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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.74
SBCF's Cash to Debt is ranked higher than
53% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. SBCF: 1.74 )
Ranked among companies with meaningful Cash to Debt only.
SBCF' s 10-Year Cash to Debt Range
Min: 0.33  Med: 1.28 Max: No Debt
Current: 1.74
Equity to Asset 0.10
SBCF's Equity to Asset is ranked higher than
52% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SBCF: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
SBCF' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.08 Max: 0.1
Current: 0.1
0.06
0.1
Interest Coverage 1.91
SBCF's Interest Coverage is ranked higher than
55% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. SBCF: 1.91 )
Ranked among companies with meaningful Interest Coverage only.
SBCF' s 10-Year Interest Coverage Range
Min: 0.22  Med: 0.64 Max: 2.09
Current: 1.91
0.22
2.09
F-Score: 5
WACC vs ROIC
10.63%
3.73%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 14.27
SBCF's Operating margin (%) is ranked lower than
80% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. SBCF: 14.27 )
Ranked among companies with meaningful Operating margin (%) only.
SBCF' s 10-Year Operating margin (%) Range
Min: -161.74  Med: 29.15 Max: 38.55
Current: 14.27
-161.74
38.55
Net-margin (%) 8.31
SBCF's Net-margin (%) is ranked lower than
85% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. SBCF: 8.31 )
Ranked among companies with meaningful Net-margin (%) only.
SBCF' s 10-Year Net-margin (%) Range
Min: -149.68  Med: 19.17 Max: 57.8
Current: 8.31
-149.68
57.8
ROE (%) 3.47
SBCF's ROE (%) is ranked lower than
81% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. SBCF: 3.47 )
Ranked among companies with meaningful ROE (%) only.
SBCF' s 10-Year ROE (%) Range
Min: -79.73  Med: 12.64 Max: 28.55
Current: 3.47
-79.73
28.55
ROA (%) 0.35
SBCF's ROA (%) is ranked lower than
77% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SBCF: 0.35 )
Ranked among companies with meaningful ROA (%) only.
SBCF' s 10-Year ROA (%) Range
Min: -6.57  Med: 1.00 Max: 2.34
Current: 0.35
-6.57
2.34
ROC (Joel Greenblatt) (%) 40.17
SBCF's ROC (Joel Greenblatt) (%) is ranked lower than
69% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. SBCF: 40.17 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
SBCF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -381.71  Med: 84.21 Max: 159.3
Current: 40.17
-381.71
159.3
Revenue Growth (3Y)(%) -7.80
SBCF's Revenue Growth (3Y)(%) is ranked lower than
82% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. SBCF: -7.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SBCF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -44  Med: 5.50 Max: 14.1
Current: -7.8
-44
14.1
EBITDA Growth (3Y)(%) 0.70
SBCF's EBITDA Growth (3Y)(%) is ranked lower than
68% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. SBCF: 0.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SBCF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -22.1  Med: 7.50 Max: 18.9
Current: 0.7
-22.1
18.9
EPS Growth (3Y)(%) 9.50
SBCF's EPS Growth (3Y)(%) is ranked higher than
51% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. SBCF: 9.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SBCF' s 10-Year EPS Growth (3Y)(%) Range
Min: -78.4  Med: 9.00 Max: 20.9
Current: 9.5
-78.4
20.9
» SBCF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

SBCF Guru Trades in Q2 2014

Private Capital 94,779 sh (New)
Michael Price 178,100 sh (unchged)
Jim Simons 82,814 sh (-13.22%)
» More
Q3 2014

SBCF Guru Trades in Q3 2014

Private Capital 511,305 sh (+439.47%)
Jim Simons 148,200 sh (+78.96%)
Michael Price Sold Out
» More
Q4 2014

SBCF Guru Trades in Q4 2014

Jim Simons 257,099 sh (+73.48%)
Private Capital 516,230 sh (+0.96%)
» More
Q1 2015

SBCF Guru Trades in Q1 2015

Private Capital 549,280 sh (+6.40%)
Jim Simons 218,500 sh (-15.01%)
» More
» Details

Insider Trades

Latest Guru Trades with SBCF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 49.30
SBCF's P/E(ttm) is ranked lower than
94% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. SBCF: 49.30 )
Ranked among companies with meaningful P/E(ttm) only.
SBCF' s 10-Year P/E(ttm) Range
Min: 4.02  Med: 21.57 Max: 215.71
Current: 49.3
4.02
215.71
Forward P/E 17.54
SBCF's Forward P/E is ranked lower than
88% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. SBCF: 17.54 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 49.80
SBCF's PE(NRI) is ranked lower than
94% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. SBCF: 49.80 )
Ranked among companies with meaningful PE(NRI) only.
SBCF' s 10-Year PE(NRI) Range
Min: 4.02  Med: 21.52 Max: 755
Current: 49.8
4.02
755
P/B 1.64
SBCF's P/B is ranked lower than
80% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. SBCF: 1.64 )
Ranked among companies with meaningful P/B only.
SBCF' s 10-Year P/B Range
Min: 0.25  Med: 1.29 Max: 3.43
Current: 1.64
0.25
3.43
P/S 4.25
SBCF's P/S is ranked lower than
73% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. SBCF: 4.25 )
Ranked among companies with meaningful P/S only.
SBCF' s 10-Year P/S Range
Min: 0.3  Med: 2.22 Max: 5.44
Current: 4.25
0.3
5.44
PFCF 51.49
SBCF's PFCF is ranked lower than
92% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. SBCF: 51.49 )
Ranked among companies with meaningful PFCF only.
SBCF' s 10-Year PFCF Range
Min: 1.17  Med: 11.31 Max: 132.5
Current: 51.49
1.17
132.5
POCF 27.51
SBCF's POCF is ranked lower than
88% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. SBCF: 27.51 )
Ranked among companies with meaningful POCF only.
SBCF' s 10-Year POCF Range
Min: 1.16  Med: 10.07 Max: 50.25
Current: 27.51
1.16
50.25
EV-to-EBIT 27.85
SBCF's EV-to-EBIT is ranked lower than
80% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. SBCF: 27.85 )
Ranked among companies with meaningful EV-to-EBIT only.
SBCF' s 10-Year EV-to-EBIT Range
Min: -239.3  Med: 13.40 Max: 330.7
Current: 27.85
-239.3
330.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.83
SBCF's Price/Tangible Book is ranked lower than
77% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. SBCF: 1.83 )
Ranked among companies with meaningful Price/Tangible Book only.
SBCF' s 10-Year Price/Tangible Book Range
Min: 0.47  Med: 1.69 Max: 4.09
Current: 1.83
0.47
4.09
Price/Projected FCF 1.15
SBCF's Price/Projected FCF is ranked lower than
82% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. SBCF: 1.15 )
Ranked among companies with meaningful Price/Projected FCF only.
SBCF' s 10-Year Price/Projected FCF Range
Min: 0.12  Med: 0.66 Max: 3.9
Current: 1.15
0.12
3.9
Price/Median PS Value 1.92
SBCF's Price/Median PS Value is ranked lower than
94% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. SBCF: 1.92 )
Ranked among companies with meaningful Price/Median PS Value only.
SBCF' s 10-Year Price/Median PS Value Range
Min: 0.2  Med: 1.25 Max: 2.27
Current: 1.92
0.2
2.27
Price/Graham Number 2.15
SBCF's Price/Graham Number is ranked lower than
95% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. SBCF: 2.15 )
Ranked among companies with meaningful Price/Graham Number only.
SBCF' s 10-Year Price/Graham Number Range
Min: 0.43  Med: 1.41 Max: 5.17
Current: 2.15
0.43
5.17
Earnings Yield (Greenblatt) (%) 3.58
SBCF's Earnings Yield (Greenblatt) (%) is ranked lower than
72% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. SBCF: 3.58 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SBCF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.3  Med: 6.50 Max: 14772.4
Current: 3.58
0.3
14772.4
Forward Rate of Return (Yacktman) (%) 57.36
SBCF's Forward Rate of Return (Yacktman) (%) is ranked higher than
93% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. SBCF: 57.36 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SBCF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 6.9  Med: 19.60 Max: 71.8
Current: 57.36
6.9
71.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Seacoast Banking Corp is a bank holding company, incorporated in Florida. It is a bank holding company with one operating subsidiary bank, Seacoast National Bank. The Company and its subsidiaries offer an array of deposit accounts and retail banking services, engages in consumer and commercial lending and provides a number of trust and asset management services, as well as securities and annuity products. The Company's service area includes Okeechobee, Highlands, Hendry, Hardee, Glades, DeSoto, Palm Beach, Martin, St. Lucie, Brevard, Indian River, Broward, Orange and Seminole counties, which are located in central and southeast Florida. It operates full service branches within its markets. Seacoast National opened five new banking offices in 2008, and five existing banking locations in Martin, St. Lucie and Palm Beach County were relocated to these new banking offices. Most of its banking offices have one or more automated teller machine that provides customers with 24-hour access to their deposit accounts. The Company is a member of the Star System, the largest electronic funds transfer organization in the United States, which permits banking customers access to their accounts at 2.5 million participating ATM and retail locations throughout the United States. Seacoast National's MoneyPhone system allows customers to access information on their loan or deposit account balances, to transfer funds between linked accounts, to make loan payments, and to verify deposits or checks that might have cleared. This service is available 24 hours a day, seven days a week. In addition, customers might access information via Seacoast National's Customer Service Center (CSC). The Company also offers Internet banking. Its Internet service allows customers to access transactional information on their deposit accounts, review loan and deposit balances, transfer funds between linked accounts and make loan payments from a deposit account, 24 hours a day, seven days a week. It has six indirect, wholly-owned subsidiaries: FNB Brokerage Services, Inc., which provides brokerage and annuity services; FNB Insurance Services, Inc., an inactive subsidiary, which was formed to provide insurance agency services; South Branch Building, Inc., which is a general partner in a partnership that constructed a branch facility of Seacoast National; TCoast Holdings, LLC, which was formed to own and operate certain properties acquired through foreclosure; BR West, LLC, which was formed in 2008 to hold foreclosed real estate; FNB Property Holdings, Inc., a Delaware holding company, whose primary asset is an investment in FNB RE Services, Inc.; and FNB RE Services, Inc., a real estate investment trust that holds mortgage loans originated by Seacoast National. The Company and its subsidiaries operate in the highly competitive markets of Martin, St. Lucie, Indian River, Brevard, Palm Beach and Broward Counties, in southeastern Florida and in the Orlando metropolitan statisti
» More Articles for SBCF

Headlines

Articles On GuruFocus.com
Seacoast Banking Corp. of Florida (SBCF) Vice Chairman of the Board Dale M Hudson buys 244,442 Share Feb 02 2011 
Seacoast Banking Corp. of Florida Reports Operating Results (10-Q) Nov 09 2010 
Seacoast Banking Corp. of Florida Reports Operating Results (10-Q) May 13 2010 
Seacoast Banking Corp. of Florida Reports Operating Results (10-Q/A) Nov 27 2009 
Seacoast Banking Corp. of Florida Reports Operating Results (10-Q) Nov 09 2009 
Private Capital Buys Covidien Ltd., Ultra Petroleum Corp, Zimmer Holdings Inc., Sells Center Bancorp Aug 25 2009 
Seacoast Banking Corp. of Florida (SBCF) CEO Dennis S Iii Hudson buys 88,886 Shares Aug 18 2009 
Seacoast Banking Corp. of Florida (SBCF) CFO William R Hahl buys 11,508 Shares Aug 17 2009 
Seacoast Banking Corp. of Florida Reports Operating Results (10-Q) May 11 2009 

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