Seacoast Banking Corporation of Florida (SBCF)
OvervaluedFundamental
45
Price
$33.56
Market Cap
$3.17B
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
$20.26
Current Price
$33.56
Margin of Safety
-65.7%
Fair Value Range
$13.17 - $27.35
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
21.79
ROE
5.3%
P/B Ratio
1.19
P/FCF
-
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
9.7%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (6)
- EPS shows upward trend
- P/B ratio 1.19
- Operating margin 28.3%
- Low reliance on intangibles
- Revenue growth 5Y 14.7%
- Earnings quality (operating cash flow / net income) 1.35
Failed (12)
- Price CAGR 3.93%
- Debt/equity ratio
- Interest coverage
- Return on tangible assets
- Price below Graham Number
- DCF valuation (Unknown)
- ROE 5.6%
- Earnings surprise, average 1.0%
- PEG ratio 8.12
- Share dilution 8.3%
- Net margin trend 22.1% vs 25.0%
- Piotroski F-Score 4/9
Unavailable (8)
- ROIC –
- Gross margin –
- P/FCF –
- Dividend payout –
- 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
Institutional Holdings
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
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-27
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-04
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-09-09
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much SBCF moves, measured on its daily prices.
More volatile than 9% of the tracked stocks (90-day volatility).
- Volatility 30d
- 19.5%
- Volatility 90d
- 20.9%
- Beta vs S&P 500 (1y)
- 0.69Correlation 0.36
- Max drawdown (12m)
- -16.8%
- ATR (14d, % of price)
- 2.26%
Earnings reactions
How SBCF moved around its past quarterly results.
Next earnings release
Oct 27, 2026 · In 3 days · After the close
EPS estimate: 0.65Revenue estimate: $217M
What usually happens
- Over the last 12 releases the stock moved a median of 1.1% the next day, up or down.
- Next-day moves: up 3, down 9 (out of 12).
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Jul 28, 2026 | After the close | 0.62 | 0.61 | -1.0% | -2.4% | +1.3% | +5.1% |
| Apr 28, 2026 | After the close | 0.59 | 0.62 | +4.9% | +2.5% | -1.4% | -2.6% |
| Jan 29, 2026 | After the close | 0.51 | 0.44 | -13.5% | -2.3% | -2.0% | +1.6% |
| Oct 27, 2025 | After the close | 0.46 | 0.52 | +13.5% | 0.0% | -1.1% | -3.1% |
| Jul 24, 2025 | After the close | n/a | n/a | n/a | +3.3% | -0.2% | -2.2% |
| Apr 24, 2025 | After the close | n/a | n/a | n/a | -6.9% | -0.6% | +0.4% |
| Jan 27, 2025 | After the close | n/a | n/a | n/a | +2.9% | +4.4% | +2.2% |
| Oct 24, 2024 | After the close | n/a | n/a | n/a | +1.9% | -2.7% | -1.4% |
| Jul 25, 2024 | After the close | n/a | n/a | n/a | +1.0% | +0.1% | -7.2% |
| Apr 25, 2024 | After the close | n/a | n/a | n/a | -1.0% | -1.1% | +1.1% |
| Jan 25, 2024 | After the close | n/a | n/a | n/a | +2.7% | -0.6% | -9.0% |
| Oct 26, 2023 | After the close | n/a | n/a | n/a | +1.5% | -0.1% | +7.5% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on SBCF and what the price did next.
- 3/1/2026NegativeSeacoast Banking Corp. EVP Sells 12k Shares For $416M
- +1 day
- +2.8%
- +3 days
- +1.3%
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for SBCF.
- 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.