Seacoast Banking Corp of Florida vs United Community Banks
SBCF and UCB side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How SBCF and UCB compare
United Community Banks is the larger company, worth 1.4 times as much as Seacoast Banking Corp of Florida ($4.5B against $3.3B).
On earnings, Seacoast Banking Corp of Florida is cheaper: it trades at 20.0× trailing earnings, against 31.7× for United Community Banks.
Seacoast Banking Corp of Florida grew revenue faster over the last twelve months (35.7% versus −20.6% for United Community Banks).
Seacoast Banking Corp of Florida keeps more of each dollar of sales as profit, with a net margin of 23.5% compared with 17.8% at United Community Banks.
Both pay dividends: Seacoast Banking Corp of Florida yields 2.3% and United Community Banks 2.7%.
Seacoast Banking Corp of Florida scores higher on the StockData Score (11 against 9 for United Community Banks), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | SBCF | UCB |
|---|---|---|
| Size and price | ||
| Market cap | $3.3B | $4.5B |
| Share price | $33.72 | $37.44 |
| Change, 1 year | 9.0% | 24.4% |
| Change, 5 years | −8.3% | 3.8% |
| Beta (5Y) | 0.77 | 0.82 |
| Employees | 867 | 3,070 |
| StockData Score | ||
| Total score | 11 (better) | 9 |
| Valuation score | 1 (better) | 0 |
| Growth score | 3 (better) | 0 |
| Performance score | 1 | 1 |
| Health score | 4 | 4 |
| Dividend score | 2 | 4 (better) |
| Valuation | ||
| P/E | 20.0× (better) | 31.7× |
| P/S | 4.1× (better) | 5.5× |
| P/B | 1.3× (better) | 1.3× |
| P/FCF | – | 11.2× |
| PEG | – | 24.30 |
| FCF yield | – | 8.9% |
| Fair value | $29.08 | $24.74 |
| Margin of safety | −16.0% (better) | −51.4% |
| Growth | ||
| Revenue growth (TTM) | 35.7% (better) | −20.6% |
| Revenue growth, 5Y average | 15.0% (better) | 13.0% |
| Net income growth (TTM) | 28.2% (better) | −53.8% |
| EPS growth (TTM) | 0.00% (better) | −53.2% |
| EPS growth, 5Y average | 1.7% | 6.5% (better) |
| Profitability | ||
| Net margin | 23.5% (better) | 17.8% |
| FCF margin | – | 49.1% |
| Return on equity | 7.5% (better) | 4.1% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Altman Z-score | 0.19 (better) | 0.18 |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.3% | 2.7% (better) |
| Payout ratio | – | 83.3% |
| Years of dividend growth | 4 | 11 (better) |
| Dividend growth, 5Y average | – | 6.4% |
| Buyback yield | 1.2% | 2.6% (better) |
| Shareholder yield | 3.5% | 5.3% (better) |
| Ownership | ||
| Held by institutions | 91.7% | 87.3% |
| Held by insiders | 0.62% | 0.72% |
| Insider net buying, 12 months | −$3.0M | −$2.3M (better) |
| Short interest, % of float | 5.2% | 4.8% |
Go deeper
- SBCF stock overview
- SBCF income statement
- SBCF valuation and score
- UCB stock overview
- UCB income statement
- UCB valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.