(TTM)1.87

FCFY6.65%

OCF(TTM)1.93

OCFY6.84%

SpS5.97

BVpS25.64

TBVpS16.17

PEG (NY)1.88

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.77%
ROE	5.31%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.8%
GM	N/A
FCFM	31.4%

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-Score8

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	1.98
Debt/EBITDA	N/A
Cap/Depr	30.51%
Cap/Sales	0.88%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	137.7%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC12.72%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-14.21%

EPS 3Y-10.36%

EPS 5Y-4.04%

EPS Q2Q%11.63%

EPS Next Y9.54%

EPS Next 2Y12.73%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-9.17%

Revenue growth 3Y14.13%

Revenue growth 5Y11.41%

Sales Q2Q%3.68%

Revenue Next Year10.42%

Revenue Next 2Y9.5%

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 1Y1.04%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-2.59%

OCF growth 3YN/A

OCF growth 5YN/A

SEACOAST BANKING CORP/FL (SBCF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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