SBCF Stock Analysis: Seacoast Banking of Florida | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 3.236m USD | 12M Return: 15.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 30.9M
EPS Trend: -5.9%
Qual. Beats: 0
Rev. Trend: 92.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Seacoast Banking Corporation of Florida (SBCF) is the bank holding company for Seacoast National Bank, providing integrated financial services to retail and commercial customers across Florida. Founded in 1926 and headquartered in Stuart, Florida, the company operates as a regional bank within the U.S. financials sector.
The company generates revenue through a diversified mix of deposit and lending products. Deposit offerings include noninterest and interest-bearing demand accounts, money market accounts, savings, sweep accounts, and time deposits. On the lending side, Seacoast provides construction and land development loans, commercial and residential real estate loans, commercial and financial loans, and consumer loans covering installment and revolving lines, as well as auto, boat, and personal financing.
In addition to traditional banking, Seacoast offers wealth management, mortgage, and insurance services delivered through mobile and online banking channels, along with brokerage and annuity products. As a regional bank holding company, it combines core commercial and retail banking with fee-generating financial services to broaden its revenue base beyond net interest income.
- Net interest margin expansion lifts profitability on Fed rate path
- Commercial real estate loan concentration elevates credit risk and provisioning outlook
- Florida deposit growth accelerates on sustained population in-migration tailwind
| Net Income: 145.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.10 > 1.0 |
| NWC/Revenue: -1.45k% < 20% (prev -1.18k%; Δ -270.8% < -1%) |
| CFO/TA 0.01 > 3% & CFO 228.8m > Net Income 145.3m |
| Net Debt (1.06b) to EBITDA (228.6m): 4.65 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (109.1m) vs 12m ago 27.76% < -2% |
| Gross Margin: 63.36% > 18% (prev 61.70%; Δ 1.66% > 0.5%) |
| Asset Turnover: 4.95% > 50% (prev 5.21%; Δ -0.26% > 0%) |
| Interest Coverage Ratio: 0.64 > 6 (EBIT TTM 186.6m / Interest Expense TTM 291.4m) |
| A: -0.63 (Total Current Assets 201.3m - Total Current Liabilities 13.4b) / Total Assets 21.1b |
| B: 0.03 (Retained Earnings 614.9m / Total Assets 21.1b) |
| C: 0.01 (EBIT TTM 186.6m / Avg Total Assets 18.4b) |
| D: 0.17 (Book Value of Equity 3.06b / Total Liabilities 18.1b) |
| Altman-Z'' = -3.76 = D |
As of July 08, 2026, the stock is trading at USD 32.64 with a total of 763,660 shares traded. Over the past week, the price has changed by -1.39%, over one month by +8.83%, over three months by +5.71% and over the past year by +15.16%.
Current recommended Stop Loss: 30.80 (which is 5.6% or 2 ATR below the current price).
Seacoast Banking of Florida has received a consensus analysts rating of 3.33. Therefore, it is recommended to hold SBCF.
- StrongBuy: 0
- Buy: 2
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 34.8 | 6.7% |
P/E Trailing = 22.3356
P/E Forward = 16.8067
P/S = 5.137
P/B = 1.1909
P/EG = 1.5831
Revenue TTM = 912.8m USD
EBIT TTM = 186.6m USD
EBITDA TTM = 228.6m USD
Long Term Debt = 887.8m USD (from longTermDebt, last quarter)
Short Term Debt = 377.5m USD (from shortTermDebt, last quarter)
Debt = 1.27b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.06b USD (calculated: Debt 1.27b - CCE 201.3m)
Enterprise Value = 4.30b USD (3.24b + Debt 1.27b - CCE 201.3m)
Interest Coverage Ratio = 0.64 (Ebit TTM 186.6m / Interest Expense TTM 291.4m)
EV/FCF = 19.49x (Enterprise Value 4.30b / FCF TTM 220.7m)
FCF Yield = 5.13% (FCF TTM 220.7m / Enterprise Value 4.30b)
FCF Margin = 24.18% (FCF TTM 220.7m / Revenue TTM 912.8m)
Net Margin = 15.92% (Net Income TTM 145.3m / Revenue TTM 912.8m)
Gross Margin = 63.36% ((Revenue TTM 912.8m - Cost of Revenue TTM 334.5m) / Revenue TTM)
Gross Margin QoQ = 66.04% (prev 55.30%)
Tobins Q-Ratio = 0.20 (Enterprise Value 4.30b / Total Assets 21.1b)
Interest Expense / Debt = 23.03% (Interest Expense 291.4m / Debt 1.27b)
Taxrate = 22.12% (41.3m / 186.6m)
NOPAT = 145.3m (EBIT 186.6m * (1 - 22.12%))
Current Ratio = 0.01 (Total Current Assets 201.3m / Total Current Liabilities 13.4b)
Debt / Equity = 0.41 (Debt 1.27b / totalStockholderEquity, last quarter 3.06b)
Debt / EBITDA = 4.65 (Net Debt 1.06b / EBITDA 228.6m)
Debt / FCF = 4.82 (Net Debt 1.06b / FCF TTM 220.7m)
Total Stockholder Equity = 2.69b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.79% (Net Income 145.3m / Total Assets 21.1b)
RoE = 5.40% (Net Income TTM 145.3m / Total Stockholder Equity 2.69b)
RoCE = 5.21% (EBIT 186.6m / Capital Employed (Equity 2.69b + L.T.Debt 887.8m))
RoIC = 0.69% (NOPAT 145.3m / Invested Capital 21.1b)
WACC = 11.81% (E(3.24b)/V(4.50b) * Re(9.42%) + D(1.27b)/V(4.50b) * Rd(23.03%) * (1-Tc(0.22)))
Discount Rate = 9.42% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 67.42 | Cagr: 11.53%
[DCF] Terminal Value 67.61% ; FCFF base≈204.3m ; Y1≈234.2m ; Y5≈344.7m
[DCF] Fair Price = 22.07 (EV 3.21b - Net Debt 1.06b = Equity 2.15b / Shares 97.2m; r=11.81% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -5.90 | EPS CAGR: -0.69% | SUE: 0.65 | # QB: 0
Revenue Correlation: 92.13 | Revenue CAGR: 10.73% | SUE: 0.17 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.60 | Chg30d=+0.28% | Revisions=-38% | Analysts=6
EPS next Quarter (2026-09-30): EPS=0.64 | Chg30d=+0.79% | Revisions=-62% | Analysts=5
EPS current Year (2026-12-31): EPS=2.51 | Chg30d=-0.06% | Revisions=+12% | GrowthEPS=+36.5% | GrowthRev=+28.7%
EPS next Year (2027-12-31): EPS=2.74 | Chg30d=+0.74% | Revisions=+25% | GrowthEPS=+9.0% | GrowthRev=+6.8%
[Analyst] Revisions Ratio: -32% (up=5, down=11)