Seacoast Banking Corporation Of Florida (SBCF)
NASDAQ:SBCF
SBCF Stock Chart & Stats
$32.37
-$0.09(-0.34%)
At close: 4:00 PM EST
$32.37
-$0.09(-0.34%)
Day’s Range― - ―
52-Week Range$21.53 - $35.55
Previous CloseN/A
Volume38.20K
Average Volume (3M)602.60K
Market Cap
$3.17B
Enterprise Value$4.33B
Total Cash (Recent Filing)$5.35B
Total Debt (Recent Filing)$1.34B
Price to Earnings (P/E)19.1
Beta0.98
Next Earnings
Apr 28, 2026EPS Estimate
0.58Next Dividend Ex-DateN/A
Dividend Yield2.25%
Share Statistics
EPS (TTM)0.44
Shares Outstanding97,958,730
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 Ratio15.50
Enterprise Value/Market Cap1.36
Enterprise Value/Revenue4.82
Enterprise Value/Gross Profit7.67
Enterprise Value/Ebitda21.39
Forecast
1Y Price Target
$35.75Price Target Upside10.44% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.52
Revenue Forecast (FY)$850.83M
Bulls Say, Bears Say
Bulls Say
Cash Generation & Free Cash FlowSustained operating and free cash flow (~$309M in 2025) indicates solid cash conversion and internal funding capacity. Durable cash generation supports loan originations, capital deployment for growth or M&A, dividend funding, and provides a buffer against cyclical credit stress over the next 2–6 months and beyond.
Strong Regulatory CapitalAbove‑average Tier 1 and tangible capital metrics provide regulatory cushion and acquisition flexibility. Higher capital supports balance sheet growth, enables loan and deposit absorption from recent deals, and shortens earn‑back periods for acquisitions, reducing medium‑term solvency and funding risks.
Wealth & Fee DiversificationMeaningful wealth management and fee income growth (AUM +37% YoY) diversifies revenue away from pure interest margins. Durable fee streams improve earnings stability across rate cycles, support cross‑sell, and can help sustain margins as loan/deposit growth normalizes in 2026–2028.
Bears Say
Rising Leverage / Balance Sheet ExpansionMaterial balance sheet growth and higher leverage reduce financial flexibility and increase sensitivity to funding cost shifts. As leverage ticks up, interest expense and coverage ratios may be pressured if loan yields or credit quality weaken, making capital and liquidity management more critical over the medium term.
HTM Unrealized LossesLarge unrealized losses held in HTM limit tangible book value recovery and lock in interest rate risk on the balance sheet. Because management doesn’t plan to sell HTM, these losses could constrain future capital actions or create mark‑to‑market pressure should accounting or policy choices change, a structural risk to returns.
Acquisition-Related Expense & Earnings VolatilityMaterial merger/integration charges, day‑one provisions and intangible amortization materially raise near‑term expenses and introduce earnings volatility. These costs pressure efficiency and reported returns until synergies and earn‑back are realized, keeping reported profitability uneven through integration (2026–2027).
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 $21.53 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 $3.17B.
When is Seacoast Banking Corporation Of Florida’s upcoming earnings report date?
Seacoast Banking Corporation Of Florida’s upcoming earnings report date is Apr 28, 2026 which is in 15 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 0.58.
How many shares outstanding does Seacoast Banking Corporation Of Florida have?
Seacoast Banking Corporation Of Florida has 97,958,730 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 -1.994%.
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
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3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$35.75 (10.44% Upside)
$35.75 (10.44% 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
Very Negative
Last 7 Days ▼ 0.9%
Last 30 Days ▼ 3.1%
Last 30 Days ▼ 3.1%
News Sentiment
Very Bearish
Bullish news 0%
Bearish news 100%
Bearish news 100%
Technicals
SMA
Positive
20 days / 200 days
Momentum
11.65%
12-Months-Change
Fundamentals
Return on Equity
5.83%
Trailing 12-Months
Asset Growth
37.48%
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
▲(10.44% Upside)
Technical Analysis
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Ownership Overview
1.80% Insiders
23.35% Mutual Funds
25.40% Other Institutional Investors
26.51% Public Companies and
Individual Investors