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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 Framework: Banks & Lenders Mid Cap
Seacoast Banking Corporation of Florida (SBCF), is a Mid Cap company, in the Banks - Regional industry, last closed at $32.78, about 11.3% overvalued vs fair value, +7.5% 1Y return, ranked 364/1078 in sector.
Metrics P/E 19.6× Rev Growth 26.6% ROE 5.5% Gross Margin 82.0% Div Yield 2.20%
USD 32.78
-2.82%
(Delayed)
• Vol 90d: 21.1%
52-Week Range
Market Cap
$3.17B
Enterprise Value
$4.03B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Good
Growth
Good
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Good
Completeness: 94%
Confidence: 92%
Updated: Oct 24
Top Beats

Quick Facts

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

Next Events

Dividend Dec 15

Fair Value Snapshot

Bear Base Bull
$16
$29
$54
Current: $32.78 -11% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$836.4M
15.3%%
Interest Expense
$282.9M
Net Interest Income
$553.5M
28.1%%
Total Revenue
$652.6M
26.6%%
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
5.3%
Poor

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$67.7M
47.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
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
37
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.25).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.32).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Developing
39
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing SBCF's balance between Growth (44.5%), Profitability (22.2%), and Safety (33.2%). Growth 45% Safety 33% Profitability 22%

Click axes to expand details. Marker shows current allocation.

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Growth

82th percentile vs peers
82
Key Signals
Asset Growth YoY 37.3% 96p NII Growth YoY 28.1% 88p Equity Growth YoY 24.2% 89p EPS Growth YoY 12.6% 41p
Strengths
  • Growth performance in top 20% of peers (percentile: 82)
  • Asset Growth YoY in top 20% of peers (37.3%, 96th percentile)
  • NII Growth YoY in top 20% of peers (28.1%, 88th percentile)
  • Equity Growth YoY in top 20% of peers (24.2%, 89th percentile)
  • Equity/Assets in top 20% of peers (14.7%, 84th percentile)
Risks

No significant risks identified for this axis.

Profitability

41th percentile vs peers
41
Key Signals
Strengths
Risks
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Safety

61th percentile vs peers
61
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
$29.07
- - -
-11.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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