Seacoast Banking Corporation of Florida (SBCF) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
22.34
↑+42% vs avg
5yr avg: 15.68
30Y Low2.8·High47.4
P/FCF
↑
16.84
+19% vs avg
5yr avg: 14.19
30Y Low2.4·High38.9
P/B Ratio
↓
0.93
↓-22% vs avg
5yr avg: 1.19
30Y Low0.3·High3.2
ROE
↓
5.5%
-19% vs avg
5yr avg: 6.9%
30Y Low-80%·High29%
Debt/EBITDA
↑
7.17
↑+94% vs avg
5yr avg: 3.69
30Y Low1.2·High26.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
SBCF Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Seacoast Banking Corporation of Florida trades at 19.5x earnings, roughly in line with its 5-year average of 19.5x, sitting at the 54th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 44%. On a free-cash-flow basis, the stock trades at 16.8x P/FCF, 19% above the 5-year average of 14.2x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $3.0B | $2.9B | $2.3B | $2.4B | $2.0B | $2.0B | $1.6B | $1.6B | $1.3B | $1.1B | $827M |
| Enterprise Value | $4.2B | $4.0B | $2.4B | $2.5B | $2.2B | $1.5B | $1.4B | $1.9B | $1.8B | $1.5B | $1.4B |
| P/E Ratio → | 19.52 | 19.89 | 19.39 | 23.14 | 18.79 | 16.23 | 20.45 | 16.09 | 18.86 | 25.46 | 28.28 |
| P/S Ratio | 3.46 | 3.32 | 2.89 | 3.12 | 4.49 | 5.69 | 4.56 | 4.59 | 4.35 | 4.37 | 4.45 |
| P/B Ratio | 0.93 | 0.95 | 1.07 | 1.14 | 1.25 | 1.54 | 1.41 | 1.61 | 1.47 | 1.58 | 1.90 |
| P/FCF | 16.84 | 16.15 | 13.31 | 17.10 | 10.94 | 13.45 | 26.89 | 13.80 | 10.10 | 25.30 | 14.79 |
| P/OCF | 16.02 | 15.36 | 13.01 | 15.93 | 10.23 | 13.07 | 26.19 | 13.51 | 9.79 | 22.34 | 13.34 |
P/E links to full P/E history page with 30-year chart
SBCF EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Seacoast Banking Corporation of Florida's enterprise value stands at 22.3x EBITDA, 42% above its 5-year average of 15.7x. The Financial Services sector median is 11.4x, placing the stock at a 96% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.65 | 3.02 | 3.23 | 4.94 | 4.16 | 3.94 | 5.58 | 6.21 | 5.87 | 7.57 |
| EV / EBITDA | 22.34 | 21.68 | 13.97 | 18.40 | 14.83 | 9.53 | 13.44 | 14.11 | 19.51 | 17.46 | 29.99 |
| EV / EBIT | 22.34 | 21.68 | 15.69 | 18.46 | 15.97 | 9.30 | 13.66 | 15.04 | 20.67 | 18.54 | 31.92 |
| EV / FCF | — | 22.61 | 13.90 | 17.66 | 12.04 | 9.82 | 23.27 | 16.79 | 14.41 | 33.99 | 25.15 |
SBCF Profitability
Margins and return-on-capital ratios measuring operating efficiency
Seacoast Banking Corporation of Florida earns an operating margin of 21.4%, roughly in line with the Financial Services sector average. Operating margins have expanded from 17.5% to 21.4% over the past 3 years, signaling improving operational efficiency. ROE of 5.5% is modest, trailing the sector median of 9.0%. ROIC of 3.9% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.6% | 61.6% | 61.6% | 68.8% | 90.7% | 100.3% | 82.0% | 83.5% | 85.7% | 91.6% | 94.1% |
| Operating Margin | 21.4% | 21.4% | 19.3% | 17.5% | 30.9% | 44.7% | 28.9% | 37.1% | 30.0% | 31.7% | 23.7% |
| Net Profit Margin | 16.7% | 16.7% | 15.0% | 13.5% | 23.8% | 35.0% | 22.3% | 28.5% | 23.1% | 17.1% | 15.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.5% | 5.5% | 5.6% | 5.6% | 7.3% | 10.2% | 7.3% | 10.7% | 8.7% | 7.6% | 7.4% |
| ROA | 0.8% | 0.8% | 0.8% | 0.8% | 1.0% | 1.4% | 1.0% | 1.4% | 1.1% | 0.8% | 0.7% |
| ROIC | 3.9% | 3.9% | 4.3% | 4.3% | 5.9% | 8.4% | 5.4% | 6.5% | 4.8% | 5.1% | 3.7% |
| ROCE | 3.7% | 3.7% | 6.1% | 6.1% | 7.9% | 11.4% | 7.4% | 9.2% | 7.4% | 8.1% | 6.0% |
SBCF Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Seacoast Banking Corporation of Florida carries a Debt/EBITDA ratio of 7.2x, which is highly leveraged (68% above the sector average of 4.3x). Net debt stands at $1.2B ($1.3B total debt minus $181M cash). Interest coverage of just 0.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.44 | 0.44 | 0.27 | 0.25 | 0.25 | 0.15 | 0.17 | 0.48 | 0.77 | 0.72 | 1.58 |
| Debt / EBITDA | 7.17 | 7.17 | 3.34 | 3.94 | 2.73 | 1.25 | 1.87 | 3.44 | 7.17 | 5.92 | 14.69 |
| Net Debt / Equity | — | 0.38 | 0.05 | 0.04 | 0.13 | -0.42 | -0.19 | 0.35 | 0.63 | 0.54 | 1.33 |
| Net Debt / EBITDA | 6.19 | 6.19 | 0.60 | 0.58 | 1.35 | -3.52 | -2.09 | 2.51 | 5.83 | 4.46 | 12.35 |
| Debt / FCF | — | 6.46 | 0.59 | 0.55 | 1.10 | -3.62 | -3.62 | 2.98 | 4.31 | 8.69 | 10.36 |
| Interest Coverage | 0.66 | 0.66 | 0.53 | 0.67 | 9.64 | 19.31 | 4.14 | 2.78 | 2.93 | 5.18 | 5.21 |
SBCF Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.40x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.19x to 0.40x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.40 | 0.40 | 0.21 | 0.19 | 0.20 | 0.29 | 0.26 | 0.19 | 0.18 | 0.22 | 0.28 |
| Quick Ratio | 0.40 | 0.40 | 0.21 | 0.19 | 0.20 | 0.29 | 0.26 | 0.19 | 0.18 | 0.22 | 0.28 |
| Cash Ratio | 0.01 | 0.01 | 0.04 | 0.04 | 0.02 | 0.09 | 0.06 | 0.02 | 0.02 | 0.03 | 0.03 |
| Asset Turnover | — | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
SBCF Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Seacoast Banking Corporation of Florida returns 2.4% to shareholders annually primarily through dividends. A payout ratio of 46.7% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 5.1% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.4% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 46.7% | 46.7% | 51.0% | 58.2% | 38.7% | 18.1% | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.1% | 5.0% | 5.2% | 4.3% | 5.3% | 6.2% | 4.9% | 6.2% | 5.3% | 3.9% | 3.5% |
| FCF Yield | 5.9% | 6.2% | 7.5% | 5.8% | 9.1% | 7.4% | 3.7% | 7.2% | 9.9% | 4.0% | 6.8% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 2.4% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $92M | $85M | $84M | $64M | $57M | $54M | $52M | $49M | $43M | $38M |
Peer Comparison
Compare SBCF with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 SBCFYou | $3B | 19.5 | 22.3 | 16.8 | 61.6% | 21.4% | 5.5% | 3.9% | 7.2 |
 SFBS | $4B | 15.9 | 17.0 | 12.6 | 51.8% | 33.6% | 16.0% | 7.3% | 4.4 |
 FCNCA | $24B | 12.5 | 11.6 | 11.6 | 61.4% | 20.5% | 9.9% | 3.8% | 10.6 |
 IBCP | $706M | 10.5 | 9.5 | 10.1 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 CVBF | $3B | 13.7 | 13.2 | 13.0 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 BUSE | $2B | 19.2 | 13.3 | 13.9 | 63.9% | 17.9% | 7.0% | 5.8% | 2.4 |
 FULT | $4B | 11.0 | 10.3 | 15.5 | 67.4% | 25.7% | 11.7% | 7.5% | 2.5 |
 WSFS | $4B | 14.6 | 7.1 | 18.3 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 FFIN | $5B | 18.5 | 11.4 | 15.3 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 BANF | $4B | 15.6 | 11.3 | 15.9 | 82.9% | 36.8% | 13.8% | 12.3% | 0.4 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
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SBCF — Frequently Asked Questions
Quick answers to the most common questions about buying SBCF stock.
What is Seacoast Banking Corporation of Florida's P/E ratio?
Seacoast Banking Corporation of Florida's current P/E ratio is 19.5x. The historical average is 25.6x. This places it at the 54th percentile of its historical range.
What is Seacoast Banking Corporation of Florida's EV/EBITDA?
Seacoast Banking Corporation of Florida's current EV/EBITDA is 22.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 16.3x.
What is Seacoast Banking Corporation of Florida's ROE?
Seacoast Banking Corporation of Florida's return on equity (ROE) is 5.5%. The historical average is 5.1%.
Is SBCF stock overvalued?
Based on historical data, Seacoast Banking Corporation of Florida is trading at a P/E of 19.5x. This is at the 54th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Seacoast Banking Corporation of Florida's dividend yield?
Seacoast Banking Corporation of Florida's current dividend yield is 2.39% with a payout ratio of 46.7%.
What are Seacoast Banking Corporation of Florida's profit margins?
Seacoast Banking Corporation of Florida has 61.6% gross margin and 21.4% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Seacoast Banking Corporation of Florida have?
Seacoast Banking Corporation of Florida's Debt/EBITDA ratio is 7.2x, indicating high leverage. A ratio above 4x may signal elevated financial risk.