Seacoast Banking Corporation of Florida

SBCF

Banks - Regional · Financial Services

Price

$33.89

-0.44 (-1.28%)

Market Cap

$3.30B

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+61.1% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 57.1M (2021) → 91.9M (2025)

Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides financial services to retail and commercial customers in Florida. It offers commercial and retail banking, wealth management, and mortgage services; and brokerage and annuity services. The company offers noninterest and interest-bearing demand deposit, money market, savings, and customer sweep accounts; time certificates of deposit; construction and land development, commercial a

Winston Score History

Politician Trades

3 trades / 12mo

1 Congressional buy and 2 sells on SBCF in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+7.0% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-16.2% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

8.5%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$201M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Seacoast Banking Corporation of Florida is growing revenue at 7% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

66.0%

Premium pricing power — 66.0% gross margin

Operating Margin

18.5%

Healthy — 18.5% operating margin

ROCE

0.9%

Weak — 0.9% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+11.4%

Steady sales growth (11.4% YoY)

EPS YoY

+4.7%

Modest earnings growth (4.7% YoY)

Single-digit earnings growth — steady but not exciting.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

158%

Turns 158% of profit into real cash

FCF Margin

24.2%

Converts sales into free cash efficiently (24.2%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.41

Conservative — low debt load (0.41)

Interest Cover

0.64x

Dangerous — barely covers interest (0.6x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

21.7x

Growth-priced — P/E 21.7

P/E above the market average. People are paying up for expected growth.

P/E vs Forward

+8.5

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (21.7 → 13.2)

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Dividends

Dividend Yield

2.25%

Moderate income — 2.25% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+4.2%

Dividend growing modestly (4.2% YoY)

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