Seacoast Banking Of Florida (SBCF) AI Stock Analysis

• Market Cap: $3.16B
• Dividend Yield: 2.27%
• Average Volume (3M): 602.60K
• Price to Earnings (P/E): 19.1
• Beta (1Y): 0.95
• Revenue Growth: 6.83%
• EPS Growth: 23.44%
• Country: US
• Employees: 1,518
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.52
• Shares Outstanding: 97,828,150
• 10 Day Avg. Volume: 659,806
• 30 Day Avg. Volume: 602,596
• PEG Ratio: 1.25
• Price to Book (P/B): 1.06
• Price to Sales (P/S): 2.87
• P/FCF Ratio: 13.21
• Enterprise Value/Market Cap: 1.01
• Enterprise Value/Revenue: 3.73
• Enterprise Value/Gross Profit: 5.74
• Enterprise Value/Ebitda: 14.25
• 1Y Price Target: $34.17
• Price Target Upside: 6.85% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 66 Neutral
• Price Target: $35.00 ▲(9.44% Upside)

Seacoast Banking Of Florida's overall stock score reflects a mixed financial performance with strong profitability but declining revenue growth. Positive technical indicators and strategic acquisitions provide a favorable outlook, while valuation remains reasonable. The earnings call and corporate events further support a positive sentiment, despite some competitive pressures.

Positive Factors

Successful Acquisitions

These acquisitions enhance Seacoast's asset base and liquidity, strengthening its market position and supporting long-term growth.

Strong Capital Position

A strong capital position provides financial stability and flexibility, enabling the bank to withstand economic fluctuations and invest in growth opportunities.

Improved Asset Quality

Improved asset quality reduces risk and enhances financial health, supporting sustainable profitability and customer trust.

Negative Factors

Declining Revenue Growth

A sharp decline in revenue growth indicates potential challenges in maintaining market share and could impact future profitability.

Decreasing Free Cash Flow

Reduced free cash flow growth can limit the company's ability to invest in new opportunities, affecting long-term strategic initiatives.

High Competition in Loan Pricing

Intense competition in loan pricing can compress margins, impacting profitability and potentially leading to riskier lending practices.

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

Seacoast Banking Of Florida shows strong profitability margins and a stable balance sheet. However, the significant decline in revenue growth and free cash flow growth are concerning, indicating challenges in sustaining financial health despite operational efficiencies.

Income Statement

Seacoast Banking Of Florida's income statement shows a significant decline in revenue growth rate at -67.25% TTM, indicating a challenging period. However, the company maintains a strong net profit margin of 52.90% TTM, suggesting effective cost management. The EBIT and EBITDA margins are also robust at 72.19% and 83.73% TTM, respectively, reflecting operational efficiency. Despite these strengths, the sharp revenue decline is a major concern.

Balance Sheet

The balance sheet reveals a moderate debt-to-equity ratio of 0.43 TTM, indicating a balanced approach to leveraging. The return on equity is relatively low at 1.50% TTM, suggesting limited profitability from equity investments. However, the equity ratio stands at 14.26% TTM, showing a stable capital structure. Overall, the balance sheet is stable but lacks strong profitability metrics.

Cash Flow

Cash flow analysis indicates a decrease in free cash flow growth at -8.97% TTM, which could impact future investments. The free cash flow to net income ratio is strong at 99.92% TTM, demonstrating efficient cash conversion. However, the operating cash flow to net income ratio is low, suggesting potential challenges in cash generation from operations.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	853.83M	808.99M	768.13M	446.58M	354.97M	348.61M
Gross Profit	555.84M	498.14M	528.63M	404.91M	356.04M	285.95M
EBITDA	223.74M	175.05M	134.68M	148.77M	154.89M	102.30M
Net Income	144.70M	120.99M	104.03M	106.51M	124.40M	77.76M
Balance Sheet
Total Assets	16.68B	15.18B	14.58B	12.15B	9.68B	8.34B
Cash, Cash Equivalents and Short-Term Investments	3.51B	2.67B	2.29B	2.08B	2.38B	1.80B
Total Debt	1.03B	584.04M	530.88M	406.56M	193.21M	190.97M
Total Liabilities	14.30B	12.99B	12.47B	10.54B	8.37B	7.21B
Stockholders Equity	2.38B	2.18B	2.11B	1.61B	1.31B	1.13B
Cash Flow
Free Cash Flow	171.24M	175.87M	140.32M	183.21M	150.25M	59.06M
Operating Cash Flow	178.54M	179.90M	150.61M	195.86M	154.57M	60.65M
Investing Cash Flow	-1.06B	-606.88M	527.45M	-364.88M	-412.51M	-342.50M
Financing Cash Flow	548.94M	456.41M	-432.82M	-366.77M	591.58M	561.41M

Seacoast Banking Of Florida Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 31.98
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SBCF, the sentiment is Positive. The current price of 31.98 is above the 20-day moving average (MA) of 31.52, above the 50-day MA of 30.84, and above the 200-day MA of 27.79, indicating a bullish trend. The MACD of 0.56 indicates Negative momentum. The RSI at 57.62 is Neutral, neither overbought nor oversold. The STOCH value of 45.24 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SBCF.

Seacoast Banking Of Florida Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PFS	80 Outperform	$2.72B	10.61	9.51%	4.61%	38.34%	89.73%
CVBF	74 Outperform	$2.74B	13.55	9.10%	4.00%	-8.43%	3.75%
PRK	73 Outperform	$2.63B	15.09	13.69%	2.87%	6.29%	28.28%
BOH	71 Outperform	$2.76B	16.95	10.65%	4.04%	3.40%	23.04%
FBK	71 Outperform	$3.11B	27.12	5.85%	1.33%	10.50%	-6.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SBCF	66 Neutral	$3.16B	19.15	6.33%	2.27%	6.83%	23.44%

Seacoast Banking Of Florida Corporate Events

Seacoast Banking Plans Investor Meetings in November 2025

Seacoast Banking Corporation of Florida announced that it will hold one-on-one meetings with investors in November 2025 to discuss its business strategy, financial performance, and future opportunities. This initiative aims to enhance investor relations and provide insights into the company’s strategic plans and recent developments, potentially impacting its market positioning and stakeholder engagement.

Seacoast Banking Reports Q3 2025 Financial Results

Seacoast Banking Corporation of Florida reported its third-quarter 2025 financial results, highlighting a net income of $36.5 million, despite a decrease from the previous quarter. The company achieved strong organic growth in deposits and loans, completed the acquisition of Heartland Bancshares, Inc., and maintained a robust capital and liquidity position. Strategic investments in high-quality bankers have contributed to robust loan production and pipeline expansion, enhancing diversified revenue streams. The acquisition of Villages Bancorporation, Inc. further expands Seacoast’s presence in North Central Florida, positioning the company for stronger profitability and earnings in the future.

Seacoast Banking Completes Acquisition of Villages Bancorporation

On October 1, 2025, Seacoast Banking Corporation of Florida completed its acquisition of Villages Bancorporation, Inc., the parent company of Citizens First Bank. This merger, valued at approximately $829 million, expands Seacoast’s presence into The Villages, a rapidly growing community in Central Florida. The merger agreement allowed VBI shareholders to choose between cash, Seacoast common stock, or a combination of both, with specific proration mechanisms in place. This strategic acquisition enhances Seacoast’s market share and aligns with its commitment to personalized service, potentially creating greater value for customers and shareholders.