Professional Holding's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Professional Holding (PFHD) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Professional Holding vs Its Competitors
- TTM: Trailing 12-month revenue of 83M vs 685M combined for tracked competitors (10.8% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+18.7% annualized vs trailing 12 months), vs decelerating (-41.8%) for its tracked peer group.
- Growth: Professional Holding generated 26.4% revenue growth year over year in Q3 2022, vs 17.0% for its tracked competitors combined.
- Profitability: Its 34.3% net margin compares with 29.3% for the peer group.
- Peer revenue share: Professional Holding accounted for 19.8% of combined revenue among its tracked peer group, up from 18.6% a year earlier.
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
PFHD Sales vs. its Competitors, Q3 2022
Professional Holding reported revenue growth of 26.42 % year on year in Q3 2022, above its competitors' combined revenue growth of 16.95 %.
With a net margin of 34.34 %, Professional Holding achieved higher profitability than its competitors (29.32 %).
Professional Holding generated 19.84 % of the combined sales of its peer group, up from 18.63 % a year earlier.
Professional Holding vs. its Competitors, Q3 2022
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Professional Holding and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Professional Holding Corp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (1) | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (4) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Professional Holding's competitor groups requires a Commercial License.
For context: the Commercial Banks industry grew revenue 4.0% year over year, combined, vs 26.4% for Professional Holding. Professional Holding's share of combined industry revenue moved from 0.01% to 0.01%, a gain of 0.00 percentage points.
Professional Holding's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Professional Holding Corp | Yes | Yes | No | Yes |
| Competitors combined (1) | ||||
| High-Confidence Competitors (1) | ||||
| Similar Growth & Profitability (8) | 100.00 % (8 of 8) | 100.00 % (8 of 8) | 12.50 % (1 of 8) | 12.50 % (1 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
PFHD Stock Performance relative to its Competitors
PFHD Stock Performance relative to High-Confidence Competitors
PFHD Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Seacoast Banking Corporation Of Florida | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Professional Holding's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Publicly Traded Peers of Professional Holding Corp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Professional Holding Corp | 407.98 | 83.13 |
| Seacoast Banking Corporation Of Florida | 3,055.11 | 685.18 |
| SUBTOTAL | 3,463.08 | 768.31 |
Sources: Professional Holding Corp's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Professional Holding Corp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Professional Holding's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Seacoast Banking Corporation Of Florida | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Professional Holding's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Professional Holding's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Professional Holding Corp | 408 | - | - |
| Seacoast Banking Corporation Of Florida | 3,055 | 349,227 | 82,745 |
| PEERS TOTAL | 3,055 | 349,227 | 82,745 |
Professional Holding's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Commercial Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (45 companies). See the full Commercial Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 59.30 % | 65.17 % (avg) | -5.9 pp |
| Operating Margin | 32.81 % | industry median | -7.8 pp |
| EBITDA Margin | 44.12 % | 50.64 % (avg) | -6.5 pp |
| Capital Intensity (Capex / Revenue) | 0.31 % | 1.92 % (avg) | -1.6 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Professional Holding's Valuation vs Competitive Position
Valuation multiples vs the Commercial Banks industry average (45 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Commercial Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 17.7x | 15.4x | +2.2x |
| EV / EBITDA | 11.2x | 6.2x | +5.0x |
| P/B | 1.7x | 1.3x | +0.4x |
| Return on Equity | 9.37 % | industry aggregate | -1.22 % |
| Return on Invested Capital | 2.60 % | 3.35 % (avg) | -0.75 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Professional Holding's Strategic Group Map
Every company in Professional Holding's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Professional Holding is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Professional Holding's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.31 % vs industry average 1.92 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Professional Holding's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Professional Holding's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Professional Holding's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Professional Holding falls in the High attractiveness / Low strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Professional Holding's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+18.7% annualized vs trailing 12 months).
Weaknesses
- Operating margin 7.8 points below the industry median.
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- Industry revenue growing at a healthy 12.6% median pace.
- A meaningful share of tracked competitors (100.00 %) show financial-distress signals, a possible opening to gain share.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-41.8% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Professional Holding's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Professional Holding Corp | - | 1.24 | 0.09 |
| Seacoast Banking Corporation Of Florida | 0.01 | 0.17 | 0.17 |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Professional Holding's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Professional Holding Corp | Q3 2022 | +26.4 % | +34.7 % |
| Seacoast Banking Corporation Of Florida | Q2 2026 | +35.5 % | +29.9 % |
| PEERS TOTAL | +34.4 % | +30.5 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Professional Holding's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Professional Holding Corp | Q3 2022 | +26.7 % | - |
| Seacoast Banking Corporation Of Florida | Q2 2026 | - | - |
Professional Holding's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Professional Holding Corp | 0.82% | 2.67% | 9.37% |
| Seacoast Banking Corporation Of Florida | 0.81% | 1.97% | 6.16% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Professional Holding's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Professional Holding Corp | 18.48 | 4.91 |
| Seacoast Banking Corporation Of Florida | 19.16 | 4.46 |
| PEERS AVERAGE | 18.80 | 4.51 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.