ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Seacoast Banking Corp. of Florida ?
1
High Profitability with a Net Interest Margin of 12.72%
2
The Bank has a high Capital Adequacy Ratio of 15.53% signifying high buffers against its risk based assets
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
4
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at USD 187.5 MM
- NII(Q) Highest at USD 126.86 MM
- ROCE(HY) Highest at 0.9%
5
With ROA of 0.48%, it has a fair valuation with a 1.00 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 2.07%, its profits have risen by 7.7% ; the PEG ratio of the company is 2.6
6
High Institutional Holdings at 94.34%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.29% over the previous quarter.
7
Underperformed the market in the last 1 year
- The stock has generated a return of 2.07% in the last 1 year, much lower than market (S&P 500) returns of 12.33%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Seacoast Banking Corp. of Florida should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Seacoast Banking Corp. of Florida for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Seacoast Banking Corp. of Florida
9.87%
1.37
30.24%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.74%
EBIT Growth (5y)
9.94%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
50.61%
Pledged Shares
0
Institutional Holding
92.05%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
1.00
EV to EBIT
19.08
EV to EBITDA
14.42
EV to Capital Employed
1.00
EV to Sales
3.22
PEG Ratio
2.61
Dividend Yield
2.74%
ROCE (Latest)
5.26%
ROE (Latest)
5.71%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 187.5 MM
NII(Q)
Highest at USD 126.86 MM
ROCE(HY)
Highest at 0.9%
NET SALES(Q)
Highest at USD 193.35 MM
OPERATING PROFIT(Q)
Highest at USD 57.66 MM
OPERATING PROFIT MARGIN(Q)
Highest at 29.82 %
PRE-TAX PROFIT(Q)
Highest at USD 57.7 MM
NET PROFIT(Q)
Highest at USD 44.56 MM
EPS(Q)
Highest at USD 0.5
-2What is not working for the Company
ROCE(HY)
Lowest at 0.9%
Here's what is working for Seacoast Banking Corp. of Florida
NII
Highest at USD 126.86 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 187.5 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 193.35 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 57.66 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 29.82 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 57.7 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 57.7 MM has Grown at 40.81%
over average net sales of the previous four periods of USD 40.98 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 44.56 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 44.56 MM has Grown at 40.06%
over average net sales of the previous four periods of USD 31.81 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.5
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Seacoast Banking Corp. of Florida
Capital Adequacy Ratio
Lowest at 14.65%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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