Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 17.58 | 14.47 | 15.11 | 26.11 | 27.09 | 18.11 | 13.81 | 17.39 | 17.21 | 18.51 | 16.42 | 20.48 | 20.33 | 14.84 | 14.93 | 39.50 | 22.93 | 16.08 | 15.58 | 26.53 | 14.27 |
| — | -20.1% | +9.4% | +50.2% | +57.4% | -2.1% | -15.9% | -15.1% | -15.4% | +24.7% | +9.9% | -48.2% | -11.4% | -7.7% | -4.2% | +48.9% | +60.7% | -23.9% | +2.2% | +75.7% | +2.7% | |
| P/S Ratio | 4.61 | 3.60 | 4.48 | 5.64 | 5.15 | 4.23 | 3.90 | 3.90 | 4.41 | 4.35 | 3.96 | 4.31 | 4.74 | 3.43 | 3.18 | 3.11 | 4.05 | 4.47 | 5.19 | 5.88 | 5.74 |
| — | -14.9% | +14.9% | +44.4% | +16.9% | -2.8% | -1.5% | -9.4% | -7.0% | +26.8% | +24.4% | +38.4% | +17.0% | -23.3% | -38.7% | -47.0% | -29.4% | -17.1% | -11.8% | -2.3% | +17.1% | |
| P/B Ratio | 1.01 | 1.05 | 1.05 | 1.08 | 1.12 | 1.12 | 1.04 | 0.99 | 1.07 | 1.03 | 0.94 | 1.02 | 1.15 | 0.92 | 0.92 | 0.93 | 1.38 | 1.45 | 1.54 | 1.59 | 1.59 |
| — | -5.9% | +1.2% | +9.6% | +4.5% | +8.3% | +10.4% | -3.6% | -6.9% | +12.5% | +2.3% | +9.6% | -16.8% | -36.9% | -40.2% | -41.5% | -13.1% | -3.7% | -4.7% | -9.3% | +9.7% | |
| P/FCF | 10.29 | 5.62 | 14.14 | 11.87 | 16.31 | 24.01 | 8.32 | 19.76 | 13.06 | 10.81 | 9.17 | 22.64 | 20.75 | 7.61 | 11.25 | 66.12 | 11.68 | 11.78 | 12.15 | 10.06 | 11.07 |
| — | -76.6% | +69.9% | -39.9% | +24.9% | +122.1% | -9.2% | -12.7% | -37.1% | +42.1% | -18.5% | -65.8% | +77.7% | -35.4% | -7.4% | +557.4% | +5.5% | -46.7% | -12.8% | -7.3% | +13.7% | |
| EV / EBITDA | 13.09 | 6.80 | 16.60 | 22.00 | 16.97 | 16.00 | 12.85 | 13.05 | 9.41 | 11.96 | 10.16 | 13.20 | 15.25 | 10.42 | 10.31 | 39.71 | 18.34 | 10.69 | 7.25 | 10.17 | 8.55 |
| — | -57.5% | +29.1% | +68.5% | +80.3% | +33.7% | +26.4% | -1.1% | -38.3% | +14.8% | -1.4% | -66.8% | -16.8% | -2.6% | +42.0% | +290.5% | +114.4% | +33.8% | +77.0% | +38.9% | -12.7% | |
| EV / EBIT | 23.68 | 6.80 | 14.34 | 26.69 | 26.35 | 17.88 | 13.73 | 15.11 | 14.03 | 13.93 | 11.47 | 14.91 | 16.58 | 10.33 | 10.35 | 32.31 | 19.13 | 11.84 | 7.94 | 10.64 | 8.64 |
| — | -62.0% | +4.4% | +76.7% | +87.9% | +28.4% | +19.7% | +1.3% | -15.4% | +34.8% | +10.8% | -53.9% | -13.4% | -12.7% | +30.4% | +203.5% | +121.4% | +58.2% | +96.1% | +51.9% | -7.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 91.3% | 97.1% | 100.0% | 99.5% | 82.4% | 94.6% | 97.0% | 93.3% | 97.0% | 95.0% | 95.9% | 98.7% | 96.9% | 98.0% | 100.5% | 78.6% | 89.7% | 94.3% | 99.2% | 92.7% | 104.3% |
| — | +2.6% | +3.1% | +6.6% | -15.1% | -0.4% | +1.1% | -5.5% | +0.1% | -3.1% | -4.6% | +25.6% | +8.0% | +4.0% | +1.4% | -15.2% | -14.0% | +0.1% | -6.4% | -13.2% | +5.7% | |
| Operating Margin | 31.8% | 35.0% | 26.8% | 27.9% | 26.1% | 29.8% | 36.5% | 29.0% | 32.8% | 30.1% | 30.9% | 26.9% | 29.5% | 29.5% | 27.9% | 9.5% | 23.1% | 36.6% | 42.2% | 28.8% | 49.1% |
| — | +17.5% | -26.7% | -3.8% | -20.3% | -0.9% | +18.1% | +7.8% | +11.2% | +2.0% | +10.9% | +185.0% | +27.7% | -19.4% | -33.9% | -67.1% | -53.0% | +10.4% | -14.8% | -44.8% | +7.8% | |
| Net Margin | 24.7% | 27.9% | 33.0% | 21.8% | 20.6% | 23.2% | 28.2% | 22.4% | 25.7% | 23.5% | 23.9% | 20.7% | 23.1% | 22.9% | 21.0% | 7.7% | 17.4% | 27.9% | 33.2% | 22.4% | 39.9% |
| — | +20.1% | +17.0% | -2.7% | -19.6% | -1.4% | +18.0% | +8.0% | +11.3% | +2.6% | +13.5% | +169.0% | +32.4% | -18.0% | -36.7% | -65.6% | -56.4% | +10.0% | -14.2% | -44.0% | +13.9% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.5% | 2.0% | 1.9% | 1.0% | 1.3% | 1.6% | 1.9% | 1.4% | 1.6% | 1.4% | 1.4% | 1.2% | 1.4% | 1.5% | 1.5% | 0.6% | 1.7% | 2.2% | 2.4% | 1.5% | 2.8% |
| — | +27.0% | +2.3% | -26.9% | -19.0% | +10.7% | +33.2% | +15.9% | +9.6% | -7.4% | -6.5% | +90.4% | -14.0% | -31.4% | -37.6% | -58.1% | -40.8% | +20.4% | -9.2% | -47.7% | +6.1% | |
| ROA | 0.8% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.3% | 0.3% | 0.2% | 0.4% |
| — | +25.8% | +3.9% | -25.4% | -18.7% | +9.9% | +32.7% | +15.2% | +11.8% | -3.3% | -1.6% | +104.9% | -5.5% | -23.9% | -31.6% | -56.9% | -42.7% | +15.7% | -12.9% | -49.1% | +5.2% | |
| ROIC | 3.9% | 1.3% | 0.8% | 0.7% | 0.8% | 1.1% | 1.3% | 1.1% | 1.2% | 1.1% | 1.1% | 1.0% | 1.1% | 1.2% | 1.1% | 0.5% | 1.4% | 1.9% | 2.0% | 1.3% | 2.3% |
| — | +22.8% | -37.1% | -33.7% | -29.5% | -2.9% | +20.0% | +10.9% | +8.2% | -8.1% | -4.1% | +112.0% | -20.2% | -39.2% | -43.8% | -65.2% | -39.2% | +22.5% | -8.3% | -47.6% | +3.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.44 | 0.48 | 0.43 | 0.41 | 0.44 | 0.43 | 0.44 | 0.35 | 0.27 | 0.26 | 0.26 | 0.26 | 0.25 | 0.24 | 0.27 | 0.37 | 0.25 | 0.13 | 0.14 | 0.14 | 0.15 |
| — | +10.7% | -3.2% | +19.2% | +63.5% | +69.7% | +72.3% | +35.2% | +6.2% | +6.5% | -4.9% | -30.6% | -0.4% | +86.5% | +97.4% | +160.3% | +71.5% | -6.1% | -15.3% | -9.1% | -12.7% | |
| Debt / EBITDA | 5.91 | 9.15 | 20.10 | 25.48 | 19.81 | 19.70 | 17.08 | 16.36 | 8.99 | 12.29 | 12.42 | 14.21 | 12.92 | 12.27 | 13.36 | 64.18 | 12.28 | 3.91 | 4.00 | 6.96 | 4.28 |
| — | -53.6% | +17.7% | +55.8% | +120.4% | +60.2% | +37.5% | +15.1% | -30.4% | +0.2% | -7.1% | -77.9% | +5.2% | +213.7% | +233.8% | +821.5% | +187.0% | -38.0% | -17.0% | +61.9% | -18.3% | |
| Current Ratio | 0.40 | 0.33 | 0.31 | 0.53 | 0.40 | 0.26 | 0.25 | 0.24 | 0.21 | 0.23 | 0.22 | 0.21 | 0.19 | 0.21 | 0.21 | 0.22 | 0.20 | 0.24 | 0.29 | 0.31 | 0.29 |
| — | +23.6% | +23.9% | +117.7% | +85.9% | +17.2% | +14.6% | +14.5% | +13.7% | +9.6% | +4.6% | -4.3% | -7.9% | -12.7% | -27.7% | -28.7% | -29.7% | -28.5% | -16.5% | +15.6% | +13.8% | |
| Quick Ratio | 0.40 | 0.33 | 0.31 | 0.53 | 0.40 | 0.26 | 0.25 | 0.24 | 0.21 | 0.23 | 0.22 | 0.21 | 0.19 | 0.21 | 0.21 | 0.22 | 0.20 | 0.24 | 0.29 | 0.31 | 0.29 |
| — | +23.6% | +23.9% | +117.7% | +85.9% | +17.2% | +14.6% | +14.5% | +13.7% | +9.6% | +4.6% | -4.3% | -7.9% | -12.7% | -27.7% | -28.7% | -29.7% | -28.5% | -16.5% | +15.6% | +13.8% | |
| Interest Coverage | 0.66 | 1.95 | 1.01 | 0.55 | 0.53 | 0.68 | 0.83 | 0.62 | 0.62 | 0.51 | 0.52 | 0.48 | 0.57 | 0.67 | 0.88 | 0.54 | 4.29 | 12.29 | 19.81 | 15.45 | 27.03 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying SBCF stock.
Seacoast Banking Corporation of Florida's current P/E is 17.6x. The average P/E over the last 4 quarters is 20.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Seacoast Banking Corporation of Florida's current operating margin is 31.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Seacoast Banking Corporation of Florida's business trajectory between earnings reports.