Seacoast Banking Corporation of — Earnings Quality Grade F
SBCF · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue grew 26.6% but CFFO only 4.5%
Expense Quality
No material inventory
CapEx growth 127.4% is >2x revenue growth 26.6%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.30. Profits backed by cash
FCF $0.2B, FCF/NI = 1.23
Accruals ratio = -0.2%. Low accruals
Cash $0.4B covers only 43% of debt $0.9B
Balance Sheet Health
Goodwill+Intangibles $1.2B = 40% of equity
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles surged 53% YoY
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Seacoast Banking Corporation of is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25