Seacoast Banking Of Florida (SBCF) AI Stock Analysis

• Market Cap: $2.92B
• Dividend Yield: 2.25%
• Average Volume (3M): 602.60K
• Price to Earnings (P/E): 22.2
• Beta (1Y): 0.99
• Revenue Growth: 6.83%
• EPS Growth: 23.44%
• Country: US
• Employees: 1,518
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.44
• Shares Outstanding: 97,958,730
• 10 Day Avg. Volume: 659,806
• 30 Day Avg. Volume: 602,596
• PEG Ratio: 1.44
• Price to Book (P/B): 0.91
• Price to Sales (P/S): 3.19
• P/FCF Ratio: 16.16
• Enterprise Value/Market Cap: 1.40
• Enterprise Value/Revenue: 4.54
• Enterprise Value/Gross Profit: 7.23
• Enterprise Value/Ebitda: 20.15
• 1Y Price Target: $35.75
• Price Target Upside: 18.53% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 2.5
• Revenue Forecast (FY): $854.97M

• Rating: 71 Outperform
• Price Target: $34.00 ▲(12.73% Upside)
• Action: Upgraded Date: 02/28/26
• Date: Action: Upgraded 02/28/26

The score is driven primarily by solid financial performance (growth and improved cash generation) and constructive earnings-call guidance for 2026 (margin expansion and strong capital). These positives are partially offset by weak current technical momentum and a mid-range valuation with only a moderate dividend yield.

Positive Factors

Revenue & Cash Generation

Sustained 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 & Acquisition

Robust 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 Diversification

Rapid 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.

Negative Factors

Rising Leverage & Modest ROE

Balance‑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 Compression

Despite 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 Volatility

Material 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 Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Seacoast Banking of Florida generates revenue primarily through interest income and non-interest income. Interest income is earned from loans, which include personal loans, commercial loans, and mortgages, where the bank charges interest on the money lent to customers. Non-interest income is derived from various fees and charges, including service fees on deposit accounts, transaction fees, and wealth management services. Additionally, the bank may earn revenue from investment securities and other financial products. Key partnerships with local businesses and real estate developers can also contribute to loan growth and service expansion, enhancing overall earnings. Various economic factors, including interest rate changes and local market conditions, also play a significant role in the bank's financial performance.

Seacoast Banking Of Florida Financial Statement Overview

Summary

Strong multi-year revenue growth with healthy profitability, and a notable step-up in 2025 operating/free cash flow with good cash conversion. Offsets include margin compression versus earlier years, rising leverage versus prior periods, and modest recent ROE.

Income Statement

Revenue has expanded strongly over the multi-year period (from $349M in 2020 to $870M in 2025), with solid growth continuing in 2024–2025. Profitability remains healthy with a 2025 net margin around 16.7% and EBIT margin around 21.4%. The key weakness is margin compression versus earlier years (notably 2021–2022), suggesting the earnings profile has become less favorable even as the top line grows.

Balance Sheet

The balance sheet has grown materially (assets rising to ~$20.8B in 2025 and equity to ~$3.1B), supporting scale and resilience. Leverage is still moderate with 2025 debt-to-equity around 0.44, but it has increased meaningfully from prior years, reducing financial flexibility. Returns on equity are positive but relatively modest in recent years (about 4.7% in 2025), which tempers the otherwise solid balance sheet progression.

Cash Flow

Cash generation strengthened notably in 2025, with operating cash flow and free cash flow both about $309M and a sharp free-cash-flow increase versus the prior year. Cash flow quality looks solid with free cash flow roughly matching net income in 2025 (about 1.0x), indicating earnings are translating into cash. The main caution is that cash flow has shown some variability across years, and the provided cash-flow-to-debt coverage remains low in absolute terms, which is typical to watch as leverage rises.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	869.54M	808.99M	768.13M	446.58M	354.97M
Gross Profit	535.38M	498.14M	528.63M	404.91M	356.04M
EBITDA	186.51M	175.05M	134.68M	148.77M	154.89M
Net Income	144.88M	120.99M	104.03M	106.51M	124.40M
Balance Sheet
Total Assets	20.84B	15.18B	14.58B	12.15B	9.68B
Cash, Cash Equivalents and Short-Term Investments	5.35B	2.67B	2.29B	2.08B	2.38B
Total Debt	1.34B	584.04M	530.88M	406.56M	193.21M
Total Liabilities	17.79B	12.99B	12.47B	10.54B	8.37B
Stockholders Equity	3.06B	2.18B	2.11B	1.61B	1.31B
Cash Flow
Free Cash Flow	171.58M	175.87M	140.32M	183.21M	150.25M
Operating Cash Flow	180.76M	179.90M	150.61M	195.86M	154.57M
Investing Cash Flow	-699.46M	-606.88M	527.45M	-364.88M	-412.51M
Financing Cash Flow	430.64M	456.41M	-432.82M	-366.77M	591.58M

Seacoast Banking Of Florida Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 30.16
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SBCF, the sentiment is Negative. The current price of 30.16 is below the 20-day moving average (MA) of 32.06, below the 50-day MA of 32.86, and below the 200-day MA of 30.26, indicating a bearish trend. The MACD of -0.78 indicates Positive momentum. The RSI at 35.61 is Neutral, neither overbought nor oversold. The STOCH value of 41.99 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SBCF.

Seacoast Banking Of Florida Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOH	74 Outperform	$2.90B	13.16	11.62%	3.99%	3.40%	23.04%
PRK	73 Outperform	$2.82B	13.59	13.70%	2.96%	6.29%	28.28%
CVBF	72 Outperform	$2.55B	12.23	9.25%	4.00%	-8.43%	3.75%
PFS	72 Outperform	$2.66B	8.86	10.62%	4.69%	38.34%	89.73%
SBCF	71 Outperform	$2.92B	22.20	5.83%	2.25%	6.83%	23.44%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FBK	64 Neutral	$2.65B	24.15	6.87%	1.34%	10.50%	-6.22%

Seacoast Banking Of Florida Corporate Events

Seacoast Banking Hosts Investor Meetings Amid Outlook Uncertainty

In February 2026, Seacoast Banking Corporation of Florida plans to hold one-on-one meetings with investors to discuss its business strategy, financial performance, recent developments and opportunities, supported by an investor presentation available on its website. The materials emphasize that many of the company’s statements about expected results, integration of acquisitions, market conditions, and growth plans are subject to significant economic, regulatory, technological, and industry risks that could cause actual outcomes to differ materially, underlining the uncertainty facing both the bank and its stakeholders.

The most recent analyst rating on (SBCF) stock is a Hold with a $33.50 price target. To see the full list of analyst forecasts on Seacoast Banking Of Florida stock, see the SBCF Stock Forecast page.

Seacoast Banking Announces Strong 2025 Results, Portfolio Repositioning

On January 29, 2026, Seacoast Banking Corporation of Florida reported unaudited results for the fourth quarter and full year 2025, highlighted by net income of $34.3 million that reflected significant merger and integration costs and day-one credit provisions tied to its October 1, 2025 acquisition of Villages Bancorporation, Inc. Adjusted pre-tax pre-provision earnings rose 39% quarter over quarter and 65% year over year, supported by 15% annualized organic loan growth, a 31% sequential and 28% annual increase in net interest income, an improving efficiency ratio, and industry-leading capital and liquidity metrics. The company continued executing its acquisition-driven strategy, completing the transformative VBI deal that added $4.4 billion in assets, including approximately $1.2 billion in loans, $3.5 billion in deposits and 19 branches in The Villages community, as well as the earlier 2025 acquisition of Heartland Bancshares, Inc., which brought additional loans, deposits and four branches in Central Florida, with Heartland’s integration finalized in the third quarter of 2025. On January 23, 2026, Seacoast repositioned part of its available-for-sale securities portfolio by selling lower-yielding securities at a pre-tax loss of about $39.5 million and reinvesting roughly $277 million of proceeds into primarily agency mortgage-backed securities at higher yields, a move designed to enhance long-term net interest income and margin despite the near-term hit to earnings. Operating results also benefited from expanding noninterest income streams, including higher service charges on deposits, strong wealth management growth, and increased mortgage banking income following the VBI acquisition, while credit loss provisioning rose mainly due to the required day-one allowance build on acquired VBI loans, leaving allowance coverage at 1.42%.

The most recent analyst rating on (SBCF) stock is a Hold with a $36.00 price target. To see the full list of analyst forecasts on Seacoast Banking Of Florida stock, see the SBCF Stock Forecast page.

Seacoast Banking Expands Share Repurchase Authorization to 2026

On December 19, 2025, Seacoast Banking Corporation of Florida’s board renewed and expanded its share repurchase program, which had been scheduled to expire on December 31, 2025, authorizing the buyback of up to $150 million of common stock, or roughly 5% of its outstanding shares, through December 31, 2026. The authorization, which allows purchases via open market, block, privately negotiated transactions, or Rule 10b5-1 trading plans and may be suspended or modified at any time, gives the bank added flexibility in capital management and signals confidence in its financial position and post-acquisition scale, though it does not obligate Seacoast to repurchase a specific number of shares and remains subject to market, regulatory, liquidity, and performance considerations.

The most recent analyst rating on (SBCF) stock is a Hold with a $35.00 price target. To see the full list of analyst forecasts on Seacoast Banking Of Florida stock, see the SBCF Stock Forecast page.