Seacoast Banking Corporation of Florida (SBCF)
NEUTRALFundamental
45
Price
$34.07
Market Cap
$3.35B
Part 1 · What the company is worth
Overview
Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides integrated financial services to retail and commercial customers in Florida. The company offers noninterest and interest-bearing demand deposits, money market, savings, and customer sweep accounts; time deposits; construction and land development, commercial and residential real estate, and commercial and financial loans; and consumer loans, including installment and revolving lines, as well as loans for automobiles, boats, and personal and family purposes. It also provides wealth management, mortgage, and insurance services through mobile and online banking solutions, as well as brokerage and annuity services. The company was founded in 1926 and is headquartered in Stuart, Florida.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$733M
Trailing 12 months (through 6/30/2026)
Net Income
$162M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
-
Total Equity
$2.71B
Total Liabilities
$17.79B
Current Ratio
-
Interest Coverage
0.31
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$20.38
Current Price
$34.07
Margin of Safety
-67.2%
Fair Value Range
$13.25 - $27.52
Estimation Methods
Valuation Metrics
P/E Ratio
22.30
ROE
5.3%
P/B Ratio
1.22
P/FCF
-
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
9.7%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (7)
- EPS shows upward trend
- P/B Ratio 1.22
- Operating Margin 28.3%
- Low reliance on intangibles
- Revenue Growth 5Y 14.7%
- Analyst Consensus 58% Buy
- Earnings Quality (OCF/NI) 1.35
Failed (12)
- Price CAGR 4.61%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- Price below Graham Number
- DCF valuation (Unknown)
- ROE 5.6%
- Earnings Surprise avg 1.0%
- PEG Ratio 8.81
- Share Dilution 8.3%
- Net Margin Trend 22.1% vs 25.0%
- Piotroski F-Score 4/9
Unavailable (8)
- ROIC NaN%
- Gross Margin NaN%
- P/FCF NaN
- Dividend Payout NaN%
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Issuing new shares, diluting ownership
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Charles M. Shaffer CPA | Chairman, President & CEO | 51 |
| Ms. Tracey L. Dexter CPA | Executive VP & CFO | 51 |
| Ms. Juliette P. Kleffel | Executive VP & COO | 54 |
| Mr. Joseph M. Forlenza | Executive VP & Chief Risk Officer | 63 |
| Mr. Austen D. Carroll | Executive VP & Chief Lending Officer | 47 |
| Mr. Jeff Semonovich | Executive VP & Chief Information Officer | - |
| Ms. Amanda Lopez | Executive VP & Chief Marketing Officer | - |
| Mr. Daniel G. Chappell | Chief HR Officer & Executive VP | - |
| Mr. Michael J. Sonego | Executive VP, Executive VP of Community Banking & Residential Lending Executive | - |
| Mr. James Norton | Executive VP & Commercial Real Estate Executive | - |
Audit Risk
2
Board Risk
5
Compensation Risk
1
Shareholder Rights Risk
7
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for SBCF, sourced from Markets Gazette.
- 3/1/2026NEGATIVESeacoast Banking Corp. EVP Sells 12k Shares For $416M
Investors are closely watching the recent sale of 12,000 shares of Seacoast Banking Corp. by an Executive Vice President, valued at $416 million. This insider selling, often seen as a cautionary signal from those closest to the company, raises questions about internal confidence in the bank's future prospects, despite its strong client base in Florida. Analysts will be monitoring whether this transaction foreshadows weakness in the stock or if it's an isolated personal portfolio management decision. The market may react with downward pressure, assessing the implications of such a significant divestment.
via Markets Gazette