On the stock market since 1984, it operates in the world of money and finance. It has 1,962 employees. Now — the numbers.
This is an established company with proven profits.
The biggest line carries real weight, but it doesn’t decide everything on its own.
Average growth of 25% a year over the last 4 years. Every year shown ended in profit.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit indicators sit around the sector average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly above the class average — a step short of the very top.
Clearly above the class average — a step short of the very top.
The stock has been running stronger than the market lately.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades below its recent peak — about 11% off the top. A pullback, not a collapse.
The net profit margin is 17% — still a thick cushion, though costs have been eating into it lately.
Over the last 3 years, sales grew about 25% a year on average.
It pays out $0.75 per share each year — regular cash for whoever holds the stock.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 29/100.
On our five-subject report card, SBCF sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: SBCF is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.