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SBCFSeacoast Banking Corporation of Florida
$33.54$3.3B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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SBCF logo

Seacoast Banking Corporation of Florida

SBCF
NASDAQ · Regional Banks
$33.54
At close - Nov 6, 4:00 PM EST - USD
Market Cap$3.26B
P/E17.6x
52W High$36.27
Volume535.6K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Acquisition-Driven Growth Masks Thin Organic Profitability Story

SBCF's reported net interest income has climbed from $104.4M in 2Q24 to $183.4M in 3Q26, with total assets expanding roughly 41% to $21.2B, but much of this lift appears to reflect acquired balance sheets and purchase accounting effects rather than purely organic loan growth.

GrowthMixed
ProfitabilityModerate
ValuationReview
TechnicalsHealthy
Explore valuation models
MARKET ACTION

SBCF price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

9/12 Beats

EPS beat 9 of last 12 quarters

02

Valuation risk

+39% Peers

P/E is 39% above peer median

03

Market leadership

RS 68 · Avg

Average momentum (RS Rating: 68)

04

Healthy Uptrend

Uptrend

Price > 50DMA > 200DMA

Next CatalystEstimated earnings · Jan 27

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
SBCF+7.91%
S&P 500 (^GSPC)+7.63%
1-Year Return
SBCF+12.24%
S&P 500 (^GSPC)+9.69%
3-Year Return
SBCF+57.93%
S&P 500 (^GSPC)+68.49%
5-Year Return
SBCF-2.45%
S&P 500 (^GSPC)+56.57%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
17.6x
Forward P/EExpansion
13.2x
EV/EBITDA20th %ile
13.1x
FCF YieldCash Flow
9.7%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
17.6x
19.4x
20th· Low
EV/EBITDA
13.1x
14.8x
20th· Low
Price/FCF
10.3x
13.4x
0th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$13.12-60.9%
Base (Fair)$24.99-25.5%
Bull$39.78+18.6%
$13.12 Bear$24.99 Base$39.78 Bull
Current Market Price: $33.54
Trades at a 34.2% premium to Base DCF ($24.99)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$587M+13.8% YoY
Net income FY25
$145M+19.7% YoY
Free cash flow FY25
$179M+1.7% YoY
Operating margin FY25
31.8%+1.6 pts YoY
ROIC (FY25)3.9%
Avg ROIC 5Y5.4%
ROE (TTM)6.1%
Piotroski Score4 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate9/12 (75%)
Revenue Beat Rate8/12 (67%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 27, 2026
$0.66+1.2%
vs $0.65
$217M+0.5%
vs $216M
Q3 2026
Jul 28, 2026
$0.61+1.3%
vs $0.60
$210M+0.1%
vs $210M
Q2 2026
Apr 28, 2026
$0.62+6.9%
vs $0.58
$205M-0.2%
vs $206M
Q1 2026
Jan 29, 2026
$0.44-13.7%
vs $0.51
$205M+1.8%
vs $201M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
MarketBeat·Oct 28, 2026
Seacoast Banking Corporation of Florida Q3 Earnings Call Highlights

Seacoast Banking Corporation of Florida NASDAQ: SBCF reported third-quarter net income of $59.9 million, or $0.55 per share, as the regional bank completed the technology conversion of Citizens First Bank in The Villages and moved toward the end of merger-related expenses.

Seeking Alpha·Oct 28, 2026
Seacoast Banking Corporation of Florida (SBCF) Q3 2026 Earnings Call Transcript

Seacoast Banking Corporation of Florida ( SBCF ) Q3 2026 Earnings Call October 28, 2026 10:00 AM EDT Company Participants Charles Shaffer - Chairman, President & CEO Tracey Dexter - Executive VP & CFO Michael Young - Executive VP, Chief Strategy Officer & Treasurer Conference Call Participants Wood Lay - Keefe, Bruyette, & Woods, Inc., Research Division Russell Elliott Gunther - Stephens Inc., Research Division Stephen Scouten - Piper Sandler & Co., Research Division Presentation Operator Welcome to Seacoast Banking Corporation's Third Quarter 2026 Earnings Conference Call. My name is Colby, and I'll be your conference operator today.

Seeking Alpha·Oct 28, 2026
Dividend Announcements: October 17-23, 2026 (Part 2 Of 2)

I track dividend announcements across 1,200+ stocks. This week, 42 companies increased their dividend, including two stocks I own. Part 2 highlights 17 stocks with streaks below 10 years. First BanCorp (FBP) stands out with a 25% dividend hike, 3.65% forward yield, and the highest ACN (23.9), though it trades near fair value. Western Digital (WDC) offers 34.69% upside to fair value and strong safety metrics, but its forward yield is just 0.20% and dividend consistency is weak.

Zacks Investment Research·Oct 27, 2026
Seacoast Banking (SBCF) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

While the top- and bottom-line numbers for Seacoast Banking (SBCF) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Filtered for Seacoast Banking Corporation of FloridaMore Headlines
04

Compare before deciding

Benchmark SBCF against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Seacoast Banking Corporation of Florida (SBCF)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
SBCF logoSBCFSeacoast Banking Corporation of FloridaCurrent
$33.54$3.26B17.5813.82%26.2%6.12%2.2%
SFBS logoSFBSServisFirst Bancshares, Inc.
$41.08$4.49B13.1217.72%51.68%17.61%1.63%
FCNCA logoFCNCAFirst Citizens BancShares, Inc.
$2273.74$25.9B10.69-2.02%24.94%10.9%0.57%
IBCP logoIBCPIndependent Bank Corporation
$36.31$748.21M11.254.57%29.92%13.61%2.85%
CVBF logoCVBFCVB Financial Corp.
$22.74$3.26B17.147.23%36.65%8.52%3.59%
BUSE logoBUSEFirst Busey Corporation
$28.63$2.42B10.4355.94%36.82%9.65%3.57%

Compare SBCF vs Peers

Seacoast Banking Corporation of Florida (SBCF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SFBS

Most directly comparable listed peer for SBCF.

Scale Benchmark

vs ICE

Larger-name benchmark to compare SBCF against a more recognizable public peer.

Peer Set

Compare Top 5

vs SFBS, FCNCA, IBCP, CVBF

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

SBCF SEC Filings & Documents

Seacoast Banking Corporation of Florida (SBCF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Nov 4, 2026·SEC

Material company update

Oct 27, 2026·SEC

Material company update

Jul 28, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 25, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Nov 4, 2026·SEC

FY 2026

Aug 4, 2026·SEC

FY 2026

May 6, 2026·SEC

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SBCF Frequently Asked Questions

Seacoast Banking Corporation of Florida (SBCF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Seacoast Banking Corporation of Florida growing?

Seacoast Banking Corporation of Florida (SBCF) grew revenue by 21.6% over the trailing twelve months, compared with the twelve months before.

Is SBCF profitable?

Yes. Seacoast Banking Corporation of Florida (SBCF) earned $185.6M in net income over the trailing twelve months (a 26.2% net margin).

Dividend & Returns
Does SBCF pay dividends?

Yes. Seacoast Banking Corporation of Florida (SBCF) pays a dividend that yields 2.20% at the current price, a moderate yield.

What is SBCF's return on equity?

Seacoast Banking Corporation of Florida (SBCF) had a return on equity (ROE) of 6.1% over the trailing twelve months. That is below the market's typical 10-15%.

Industry Metrics
What is Seacoast Banking Corporation of Florida's net interest margin?

Seacoast Banking Corporation of Florida (SBCF) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.

What is Seacoast Banking Corporation of Florida's efficiency ratio?

Seacoast Banking Corporation of Florida (SBCF) has an efficiency ratio of 59.5%. This is reasonable for a bank.

What if you invested $1,000 in SBCF back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →