32.16 USD
-0.33 (-1.02%)
Taking everything into account, SBCF scores 4 out of 10 in our fundamental rating. SBCF was compared to 388 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
In the past year SBCF was profitable.
In the past year SBCF had a positive cash flow from operations.
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
The Return On Assets of SBCF (0.87%) is comparable to the rest of the industry.
With a Return On Equity value of 6.08%, SBCF is not doing good in the industry: 72.68% of the companies in the same industry are doing better.
| 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 53.09% of its industry peers.
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.
The number of shares outstanding for SBCF has been increased compared to 1 year ago.
Compared to 5 years ago, SBCF has more shares outstanding
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.
SBCF has a Debt to FCF ratio (2.01) which is in line with its industry peers.
A Debt/Equity ratio of 0.14 indicates that SBCF is not too dependend on debt financing.
SBCF's Debt to Equity ratio of 0.14 is in line compared to the rest of the industry. SBCF outperforms 55.67% of its industry peers.
| 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
SBCF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.00%, which is quite impressive.
The Earnings Per Share has been decreasing by -4.04% on average over the past years.
Looking at the last year, SBCF shows a quite strong growth in Revenue. The Revenue has grown by 14.01% in the last year.
The Revenue has been growing by 11.41% on average over the past years. This is quite good.
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.
SBCF is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.09% yearly.
EPS Next Y26.57%
EPS Next 2Y27.78%
EPS Next 3Y20.89%
EPS Next 5YN/A
Revenue Next Year26.24%
Revenue Next 2Y28.15%
Revenue Next 3Y20.09%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
SBCF is valuated correctly with a Price/Earnings ratio of 16.93.
Based on the Price/Earnings ratio, SBCF is valued a bit more expensive than 74.74% of the companies in the same industry.
When comparing the Price/Earnings ratio of SBCF to the average of the S&P500 Index (26.59), we can say SBCF is valued slightly cheaper.
SBCF is valuated correctly with a Price/Forward Earnings ratio of 12.55.
66.49% of the companies in the same industry are cheaper than SBCF, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 24.03. SBCF is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.93 | ||
| Fwd PE | 12.55 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SBCF is valued a bit more expensive than the industry average as 68.56% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.37 | ||
| EV/EBITDA | N/A |
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.
SBCF's earnings are expected to grow with 20.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.64
PEG (5Y)N/A
EPS Next 2Y27.78%
EPS Next 3Y20.89%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.38%, SBCF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.74, SBCF has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.88, SBCF pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
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
SBCF pays out 43.09% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP43.09%
EPS Next 2Y27.78%
EPS Next 3Y20.89%
NASDAQ:SBCF (12/26/2025, 2:18:21 PM)
32.16
-0.33 (-1.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners83.2%
Inst Owner Change4.64%
Ins Owners0.97%
Ins Owner Change2.54%
Market Cap3.15B
Revenue(TTM)582.24M
Net Income(TTM)144.70M
Analysts75
Price TargetN/A
Short Float %4.06%
Short Ratio6.36
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
Yearly Dividend0.72
Dividend Growth(5Y)N/A
DP43.09%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)5.98%
PT rev (3m)7.69%
EPS NQ rev (1m)9.45%
EPS NQ rev (3m)30.67%
EPS NY rev (1m)4.7%
EPS NY rev (3m)15.45%
Revenue NQ rev (1m)0.68%
Revenue NQ rev (3m)10.82%
Revenue NY rev (1m)0.38%
Revenue NY rev (3m)3.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.93 | ||
| Fwd PE | 12.55 | ||
| P/S | 5.4 | ||
| P/FCF | 18.37 | ||
| P/OCF | 17.62 | ||
| P/B | 1.32 | ||
| P/tB | 2.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.9
EY5.91%
EPS(NY)2.56
Fwd EY7.97%
FCF(TTM)1.75
FCFY5.44%
OCF(TTM)1.83
OCFY5.67%
SpS5.95
BVpS24.31
TBVpS15.82
PEG (NY)0.64
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 2Y28.15%
Revenue Next 3Y20.09%
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.
Can you provide the valuation status for SEACOAST BANKING CORP/FL?
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.
Can you provide the PE and PB ratios for SBCF stock?
The Price/Earnings (PE) ratio for SEACOAST BANKING CORP/FL (SBCF) is 16.93 and the Price/Book (PB) ratio is 1.32.
Can you provide the financial health for SBCF stock?
The financial health rating of SEACOAST BANKING CORP/FL (SBCF) is 2 / 10.