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Seacoast Banking Corporation Of Florida (SBCF)
NASDAQ:SBCF
SBCF Stock Chart & Stats
$31.12
-$0.09(-0.34%)
At close: 4:00 PM EST
$31.12
-$0.09(-0.34%)
Day’s Range― - ―
52-Week Range$21.36 - $35.55
Previous CloseN/A
Volume38.20K
Average Volume (3M)602.60K
Market Cap
$3.04B
Enterprise Value$4.28B
Total Cash (Recent Filing)$5.35B
Total Debt (Recent Filing)$1.34B
Price to Earnings (P/E)19.7
Beta0.98
Next Earnings
Apr 23, 2026EPS Estimate
0.53Next Dividend Ex-DateN/A
Dividend Yield2.25%
Share Statistics
EPS (TTM)0.44
Shares Outstanding97,828,150
10 Day Avg. Volume659,806
30 Day Avg. Volume602,596
Financial Highlights & Ratios
PEG Ratio1.44
Price to Book (P/B)0.91
Price to Sales (P/S)3.19
P/FCF Ratio8.97
Enterprise Value/Market Cap1.41
Enterprise Value/Revenue4.77
Enterprise Value/Gross Profit7.59
Enterprise Value/Ebitda21.17
Forecast
1Y Price Target
$35.75Price Target Upside14.88% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.5
Revenue Forecast (FY)$854.97M
Bulls Say, Bears Say
Bulls Say
Revenue & Cash GenerationSustained multi‑year top‑line growth with a large 2025 free cash flow outturn (operating and FCF ~ $309M) shows durable cash conversion. This strengthens internal funding for loan growth, reinvestment, buybacks and capital buffers, reducing reliance on external funding over the medium term.
Capital Strength & AcquisitionRobust regulatory capital metrics and the VBI deal’s unexpectedly higher tangible capital create a material buffer. Strong capital improves lending headroom, supports share repurchases and funds securities reinvestment that sustainably boosts net interest income, enhancing balance‑sheet resilience.
Wealth & Fee DiversificationRapid AUM growth and expanding fee income diversify revenue away from pure net interest reliance. Recurring wealth and treasury fees increase revenue stability across interest‑rate cycles, improve margin mix, and support long‑term profitability even if interest spreads waver.
Bears Say
Rising Leverage & Modest ROEBalance‑sheet scale has increased but leverage has ticked up materially, and 2025 ROE is relatively low (~4.7%). Higher leverage and modest returns constrain financial flexibility, limit excess capital for opportunistic investments, and raise sensitivity to credit or rate stress over the medium term.
Margin CompressionDespite healthy revenue expansion, margins have compressed from earlier periods, signaling pressure from funding costs, pricing dynamics, or rising operating expenses. Persistent margin erosion would reduce EPS leverage from loan growth and make achieving targeted efficiency ratios more challenging.
Acquisition Costs & Earnings VolatilityMaterial day‑one provisions, merger/integration charges and intangible amortization have raised recurring expense levels and introduced accretion volatility. These factors create persistent earnings noise and pressure the efficiency ratio, complicating near‑term predictability of reported results and returns.
Seacoast Banking Of Florida News
SBCF FAQ
What was Seacoast Banking Corporation Of Florida’s price range in the past 12 months?
Seacoast Banking Corporation Of Florida lowest stock price was $21.36 and its highest was $35.55 in the past 12 months.
What is Seacoast Banking Corporation Of Florida’s market cap?
Seacoast Banking Corporation Of Florida’s market cap is $3.04B.
When is Seacoast Banking Corporation Of Florida’s upcoming earnings report date?
Seacoast Banking Corporation Of Florida’s upcoming earnings report date is Apr 23, 2026 which is in 51 days.
How were Seacoast Banking Corporation Of Florida’s earnings last quarter?
Seacoast Banking Corporation Of Florida released its earnings results on Jan 29, 2026. The company reported $0.44 earnings per share for the quarter, missing the consensus estimate of $0.498 by -$0.058.
Is Seacoast Banking Corporation Of Florida overvalued?
According to Wall Street analysts Seacoast Banking Corporation Of Florida’s price is currently Undervalued.
Does Seacoast Banking Corporation Of Florida pay dividends?
Seacoast Banking Corporation Of Florida pays a Quarterly dividend of $0.19 which represents an annual dividend yield of 2.25%. See more information on Seacoast Banking Corporation Of Florida dividends here
What is Seacoast Banking Corporation Of Florida’s EPS estimate?
Seacoast Banking Corporation Of Florida’s EPS estimate is 0.53.
How many shares outstanding does Seacoast Banking Corporation Of Florida have?
Seacoast Banking Corporation Of Florida has 97,828,150 shares outstanding.
What happened to Seacoast Banking Corporation Of Florida’s price movement after its last earnings report?
Seacoast Banking Corporation Of Florida reported an EPS of $0.44 in its last earnings report, missing expectations of $0.498. Following the earnings report the stock price went down -1.993%.
Which hedge fund is a major shareholder of Seacoast Banking Corporation Of Florida?
Currently, no hedge funds are holding shares in SBCF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Seacoast Banking Of Florida Stock Smart Score
Underperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$35.75 (14.88% Upside)
$35.75 (14.88% Upside)
Hedge Fund Trend
Decreased
By 222.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $570.9K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Negative
Last 7 Days ▼ 1.2%
Last 30 Days ▲ 0.5%
Last 30 Days ▲ 0.5%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
11.65%
12-Months-Change
Fundamentals
Return on Equity
6.33%
Trailing 12-Months
Asset Growth
6.64%
Trailing 12-Months
Company Description
Seacoast Banking Corporation Of Florida
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.
SBCF Company Deck
SBCF Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a predominantly positive operating and strategic picture: strong organic loan growth (15% annualized), rapid net interest income and margin expansion, meaningful fee and wealth momentum (AUM +37% YoY and $550M new AUM), a strengthened balance sheet and better-than-expected capital from the VBI acquisition that enabled a securities reposition with significant yield pickup. Near-term lowlights are largely acquisition-related and transitory — merger/integration costs, day-one provisions, intangible amortization, and some accretion volatility — plus seasonally higher Q1 expenses and localized real estate pockets of weakness. Given robust guidance for 2026, solid capital metrics, and management’s articulation of path to improved efficiency and returns post-conversion, the positive operating and capital developments outweigh the manageable near-term costs and risks.View all SBCF earnings summariesSBCF Stock 12 Month Forecast
Average Price Target
$35.75
▲(14.88% Upside)
Technical Analysis
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Ownership Overview
1.82% Insiders
22.56% Mutual Funds
25.41% Other Institutional Investors
27.55% Public Companies and
Individual Investors