Seacoast Banking [SBCF] vs UMB Financial [UMBF] Detailed Stock Comparison
Seacoast Banking
UMB Financial
TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Seacoast Banking wins in 4 metrics, UMB Financial wins in 14 metrics, with 0 ties. UMB Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Seacoast Banking | UMB Financial | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 19.46 | 13.41 | UMB Financial |
| Price-to-Book Ratio | 1.19 | 1.31 | Seacoast Banking |
| Debt-to-Equity Ratio | 0.46 | 0.51 | Seacoast Banking |
| PEG Ratio | 0.50 | 0.37 | UMB Financial |
| Profit Margin (TTM) | 26.12% | 27.11% | UMB Financial |
| Operating Margin (TTM) | 45.10% | 46.33% | UMB Financial |
| EBITDA Margin (TTM) | 45.10% | 46.33% | UMB Financial |
| Return on Equity | 6.31% | 10.05% | UMB Financial |
| Return on Assets (TTM) | 0.90% | 0.91% | UMB Financial |
| Free Cash Flow (TTM) | $175.87M | $201.08M | UMB Financial |
| Dividend Yield | 2.90% | 1.81% | Seacoast Banking |
| 1-Year Return | 17.54% | 8.88% | Seacoast Banking |
| Price-to-Sales Ratio (TTM) | 5.83 | 4.61 | UMB Financial |
| Enterprise Value | $3.43B | $10.86B | UMB Financial |
| EV/Revenue Ratio | 6.45 | 5.57 | UMB Financial |
| Revenue per Share (TTM) | $6 | $33 | UMB Financial |
| Earnings per Share (Diluted) | $1.63 | $8.83 | UMB Financial |
| Beta (Stock Volatility) | 0.95 | 0.74 | UMB Financial |
Seacoast Banking vs UMB Financial Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Seacoast Banking | -4.44% | 2.86% | 1.92% | 7.78% | 32.51% | 17.36% |
| UMB Financial | -4.76% | 0.31% | -3.05% | 7.21% | 25.79% | 6.15% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Seacoast Banking | 17.54% | -0.51% | 57.52% | 109.93% | 363.70% | -71.42% |
| UMB Financial | 8.88% | 34.23% | 112.21% | 133.46% | 235.32% | 271.19% |
News Based Sentiment: Seacoast Banking vs UMB Financial
Seacoast Banking
News based Sentiment: POSITIVE
October was a pivotal month for Seacoast Banking, successfully completing the acquisition of Villages Bancorporation and receiving multiple analyst upgrades with increased price targets. This combination of strategic expansion and positive market sentiment significantly strengthens the investment case for the company, suggesting a positive outlook for future growth and profitability.
UMB Financial
News based Sentiment: POSITIVE
October proved to be a strong month for UMB Financial, marked by exceptional Q2 earnings that beat estimates, positive analyst revisions with increasing price targets, and a clear strategic focus on growth areas like wealth management and digital innovation. While insider selling is a minor concern, the overall narrative is overwhelmingly positive, suggesting continued growth potential.
Performance & Financial Health Analysis: Seacoast Banking vs UMB Financial
| Metric | SBCF | UMBF |
|---|---|---|
| Market Information | ||
| Market Cap | $2.78B | $9.03B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 558,440 | 374,860 |
| 90 Day Avg. Volume | 572,647 | 474,583 |
| Last Close | $29.91 | $113.02 |
| 52 Week Range | $21.36 - $32.33 | $82.00 - $129.94 |
| % from 52W High | -7.49% | -13.02% |
| All-Time High | $159.80 (Aug 28, 2006) | $129.94 (Nov 25, 2024) |
| % from All-Time High | -81.28% | -13.02% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.18% | 0.78% |
| Quarterly Earnings Growth | 0.41% | 1.15% |
| Financial Health | ||
| Profit Margin (TTM) | 0.26% | 0.27% |
| Operating Margin (TTM) | 0.45% | 0.46% |
| Return on Equity (TTM) | 0.06% | 0.10% |
| Debt to Equity (MRQ) | 0.46 | 0.51 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $26.76 | $90.63 |
| Cash per Share (MRQ) | $4.16 | $29.90 |
| Operating Cash Flow (TTM) | $201.70M | $705.18M |
| Levered Free Cash Flow (TTM) | $120.99M | $441.24M |
| Dividends | ||
| Last 12-Month Dividend Yield | 2.90% | 1.81% |
| Last 12-Month Dividend | $0.72 | $1.99 |
Valuation & Enterprise Metrics Analysis: Seacoast Banking vs UMB Financial
| Metric | SBCF | UMBF |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 19.46 | 13.41 |
| Forward P/E | 19.82 | 12.83 |
| PEG Ratio | 0.50 | 0.37 |
| Price to Sales (TTM) | 5.83 | 4.61 |
| Price to Book (MRQ) | 1.19 | 1.31 |
| Market Capitalization | ||
| Market Capitalization | $2.78B | $9.03B |
| Enterprise Value | $3.43B | $10.86B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 6.45 | 5.57 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.95 | 0.74 |
| Book Value per Share (MRQ) | $26.76 | $90.63 |
Financial Statements Comparison: Seacoast Banking vs UMB Financial
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | SBCF | UMBF |
|---|---|---|
| Revenue/Sales | $140.70M | $510.19M |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $40.85M | $93.05M |
| Income Tax | $9.39M | $11.72M |
| Net Income (Profit) | $31.46M | $81.33M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | SBCF | UMBF |
|---|---|---|
| Cash & Equivalents | $502.07M | $10.73B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $572.13M | $654.38M |
| Total Shareholders Equity | $2.23B | $6.75B |
| Retained Earnings | $542.67M | $3.22B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | SBCF | UMBF |
|---|---|---|
| Operating Cash Flow | $24.67M | $360.37M |
| Capital Expenditures | $-3.21M | $-8.59M |
| Free Cash Flow | $27.79M | $354.20M |
| Debt Repayment | $-190.00M | $-11.06M |
| Common Stock Repurchase | N/A | $-15.43M |
Short Interest & Institutional Ownership Analysis
| Metric | SBCF | UMBF |
|---|---|---|
| Shares Short | 2.76M | 2.26M |
| Short Ratio | 4.97 | 4.44 |
| Short % of Float | 0.04% | 0.04% |
| Average Daily Volume (10 Day) | 558,440 | 374,860 |
| Average Daily Volume (90 Day) | 572,647 | 474,583 |
| Shares Outstanding | 85.57M | 48.81M |
| Float Shares | 79.52M | 72.88M |
| % Held by Insiders | 0.01% | 0.05% |
| % Held by Institutions | 0.90% | 0.93% |
Dividend Analysis & Yield Comparison: Seacoast Banking vs UMB Financial
| Metric | SBCF | UMBF |
|---|---|---|
| Last 12-Month Dividend | $0.72 | $1.99 |
| Last 12-Month Dividend Yield | 2.90% | 1.81% |
| 3-Year Avg Annual Dividend | $0.71 | $1.68 |
| 3-Year Avg Dividend Yield | 0.69% | 0.45% |
| 3-Year Total Dividends | $2.13 | $5.05 |
| Ex-Dividend Date | Jun 13, 2025 | Sep 10, 2025 |