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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 0.23
NAS:SBCF's Cash-to-Debt is ranked lower than
86% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. NAS:SBCF: 0.23 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:SBCF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.23  Med: 1.61 Max: No Debt
Current: 0.23
Equity-to-Asset 0.09
NAS:SBCF's Equity-to-Asset is ranked lower than
61% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:SBCF: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:SBCF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.1
Current: 0.09
0.07
0.1
Interest Coverage 5.21
NAS:SBCF's Interest Coverage is ranked higher than
81% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. NAS:SBCF: 5.21 )
Ranked among companies with meaningful Interest Coverage only.
NAS:SBCF' s Interest Coverage Range Over the Past 10 Years
Min: 0.22  Med: 2 Max: 5.21
Current: 5.21
0.22
5.21
Beneish M-Score: -2.93
WACC vs ROIC
4.22%
5.41%
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 : 3/10

vs
industry
vs
history
Operating Margin % 24.86
NAS:SBCF's Operating Margin % is ranked lower than
66% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. NAS:SBCF: 24.86 )
Ranked among companies with meaningful Operating Margin % only.
NAS:SBCF' s Operating Margin % Range Over the Past 10 Years
Min: -161.74  Med: 8.98 Max: 25.1
Current: 24.86
-161.74
25.1
Net Margin % 16.46
NAS:SBCF's Net Margin % is ranked lower than
70% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. NAS:SBCF: 16.46 )
Ranked among companies with meaningful Net Margin % only.
NAS:SBCF' s Net Margin % Range Over the Past 10 Years
Min: -149.68  Med: 6.71 Max: 57.8
Current: 16.46
-149.68
57.8
ROE % 7.08
NAS:SBCF's ROE % is ranked lower than
62% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. NAS:SBCF: 7.08 )
Ranked among companies with meaningful ROE % only.
NAS:SBCF' s ROE % Range Over the Past 10 Years
Min: -81.77  Med: 1.99 Max: 26.32
Current: 7.08
-81.77
26.32
ROA % 0.69
NAS:SBCF's ROA % is ranked lower than
64% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. NAS:SBCF: 0.69 )
Ranked among companies with meaningful ROA % only.
NAS:SBCF' s ROA % Range Over the Past 10 Years
Min: -6.57  Med: 0.27 Max: 2.34
Current: 0.69
-6.57
2.34
3-Year Revenue Growth Rate 1.10
NAS:SBCF's 3-Year Revenue Growth Rate is ranked lower than
66% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. NAS:SBCF: 1.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:SBCF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -44  Med: 4 Max: 14.1
Current: 1.1
-44
14.1
3-Year EBITDA Growth Rate 21.40
NAS:SBCF's 3-Year EBITDA Growth Rate is ranked higher than
82% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. NAS:SBCF: 21.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:SBCF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -22.1  Med: 7 Max: 117.3
Current: 21.4
-22.1
117.3
3-Year EPS without NRI Growth Rate -31.60
NAS:SBCF's 3-Year EPS without NRI Growth Rate is ranked lower than
94% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. NAS:SBCF: -31.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:SBCF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -78.4  Med: 6.9 Max: 21
Current: -31.6
-78.4
21
GuruFocus has detected 4 Warning Signs with Seacoast Banking Corp of Florida $NAS:SBCF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:SBCF's 10-Y Financials

Financials (Next Earnings Date: 2017-04-25)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

SBCF Guru Trades in Q1 2016

Private Capital 741,050 sh (+22.60%)
Jim Simons 385,300 sh (+2.23%)
» More
Q2 2016

SBCF Guru Trades in Q2 2016

Jim Simons 456,900 sh (+18.58%)
Private Capital 636,293 sh (-14.14%)
» More
Q3 2016

SBCF Guru Trades in Q3 2016

Jim Simons 507,200 sh (+11.01%)
Private Capital 544,428 sh (-14.44%)
» More
Q4 2016

SBCF Guru Trades in Q4 2016

Mario Gabelli 35,000 sh (New)
Jim Simons 696,000 sh (+37.22%)
Private Capital 514,211 sh (-5.55%)
» More
» Details

Insider Trades

Latest Guru Trades with SBCF

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:CHCO, NAS:STBZ, NAS:HAFC, NAS:EFSC, NAS:CFNL, NAS:SASR, NYSE:BANC, NAS:SBSI, NYSE:CPF, NAS:PPBI, NAS:LBAI, NAS:LKFN, NAS:SYBT, NYSE:CUBI, NAS:BRKL, NAS:BUSE, NAS:NFBK, NYSE:NBHC, NYSE:FBK, NAS:WASH » details
Headquarter Location:USA
Seacoast Banking Corp is a bank holding company. It offers deposit accounts & retail banking services, engage in consumer & commercial lending and provide trust and asset management services, as well as securities and annuity products to its customers.

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

Ratios

vs
industry
vs
history
PE Ratio 31.67
SBCF's PE Ratio is ranked lower than
89% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. SBCF: 31.67 )
Ranked among companies with meaningful PE Ratio only.
SBCF' s PE Ratio Range Over the Past 10 Years
Min: 4.13  Med: 25.74 Max: 149.38
Current: 31.67
4.13
149.38
Forward PE Ratio 19.31
SBCF's Forward PE Ratio is ranked lower than
86% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.93 vs. SBCF: 19.31 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 31.67
SBCF's PE Ratio without NRI is ranked lower than
89% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. SBCF: 31.67 )
Ranked among companies with meaningful PE Ratio without NRI only.
SBCF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.13  Med: 25.74 Max: 149.38
Current: 31.67
4.13
149.38
Price-to-Owner-Earnings 42.29
SBCF's Price-to-Owner-Earnings is ranked lower than
92% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. SBCF: 42.29 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SBCF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.58  Med: 27.81 Max: 175.91
Current: 42.29
3.58
175.91
PB Ratio 2.16
SBCF's PB Ratio is ranked lower than
86% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SBCF: 2.16 )
Ranked among companies with meaningful PB Ratio only.
SBCF' s PB Ratio Range Over the Past 10 Years
Min: 0.25  Med: 1.3 Max: 2.81
Current: 2.16
0.25
2.81
PS Ratio 5.20
SBCF's PS Ratio is ranked lower than
77% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. SBCF: 5.20 )
Ranked among companies with meaningful PS Ratio only.
SBCF' s PS Ratio Range Over the Past 10 Years
Min: 0.3  Med: 2.23 Max: 5.2
Current: 5.2
0.3
5.2
Price-to-Free-Cash-Flow 16.41
SBCF's Price-to-Free-Cash-Flow is ranked lower than
66% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. SBCF: 16.41 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SBCF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.32  Med: 14.86 Max: 141.96
Current: 16.41
1.32
141.96
Price-to-Operating-Cash-Flow 14.83
SBCF's Price-to-Operating-Cash-Flow is ranked lower than
67% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. SBCF: 14.83 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SBCF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.31  Med: 11.43 Max: 46.27
Current: 14.83
1.31
46.27
EV-to-EBIT 30.67
SBCF's EV-to-EBIT is ranked lower than
87% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. SBCF: 30.67 )
Ranked among companies with meaningful EV-to-EBIT only.
SBCF' s EV-to-EBIT Range Over the Past 10 Years
Min: -238.8  Med: 14.1 Max: 330.7
Current: 30.67
-238.8
330.7
EV-to-EBITDA 27.50
SBCF's EV-to-EBITDA is ranked lower than
87% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. SBCF: 27.50 )
Ranked among companies with meaningful EV-to-EBITDA only.
SBCF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -64  Med: 12.6 Max: 79.3
Current: 27.5
-64
79.3
PEG Ratio 0.83
SBCF's PEG Ratio is ranked higher than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. SBCF: 0.83 )
Ranked among companies with meaningful PEG Ratio only.
SBCF' s PEG Ratio Range Over the Past 10 Years
Min: 0.73  Med: 5.34 Max: 19.58
Current: 0.83
0.73
19.58

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -17.20
SBCF's 3-Year Average Share Buyback Ratio is ranked lower than
87% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. SBCF: -17.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SBCF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -70.5  Med: -6.1 Max: 2.9
Current: -17.2
-70.5
2.9

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.64
SBCF's Price-to-Tangible-Book is ranked lower than
88% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. SBCF: 2.64 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SBCF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.82  Med: 1.58 Max: 3.26
Current: 2.64
0.82
3.26
Price-to-Intrinsic-Value-Projected-FCF 1.58
SBCF's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
89% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. SBCF: 1.58 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SBCF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.17  Med: 0.79 Max: 1.41
Current: 1.58
0.17
1.41
Price-to-Median-PS-Value 2.33
SBCF's Price-to-Median-PS-Value is ranked lower than
94% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. SBCF: 2.33 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SBCF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.18  Med: 1.15 Max: 2.21
Current: 2.33
0.18
2.21
Price-to-Peter-Lynch-Fair-Value 1.27
SBCF's Price-to-Peter-Lynch-Fair-Value is ranked lower than
53% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. SBCF: 1.27 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
SBCF' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.9  Med: 1.07 Max: 3.31
Current: 1.27
0.9
3.31
Price-to-Graham-Number 1.93
SBCF's Price-to-Graham-Number is ranked lower than
93% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. SBCF: 1.93 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SBCF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.57  Med: 1.21 Max: 2.18
Current: 1.93
0.57
2.18
Earnings Yield (Greenblatt) % 3.26
SBCF's Earnings Yield (Greenblatt) % is ranked lower than
66% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. SBCF: 3.26 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SBCF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.3  Med: 5.4 Max: 14772.4
Current: 3.26
0.3
14772.4
Forward Rate of Return (Yacktman) % 39.73
SBCF's Forward Rate of Return (Yacktman) % is ranked higher than
89% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. SBCF: 39.73 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
SBCF' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 8.2  Med: 23.2 Max: 71.8
Current: 39.73
8.2
71.8

More Statistics

Revenue (TTM) (Mil) $177.4
EPS (TTM) $ 0.78
Beta0.46
Short Percentage of Float2.41%
52-Week Range $15.21 - 25.13
Shares Outstanding (Mil)40.73

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.28 1.55
EPS without NRI ($) 1.28 1.55
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for SBCF

Headlines

Articles On GuruFocus.com
Seacoast Banking Corporation of Florida Completes Acquisition of GulfShore BancShares, Inc. Apr 07 2017 
Seacoast Banking Corporation Of Florida To Announce First Quarter 2017 Earnings Results On Tuesday, Apr 06 2017 
Private Capital Management's Largest Buys in 1st Quarter Jun 13 2016 
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 

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