Seacoast Banking Corporation of Florida Fundamental Analysis (NASDAQ: SBCF)
Seacoast Banking Corporation of Florida Fundamental Analysis (NASDAQ: SBCF)
Seacoast Banking Corporation of Florida (NASDAQ: SBCF) shows moderate financial fundamentals with a PE ratio of 20.52, profit margin of 17.06%, and ROE of 5.61%. The company generates $1.0B in annual revenue with moderate year-over-year growth of 7.49%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 46.4/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze SBCF's fundamental strength across five key dimensions:
Efficiency Score
WeakSBCF struggles to generate sufficient returns from assets.
Valuation Score
ModerateSBCF shows balanced valuation metrics.
Growth Score
ExcellentSBCF delivers strong and consistent growth momentum.
Financial Health Score
ModerateSBCF shows balanced financial health with some risks.
Profitability Score
ModerateSBCF maintains healthy but balanced margins.
Key Financial Metrics
Is SBCF Expensive or Cheap?
P/E Ratio
SBCF trades at 20.52 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, SBCF's PEG of 11.15 indicates potential overvaluation.
Price to Book
The market values Seacoast Banking Corporation of Florida at 1.07 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 8.45 times EBITDA. This is generally considered low.
How Well Does SBCF Make Money?
Net Profit Margin
For every $100 in sales, Seacoast Banking Corporation of Florida keeps $17.06 as profit after all expenses.
Operating Margin
Core operations generate 18.89 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $5.61 in profit for every $100 of shareholder equity.
ROA
Seacoast Banking Corporation of Florida generates $0.76 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Seacoast Banking Corporation of Florida produces operating cash flow of $220.08M, showing steady but balanced cash generation.
Free Cash Flow
Seacoast Banking Corporation of Florida generates strong free cash flow of $208.68M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.15 in free cash annually.
FCF Yield
SBCF converts 6.25% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
20.52
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
11.15
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.07
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.49
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.43
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.31
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.06
vs 25 benchmark
ROA
Return on assets percentage
0.008
vs 25 benchmark
ROCE
Return on capital employed
0.04
vs 25 benchmark
How SBCF Stacks Against Its Sector Peers
| Metric | SBCF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 20.52 | 21.07 | Neutral |
| ROE | 5.61% | 647.00% | Weak |
| Net Margin | 17.06% | -1593.00% (disorted) | Strong |
| Debt/Equity | 0.43 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 0.31 | 911.99 | Weak Liquidity |
| ROA | 0.76% | -578.00% (disorted) | Weak |
SBCF outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Seacoast Banking Corporation of Florida's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
51.18%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
12.91%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
87.92%
Industry Style: Value, Dividend, Cyclical
High Growth