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Upturn AI SWOT - About
Seacoast Banking Corporation of Florida (SBCF)
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Upturn Advisory Summary
04/01/2025: SBCF (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -30.72% | Avg. Invested days 21 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.18B USD | Price to earnings Ratio 17.96 | 1Y Target Price 30.83 |
Price to earnings Ratio 17.96 | 1Y Target Price 30.83 | ||
Volume (30-day avg) 460380 | Beta 1.1 | 52 Weeks Range 21.29 - 31.26 | Updated Date 04/1/2025 |
52 Weeks Range 21.29 - 31.26 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.80% | Basic EPS (TTM) 1.42 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.24% | Operating Margin (TTM) 39.9% |
Management Effectiveness
Return on Assets (TTM) 0.81% | Return on Equity (TTM) 5.64% |
Valuation
Trailing PE 17.96 | Forward PE 16.92 | Enterprise Value 2312264448 | Price to Sales(TTM) 4.37 |
Enterprise Value 2312264448 | Price to Sales(TTM) 4.37 | ||
Enterprise Value to Revenue 4.92 | Enterprise Value to EBITDA - | Shares Outstanding 85612096 | Shares Floating 78970591 |
Shares Outstanding 85612096 | Shares Floating 78970591 | ||
Percent Insiders 1.44 | Percent Institutions 86.78 |
Analyst Ratings
Rating 3.33 | Target Price 29.83 | 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 was founded in 1926 and has grown to become one of the largest community banks in Florida, focusing on providing comprehensive financial services to individuals and businesses.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, deposit services, and treasury management solutions to businesses of various sizes.
- Retail Banking: Provides personal banking services including checking accounts, savings accounts, mortgage loans, and credit cards to individual customers.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
Seacoast Banking Corporation is led by a board of directors and an executive management team headed by the CEO. The organizational structure is based on functional divisions such as retail banking, commercial banking, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is not available for this specific product but regional banks dominate market share. Competitors include large national banks and other regional banks.
- Residential Mortgages: Offers mortgage loans for homebuyers. Market share data is not available, but community banks compete with larger national mortgage lenders and credit unions. Competitors include Wells Fargo, Bank of America and Truist
- Business Checking Accounts: Provides checking accounts for businesses. Market share data is not available. Competitors include large national banks and online fintech solutions.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and increasing competition from non-bank financial technology companies.
Positioning
Seacoast Banking Corporation of Florida positions itself as a relationship-focused community bank with a strong presence in Florida. Their competitive advantages include local market expertise and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in Florida is estimated at hundreds of billions of dollars. Seacoast is positioned to capture a portion of this through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong presence in Florida
- Relationship-focused banking model
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on Florida economy
- Higher expense ratio compared to competitors
Opportunities
- Expansion through acquisitions
- Growth in wealth management business
- Increased digital banking adoption
- Growing Florida population
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn in Florida
- Regulatory changes
Competitors and Market Share
Key Competitors
- MTB
- CMA
- CFG
- FCNCA
Competitive Landscape
Seacoast faces competition from larger national banks, regional banks, and credit unions. Its advantages include a strong local presence and relationship-focused banking.
Major Acquisitions
Professional Holding Corp
- Year: 2022
- Acquisition Price (USD millions): 488
- Strategic Rationale: Expanded Seacoast's presence in the South Florida market and added a highly profitable bank to its portfolio.
Growth Trajectory and Initiatives
Historical Growth: Seacoast has grown through organic expansion and strategic acquisitions of other banks in Florida.
Future Projections: Analysts project continued growth for Seacoast, driven by the expanding Florida economy and potential future acquisitions.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets within Florida.
Summary
Seacoast Banking Corporation of Florida is a solid regional bank with a strong presence in a growing market. Its relationship-focused approach and strategic acquisitions have contributed to its growth. The company must navigate increasing competition from fintech companies and potential economic headwinds.
Similar Companies
- MTB
- CMA
- CFG
- FCNCA
- BOH
- FFWM
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Industry Reports
- Analyst Estimates
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary based on the source. Financial information may be delayed.
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 1504 | Website https://www.seacoastbanking.com |
Full time employees 1504 | 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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