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Upturn AI SWOT - About
Seacoast Banking Corporation of Florida (SBCF)
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Upturn Advisory Summary
07/02/2025: SBCF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $28.83
1 Year Target Price $28.83
| 0 | Strong Buy |
| 2 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -2.55% | Avg. Invested days 24 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.46B USD | Price to earnings Ratio 19.32 | 1Y Target Price 28.83 |
Price to earnings Ratio 19.32 | 1Y Target Price 28.83 | ||
Volume (30-day avg) 6 | Beta 0.94 | 52 Weeks Range 21.21 - 31.04 | Updated Date 07/1/2025 |
52 Weeks Range 21.21 - 31.04 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 2.61% | Basic EPS (TTM) 1.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.97% | Operating Margin (TTM) 37.77% |
Management Effectiveness
Return on Assets (TTM) 0.83% | Return on Equity (TTM) 5.82% |
Valuation
Trailing PE 19.32 | Forward PE 16.92 | Enterprise Value 2609398528 | Price to Sales(TTM) 4.85 |
Enterprise Value 2609398528 | Price to Sales(TTM) 4.85 | ||
Enterprise Value to Revenue 5.55 | Enterprise Value to EBITDA - | Shares Outstanding 85985400 | Shares Floating 77953912 |
Shares Outstanding 85985400 | Shares Floating 77953912 | ||
Percent Insiders 1.4 | Percent Institutions 88.3 |
Analyst Ratings
Rating 2 | Target Price 28.83 | Buy 2 | Strong Buy - |
Buy 2 | Strong Buy - | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Seacoast Banking Corporation of Florida
Company Overview
History and Background
Seacoast Banking Corporation of Florida, founded in 1926, is a bank holding company headquartered in Stuart, Florida. Initially serving local communities, it has grown through organic expansion and strategic acquisitions to become one of Florida's largest community banks.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending, deposit, and treasury management services to businesses of various sizes.
- Retail Banking: Offers personal banking services including checking and savings accounts, mortgages, consumer loans, and wealth management.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
The company is led by Chairman and CEO Dennis S. Hudson III. The organizational structure consists of various departments reporting to executive leadership, including retail banking, commercial banking, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Seacoast provides loans to businesses for various purposes including real estate, equipment, and working capital. Market share data is difficult to isolate, but competition includes major national and regional banks like Bank of America (BAC) and Truist Financial (TFC) as well as smaller community banks.
- Mortgages: Offers residential mortgage loans to consumers. Market share depends on location. Competitors include Wells Fargo (WFC) and Rocket Mortgage (RKT) among others.
- Deposit Accounts: Seacoast offers checking, savings, and money market accounts to both consumers and businesses. Market share data is difficult to isolate, but competition includes major national and regional banks like Bank of America (BAC) and Truist Financial (TFC) as well as smaller community banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating a challenging environment with rising interest rates, increased regulatory scrutiny, and evolving customer expectations driven by technology. Consolidation is a continuing trend.
Positioning
Seacoast positions itself as a relationship-focused community bank with a strong presence in Florida. Its competitive advantages include local market knowledge, personalized service, and a strong capital base.
Total Addressable Market (TAM)
The TAM for banking services in Florida is estimated to be several hundred billion dollars. Seacoast is well-positioned to capture a portion of this market through its branch network and digital capabilities. It's regional-focused strategy gives it a strong TAM capture.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Experienced management team
- Established presence in Florida
- Relationship-focused approach
- Strong credit quality
Weaknesses
- Limited geographic diversification
- Reliance on the Florida economy
- Smaller scale compared to larger national banks
- Exposure to interest rate risk
Opportunities
- Further expansion within Florida
- Strategic acquisitions of smaller banks
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Capitalize on Florida's strong population growth
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Florida
- Rising interest rates
- Increased regulatory burden
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- TFC
- CMA
- FHN
- FFWM
- OZK
Competitive Landscape
Seacoast competes with larger regional and national banks, as well as smaller community banks. It differentiates itself through its focus on relationship banking and local market expertise.
Major Acquisitions
Professional Bank
- Year: 2022
- Acquisition Price (USD millions): 488
- Strategic Rationale: Expanded presence in the South Florida market and enhanced commercial banking capabilities.
VeroBank
- Year: 2020
- Acquisition Price (USD millions): 75
- Strategic Rationale: Strengthened presence in the Indian River County market.
Growth Trajectory and Initiatives
Historical Growth: Seacoast has experienced steady growth in assets, loans, and deposits over the past several years, driven by organic expansion and acquisitions.
Future Projections: Analysts project continued growth in earnings and assets, driven by Florida's strong economy and Seacoast's strategic initiatives.
Recent Initiatives: Recent initiatives include expanding its branch network in high-growth markets, investing in digital banking technologies, and acquiring smaller community banks.
Summary
Seacoast Banking Corporation of Florida is a well-established community bank with a strong presence in Florida. Its strengths include a solid capital base and experienced management, but it faces challenges from larger competitors and reliance on the Florida economy. Strategic acquisitions and digital investments are key to future growth, and the bank must carefully manage interest rate risk and cybersecurity threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Analyst Reports
- Market Data Providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Seacoast Banking Corporation of Florida
Exchange NASDAQ | Headquaters Stuart, FL, United States | ||
IPO Launch date 1990-03-26 | Chairman, President & CEO Mr. Charles M. Shaffer CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1518 | Website https://www.seacoastbanking.com |
Full time employees 1518 | Website https://www.seacoastbanking.com | ||
Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides integrated financial services to retail and commercial customers in Florida. The company offers noninterest and interest-bearing demand deposits, money market, savings, and customer sweep accounts; time deposits; construction and land development, commercial and residential real estate, and commercial and financial loans; and consumer loans, including installment and revolving lines, as well as loans for automobiles, boats, and personal and family purposes. It also provides wealth management, mortgage, and insurance services through mobile and online banking solutions, as well as brokerage and annuity services. Seacoast Banking Corporation of Florida was founded in 1926 and is headquartered in Stuart, Florida.
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