SBCF

Seacoast Banking Corporation of Florida

Fundamental data last updated:November 2, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides financial services to retail and commercial customers in Florida. It offers commercial and retail banking, wealth management, and mortgage services; and brokerage and annuity services. The company offers noninterest and interest-bearing demand deposit, money market, savings, and customer sweep accounts; time certificates of deposit; construction and land development, commercial and residential real estate, and commercial and financial loans; and consumer loans, including installment loans and revolving lines, as well as loans for automobiles, boats, and personal or family purposes. As of December 31, 2021, it had 54 branch and commercial lending offices. The company was founded in 1926 and is headquartered in Stuart, Florida.

 


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VALUATION

P/E

20.15

Market Cap ($M USD)

$2.94B

Forward P/E

11.12

PEG

0.14

PRICE TO SALES

3.22

PRICE TO BOOK

0.96

EV / EBITDA

20.44

5-Year Average P/E

Free Cash Flow Yield

7.51%

DCF Value

$45.74

Graham Number

$32.67

Price to FCF

13.32

EV to FCF

18.14

Earnings Yield

4.96%

FCF Yield

7.51%

DIVIDEND

Yield

2.45%

Annual Payout

$0.74

Payout Ratio

50.32%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$1.50

Next Year EPS Growth Estimate

$2.72

Next Year Revenue Growth Estimate

$901.84M

Return on Equity (ROE)

5.40%

FREE CASH FLOW

Operating Margin

20.44%

Debt-to-Equity

0.44

Piotroski F-Score

6

Altman Z-Score

0.20

Return on Invested Capital (ROIC)

0.90%

Current Ratio

0.53

Quick Ratio

0.53

Net Debt to EBITDA

5.43

Interest Coverage

0.64

Gross Profit margin

63.36%

FCF PER SHARE

$2.28

REVENUE PER SHARE

$9.43

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Gainseekers Quantitative Analysis

Summary

The market seems to be undervaluing Seacoast Banking Corporation of Florida. With a DCF value significantly higher than recent pricing, and a Graham Number that suggests further upside, the stock appears mispriced. The Forward P/E is attractive, indicating potential growth, while the Earnings Yield is modest. However, the Altman Z-score raises red flags about financial distress, suggesting caution. Overall, the valuation metrics hint at a potential opportunity, but not without risks.

AI Exposure / Tech Reliance

In the realm of AI and tech adaptation, regional banks like Seacoast Banking face challenges. Their traditional business model may lag in adopting cutting-edge technology. However, their local expertise and customer relationships could provide a buffer against rapid tech shifts.

The Bull Case

For the discerning value or GARP investor, Seacoast Banking offers compelling reasons to buy. The ROIC, though modest, is complemented by a solid FCF Yield, indicating efficient capital use. A Piotroski F-Score of 6 suggests decent financial health, while robust operating margins reflect pricing power. These factors combine to paint a picture of a bank that knows how to generate and manage cash effectively.

The Bear Case

Despite some strengths, Seacoast Banking is not without its flaws. The Altman Z-score is alarmingly low, signaling potential financial distress. The Price/Sales ratio suggests the stock might be overvalued relative to its revenue. Additionally, the stock's proximity to its 52-week high could indicate technical overextension. Investors should be wary of these structural risks.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$32.50

Institutional Ownership %

1-Year Beta

0.89

Insider Buying % (6 Mo)

Distance to 52-Week High

17.60%

Distance to 52-Week Low

19.09%

EARNINGS SURPRISE %

6.90%

50-DAY SMA

$30.91

200-DAY SMA

$31.38

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.