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Company Analysis

Seacoast Banking Corporation of SBCF

A comprehensive view of key metrics, scores, and financial health for Seacoast Banking Corporation of

Overview of Seacoast Banking Corporation of Florida

SBCF NMS
Financial Services Banks - Regional Mid Cap
Seacoast Banking Corporation of Florida (SBCF), is a Mid Cap company, in the Banks - Regional industry, last closed at $29.81, about 15.5% overvalued vs fair value, +13.8% 1Y return, ranked 370/1004 in sector.
$29.81
-1.16%
As of March 13, 2026
Previous close • Vol 90d: 27.8%
52-Week Range
Market Cap
$2.97B
Enterprise Value
$4.12B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.seacoastbanking.co...
HQ Stuart, FL
Employees 1,962
Fiscal year Dec 31

Next Events

Dividend Mar 31
Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$14
$25
$47
Current: $29.81 -16% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$725.6M
5.3%%
Interest Expense
$282.9M
Net Interest Income
$432.0M
-11.5%%
Total Revenue
$869.5M
68.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
5.5%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$62.5M
51.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Seacoast Banking Corporation of's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
40
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
42
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing SBCF's balance between Growth (52.6%), Profitability (24.7%), and Safety (22.7%). Growth 53% Safety 23% Profitability 25%

Click axes to expand details. Marker shows current allocation.

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Growth

77th percentile vs peers
77
Key Signals
Asset Growth YoY 37.3% 96p Revenue CAGR 3Y 26.2% 77p Rev Growth YoY 68.7% 61p
Strengths
  • Asset Growth Yoy in top 20% of peers (37.3%, 96th percentile)
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

36th percentile vs peers
36
Key Signals
Strengths
Risks
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Safety

33th percentile vs peers
33
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Seacoast Banking Corporation of.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$25.18
- - -
-15.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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