ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Seacoast Banking Corp. of Florida ?
1
High Profitability with a Net Interest Margin of 15.73%
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 Dec 25
- NII(Q) Highest at USD 174.63 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 61.29%
- DIVIDEND PER SHARE(HY) Highest at USD 0
5
With ROA of 0.54%, it has a attractive valuation with a 1.18 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 16.63%, its profits have risen by 20.8% ; the PEG ratio of the company is 1
6
High Institutional Holdings at 86.59%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
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
18.53%
1.26
29.88%
S&P 500
17.78%
0.92
19.35%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.85%
EBIT Growth (5y)
14.16%
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
46.20%
Pledged Shares
0
Institutional Holding
86.59%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
1.18
EV to EBIT
22.35
EV to EBITDA
17.52
EV to Capital Employed
1.14
EV to Sales
4.28
PEG Ratio
0.95
Dividend Yield
2.29%
ROCE (Latest)
5.11%
ROE (Latest)
6.23%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
NII(Q)
Highest at USD 174.63 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 61.29%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 256.06 MM
OPERATING PROFIT(Q)
Highest at USD 61.51 MM
PRE-TAX PROFIT(Q)
Highest at USD 61.59 MM
NET PROFIT(Q)
Highest at USD 48.56 MM
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 123.15 MM
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 77.68%
EPS(Q)
Lowest at USD 0.31
Here's what is working for Seacoast Banking Corp. of Florida
NII
Highest at USD 174.63 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
At USD 256.06 MM has Grown at 33.67%
over average net sales of the previous four periods of USD 191.56 MMMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Net Sales
Highest at USD 256.06 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 61.51 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 61.59 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 48.56 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Dividend Payout Ratio
Highest at 61.29%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Seacoast Banking Corp. of Florida
Non Performing Loans (%)
Highest at 0.57%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Cash Flow
Lowest at USD 123.15 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
EPS
Lowest at USD 0.31
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Lowest at 77.68%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Capital Adequacy Ratio
Lowest at 14.4%
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
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
