SBCF
NEUTRAL
$32.73
Live
Seacoast Banking Corporation of Florida · NASDAQ
Target $35.42
(+8.2%)
$22.21
52W Range
$35.55
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 19, 2026
Market cap
$3.21B
P/E
20.85
ROE
5.5%
Profit margin
24.2%
Debt/Equity
N/A
Dividend yield
2.32%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
SBCF presents a conflicting profile with a stable Piotroski F-Score of 4/9 and a current price ($32.73) trading slightly above its Graham Number ($31.45) but significantly above its growth-based intrinsic value ($10.99). While revenue growth is robust at 32.40% YoY, this has not translated to the bottom line, as evidenced by a -23.40% decline in earnings growth and a low ROE of 5.53%. The stock is currently facing strong headwinds from bearish insider sentiment and a very weak technical trend (10/100), suggesting a potential peak in price momentum.
Key Strengths
Strong top-line revenue growth (32.40% YoY and 52.97% Q/Q)
Reasonable Price-to-Book ratio of 1.17
Sustainable dividend payout ratio of 46.50%
Positive analyst sentiment with a target price of $35.42
Strong 1-year price appreciation (+46.2%)
Key Risks
Negative YoY earnings growth (-23.40%) indicating margin compression
Low profitability metrics (ROE 5.53%, ROA 0.80%)
Bearish insider activity with multiple director/officer sales
Severe technical trend weakness (10/100 score)
Significant discrepancy between current price and growth-based intrinsic value
AI Fair Value Estimate
Based on comprehensive analysis
$30.2
-7.7% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
53
Moderate
55
40
65
45
60
AI Verdict
Cautionary Hold
Key drivers: Revenue growth vs Earnings decline, Insider selling, Technical trend reversal, Low ROE
Confidence
90%
Value
55/100
Ref P/E 20.85, Graham Number $31.45, Intrinsic Value $10.99
Positives
- P/B ratio is modest
- Price is near Graham Number
Watchpoints
- P/E of 20.85 is high for current ROE
- Trades at a massive premium to growth-based intrinsic value
Future
40/100
Ref Revenue Growth 32.40%, Earnings Growth -23.40%
Positives
- Exceptional Q/Q revenue growth
- Forward P/E (11.89) suggests expected earnings recovery
Watchpoints
- Negative YoY earnings growth
- Recent Q/Q EPS growth is negative (-15.4%)
Past
65/100
Ref 1Y Change +46.2%, 5Y Change +2.6%
Positives
- Strong 1Y and 3Y price performance
- Consistent history of beating earnings estimates in previous years
Watchpoints
- 5Y change is nearly flat (+2.6%)
Health
45/100
Ref Piotroski F-Score 4/9, ROE 5.53%
Positives
- Piotroski F-Score of 4/9 indicates stability
Watchpoints
- Very low ROA (0.80%)
- Low ROE (5.53%)
Dividend
60/100
Ref Yield 2.32%, Payout 46.50%
Positives
- Consistent dividend payout
- Healthy payout ratio (46.50%)
Watchpoints
- Modest yield (2.32%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$32.73
Analyst Target
$35.42
Upside/Downside
+8.2%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for SBCF and closest competitors.
Updated 2026-04-17
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
SBCF
Seacoast Banking Corporation of Florida
Primary
|
+2.6% | +57.2% | +46.2% | +13.3% | +12.1% | +1.1% |
|
BFH
Bread Financial Holdings, Inc.
Peer
|
+35.8% | +79.6% | +7.7% | +9.5% | -10.3% | -6.7% |
|
SFNC
Simmons First National Corporation
Peer
|
-10.6% | +51.1% | +29.3% | +20.3% | +16.0% | +5.0% |
|
MCHB
Mechanics Bancorp
Peer
|
-60.0% | -9.9% | +46.3% | +13.1% | +4.8% | -0.4% |
|
GBDC
Golub Capital BDC, Inc.
Peer
|
+36.8% | +33.6% | -0.4% | -1.4% | +6.1% | -0.9% |
SBC
Seacoast Banking Corporation of Florida
Primary
5Y
+2.6%
3Y
+57.2%
1Y
+46.2%
6M
+13.3%
1M
+12.1%
1W
+1.1%
BFH
Bread Financial Holdings, Inc.
Peer
5Y
+35.8%
3Y
+79.6%
1Y
+7.7%
6M
+9.5%
1M
-10.3%
1W
-6.7%
SFN
Simmons First National Corporation
Peer
5Y
-10.6%
3Y
+51.1%
1Y
+29.3%
6M
+20.3%
1M
+16.0%
1W
+5.0%
MCH
Mechanics Bancorp
Peer
5Y
-60.0%
3Y
-9.9%
1Y
+46.3%
6M
+13.1%
1M
+4.8%
1W
-0.4%
GBD
Golub Capital BDC, Inc.
Peer
5Y
+36.8%
3Y
+33.6%
1Y
-0.4%
6M
-1.4%
1M
+6.1%
1W
-0.9%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
20.85
Forward P/E
11.89
PEG Ratio
1.58
P/B Ratio
1.17
P/S Ratio
5.36
EV/Revenue
7.49
EV/EBITDA
N/A
Market Cap
$3.21B
Profitability
Profit margins and return metrics
Profit Margin
24.21%
Operating Margin
43.75%
Gross Margin
N/A
ROE
5.53%
ROA
0.8%
Growth
Revenue and earnings growth rates
Revenue Growth
+32.4%
Earnings Growth
-23.4%
Q/Q Revenue Growth
+52.97%
Q/Q Earnings Growth
+0.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$4.45
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.2B
Net Margin
16.9%
Total Assets
$20.8B
Liabilities
$17.8B
Equity
$3.1B
Debt/Equity
5.82x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.1B
FCF Yield
96%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-28
$N/A
2026-01-29
$0.44
-11.7% surprise
2025-10-27
$0.52
+13.5% surprise
2025-07-24
$0.5
+17.4% surprise
Financial Services Sector Comparison
Comparing SBCF against 525 companies in the Financial Services sector
(96 bullish, 216 neutral, 213 bearish)
P/E Ratio
20.85
This Stock
vs
43.93
Sector Avg
-52.5%
(Discount)
Return on Equity (ROE)
5.53%
This Stock
vs
0.14%
Sector Avg
+3774.6%
(Excellent)
Profit Margin
24.21%
This Stock
vs
46.8%
Sector Avg
-48.3%
(Weaker)
Revenue Growth
32.4%
This Stock
vs
40.4%
Sector Avg
-19.8%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
SBCF
Seacoast Banking...
|
NEUTRAL | $3.21B | 20.85 | 5.5% | 24.2% | $32.73 | |
|
BFH
Bread Financial Holdings, Inc.
|
NEUTRAL | $3.14B | 7.19 | 14.8% | 18.8% | $68.78 | Compare |
|
SFNC
Simmons First National Corporation
|
BEARISH | $3.12B | - | -10.4% | -% | $21.52 | Compare |
|
MCHB
Mechanics Bancorp
|
NEUTRAL | $3.3B | 12.21 | 10.3% | 41.3% | $14.9 | Compare |
|
GBDC
Golub Capital BDC, Inc.
|
BEARISH | $3.31B | 10.06 | 8.3% | 38.6% | $12.58 | Compare |
SBCF
Seacoast Banking...
NEUTRAL
Mkt Cap
$3.2B
P/E
20.8
ROE
5.5%
Price
$32.73
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-08 | CULBRETH HUGH GILBERT JR. | Director | Stock Award | 463 | $14,862 |
| 2026-03-16 | HUDSON DENNIS S III | Director | Sale | 8,000 | $240,320 |
| 2026-02-26 | FORLENZA JOSEPH M | Officer | Sale | 12,635 | $415,692 |
| 2026-02-26 | FORLENZA JOSEPH M | Officer | Option Exercise | 12,635 | $393,580 |
| 2026-02-23 | SHEAROUSE JOSEPH B III | Director | Purchase | 700 | $22,488 |
| 2026-02-12 | SHEAROUSE JOSEPH B III | Director | Purchase | 4,000 | $132,760 |
| 2026-02-10 | SHAFFER CHARLES M | Chief Executive Officer | Stock Award | 21,843 | - |
| 2026-02-10 | KLEFFEL JULIETTE | Chief Operating Officer | Stock Award | 9,101 | - |
| 2026-02-10 | DEXTER TRACEY | Chief Financial Officer | Stock Award | 7,736 | - |
| 2026-02-10 | FORLENZA JOSEPH M | Officer | Stock Award | 7,736 | - |
| 2026-02-10 | STALLINGS JAMES C III | Officer | Stock Award | 6,370 | - |
| 2026-02-10 | CARROLL AUSTEN | Officer | Stock Award | 9,101 | - |
| 2026-02-04 | MONSERRAT ALVARO J | Director | Option Exercise | 4,543 | $114,868 |
| 2026-02-03 | ARCZYNSKI DENNIS J | Director | Sale | 3,419 | $116,964 |
| 2026-02-03 | ARCZYNSKI DENNIS J | Director | Option Exercise | 3,419 | $49,199 |
CULBRETH HUGH GILBERT JR.
Director
2026-04-08
463 shares
·
$14,862
HUDSON DENNIS S III
Director
2026-03-16
8,000 shares
·
$240,320
FORLENZA JOSEPH M
Officer
2026-02-26
12,635 shares
·
$415,692
FORLENZA JOSEPH M
Officer
2026-02-26
12,635 shares
·
$393,580
SHEAROUSE JOSEPH B III
Director
2026-02-23
700 shares
·
$22,488
SHEAROUSE JOSEPH B III
Director
2026-02-12
4,000 shares
·
$132,760
SHAFFER CHARLES M
Chief Executive Officer
2026-02-10
21,843 shares
KLEFFEL JULIETTE
Chief Operating Officer
2026-02-10
9,101 shares
DEXTER TRACEY
Chief Financial Officer
2026-02-10
7,736 shares
FORLENZA JOSEPH M
Officer
2026-02-10
7,736 shares
STALLINGS JAMES C III
Officer
2026-02-10
6,370 shares
CARROLL AUSTEN
Officer
2026-02-10
9,101 shares
MONSERRAT ALVARO J
Director
2026-02-04
4,543 shares
·
$114,868
ARCZYNSKI DENNIS J
Director
2026-02-03
3,419 shares
·
$116,964
ARCZYNSKI DENNIS J
Director
2026-02-03
3,419 shares
·
$49,199
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
6 analysts
Keefe, Bruyette & Woods
2026-02-02
Outperform
Outperform
Keefe, Bruyette & Woods
2025-10-29
Outperform
Outperform
Past News Coverage
Recent headlines mentioning SBCF from our newsroom.
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