(SBCF) Seacoast Banking of Florida - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 2.898m USD | Total Return: 27% in 12m
Avg Turnover: 25.3M
EPS Trend: 34.3%
Qual. Beats: 0
Rev. Trend: 92.1%
Qual. Beats: 0
Warnings
Share dilution 27.8% YoY
Below Avwap Earnings
Tailwinds
No distinct edge detected
Seacoast Banking Corporation of Florida (SBCF) serves as the holding company for Seacoast National Bank, providing a comprehensive suite of commercial and retail banking services throughout Florida. Its portfolio includes diverse deposit products, wealth management, and insurance services, alongside a lending vertical that covers residential, commercial, and construction real estate.
Operating within the regional banking sector, the company utilizes a community-focused business model that prioritizes local relationship management to compete with national institutions. Regional banks often maintain higher concentrations of commercial real estate loans relative to their larger counterparts, making geographic economic health a primary driver of performance. Established in 1926, the firm maintains its headquarters in Stuart, Florida, and leverages digital platforms to complement its physical branch network.
Investors may find additional fundamental insights by reviewing the latest valuation metrics on ValueRay. This summary provides a baseline for understanding the companys long-standing operational structure and service offerings within the Florida market.
- Florida population growth fuels demand for commercial and residential real estate loans
- Net interest margin sensitivity increases amid shifting Federal Reserve monetary policy cycles
- Strategic acquisitions in high-growth Florida markets accelerate deposit and asset expansion
- Non-interest income growth depends on wealth management and mortgage service adoption rates
- Credit quality performance across Florida commercial real estate portfolio impacts valuation multiples
| Net Income: 145.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.20 > 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 (226.3m): 4.70 < 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 0.62%; Δ 6.27k% > 0.5%) |
| Asset Turnover: 4.95% > 50% (prev 5.21%; Δ -0.26% > 0%) |
| Interest Coverage Ratio: 0.64 > 6 (EBITDA TTM 226.3m / 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: 0.03 (Book Value of Equity 546.1m / Total Liabilities 18.1b) |
| Altman-Z'' = -3.91 = D |
As of May 24, 2026, the stock is trading at USD 30.50 with a total of 624,590 shares traded.
Over the past week, the price has changed by +2.32%,
over one month by -4.87%,
over three months by -4.53% and
over the past year by +27.03%.
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 | 34.6 | 13.4% |
P/E Forward = 16.9205
P/S = 4.5998
P/B = 1.1121
P/EG = 1.5831
Revenue TTM = 912.8m USD
EBIT TTM = 186.6m USD
EBITDA TTM = 226.3m USD
Long Term Debt = 947.8m USD (from longTermDebt, last fiscal year)
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 = 3.96b USD (2.90b + Debt 1.27b - CCE 201.3m)
Interest Coverage Ratio = 0.64 (Ebit TTM 186.6m / Interest Expense TTM 291.4m)
EV/FCF = 20.80x (Enterprise Value 3.96b / FCF TTM 190.5m)
FCF Yield = 4.81% (FCF TTM 190.5m / Enterprise Value 3.96b)
FCF Margin = 20.86% (FCF TTM 190.5m / 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 = 0.19 (Enterprise Value 3.96b / Total Assets 21.1b)
Interest Expense / Debt = 23.03% (Interest Expense 291.4m / Debt 1.27b)
Taxrate = 22.06% (9.03m / 40.9m)
NOPAT = 145.4m (EBIT 186.6m * (1 - 22.06%))
Current Ratio = 0.01 (Total Current Assets 201.3m / Total Current Liabilities 23.4b)
Debt / Equity = 0.41 (Debt 1.27b / totalStockholderEquity, last quarter 3.06b)
Debt / EBITDA = 4.70 (Net Debt 1.06b / EBITDA 226.3m)
Debt / FCF = 5.59 (Net Debt 1.06b / FCF TTM 190.5m)
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 = 5.13% (EBIT 186.6m / Capital Employed (Equity 2.69b + L.T.Debt 947.8m))
RoIC = 0.69% (NOPAT 145.4m / Invested Capital 21.1b)
WACC = 12.34% (E(2.90b)/V(4.16b) * Re(9.89%) + D(1.27b)/V(4.16b) * Rd(23.03%) * (1-Tc(0.22)))
Discount Rate = 9.89% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 67.42 | Cagr: 11.53%
[DCF] Terminal Value 64.36% ; FCFF base≈183.8m ; Y1≈199.2m ; Y5≈245.8m
[DCF] Fair Price = 11.92 (EV 2.22b - Net Debt 1.06b = Equity 1.16b / Shares 97.2m; r=12.34% [WACC]; 5y FCF grow 9.59% → 2.50% )
EPS Correlation: 34.31 | EPS CAGR: 3.63% | SUE: 0.62 | # 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=-2.71% | Revisions=-33% | Analysts=6
EPS next Quarter (2026-09-30): EPS=0.64 | Chg30d=-3.05% | Revisions=-56% | Analysts=6
EPS current Year (2026-12-31): EPS=2.51 | Chg30d=-0.27% | Revisions=+11% | GrowthEPS=+36.6% | GrowthRev=+29.3%
EPS next Year (2027-12-31): EPS=2.72 | Chg30d=-1.33% | Revisions=-50% | GrowthEPS=+8.2% | GrowthRev=+6.3%
[Analyst] Revisions Ratio: -56%