Seacoast Banking Corporation of Florida (SBCF) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Seacoast Banking Corporation of Florida (SBCF) trades at $35.54 with AI Score 65/100 (Grade B+). Seacoast Banking Corporation of Florida is a regional bank holding company providing financial services to retail and commercial customers… Market cap: $3.46B, Sector: Financial services.
Price as of Aug 19, 2026 · Last analyzed: May 10, 2026Analyst Coverage for SBCF: SBCF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SBCF against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
SBCF: 2/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Seacoast Banking Corporation of Florida (SBCF) Financial Services Profile
Seacoast Banking Corporation of Florida, a regional bank with a $3.46B market cap, provides comprehensive financial services in Florida, including commercial and retail banking, wealth management, and mortgage solutions. With a P/E ratio of 20.72 and a dividend yield of 2.38%, Seacoast focuses on serving retail and commercial customers through its Seacoast National Bank subsidiary.
What Is the Investment Thesis for SBCF?
Seacoast Banking Corporation of Florida presents a compelling investment case centered on its strong regional presence, diversified financial services, and consistent profitability. With a market capitalization of $3.46B and a profit margin of 15.9%, Seacoast demonstrates financial stability. The company's dividend yield of 2.38% provides an attractive income stream for investors. Growth catalysts include expansion within the Florida market and strategic acquisitions to enhance market share. However, potential risks include interest rate sensitivity and competition from larger national banks. The company's beta of 0.92 suggests lower volatility compared to the broader market, making it a potentially stable investment within the financial sector. Continued focus on operational efficiency and customer relationship management will be crucial for sustaining long-term growth.
Based on FMP financials and quantitative analysis
SBCF Key Highlights
Market Cap of $3.46B indicates a strong valuation in the regional banking sector.
- P/E Ratio of 20.72 reflects investor confidence in Seacoast's earnings potential.
- Profit Margin of 15.9% demonstrates efficient operations and profitability.
- Dividend Yield of 2.38% provides an attractive income stream for investors.
- Beta of 0.92 suggests lower volatility compared to the broader market.
Who Are SBCF's Competitors?
SBCF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BOH Bank of Hawaii Corporation | $79.08 | -0.94% | $3.12B | 90 |
| BKU BankUnited, Inc. | $47.78 | -0.17% | $3.47B | 61 |
| PRK Park National Corporation | $204.40 | -0.55% | $3.70B | 83 |
| CVBF CVB Financial Corp. | $23.04 | -0.48% | $3.30B | 98 |
| PFS Provident Financial Services, Inc. | $24.46 | -0.45% | $3.19B | 93 |
| WSFS WSFS Financial Corporation | $79.81 | -2.30% | $4.15B | 93 |
| UCB United Community Banks, Inc. | $35.79 | -2.08% | $4.29B | 96 |
| TRMK Trustmark Corporation | $47.69 | -0.91% | $2.79B | 96 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SBCF's Key Strengths?
Strong regional presence in Florida.
- Diversified financial services offerings.
- Experienced management team.
- Solid financial performance.
What Are SBCF's Weaknesses?
Geographic concentration in Florida.
- Limited international presence.
- Reliance on interest income.
- Smaller scale compared to national banks.
What Could Drive SBCF Stock Higher?
Potential acquisitions of smaller regional banks to expand market share.
- Continued expansion of digital banking services to attract and retain customers.
- Florida's population and economic growth driving increased demand for banking services.
- Strategic investments in wealth management services to generate additional revenue.
What Are the Key Risks for SBCF?
Financial-distress signal — its Altman Z-Score of -0.43 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in Florida impacting loan quality and profitability.
- Increased competition from larger national banks and fintech companies.
- Sensitivity to changes in interest rates affecting net interest margin.
- Regulatory changes impacting banking operations and compliance costs.
- Credit risk associated with loan portfolio.
What Are the Growth Opportunities for SBCF?
- Expansion within the Florida Market: Seacoast can capitalize on Florida's growing population and economy by expanding its branch network and digital services. The Florida banking market is estimated to be worth over $100 billion, offering substantial growth potential for Seacoast. Timeline: Ongoing.
- Strategic Acquisitions: Seacoast can pursue strategic acquisitions of smaller banks and financial institutions in Florida to increase its market share and geographic reach. The regional banking sector is ripe for consolidation, presenting opportunities for Seacoast to grow through M&A. Timeline: Ongoing.
- Enhanced Digital Banking Services: Investing in and expanding digital banking platforms and mobile applications can attract and retain customers, particularly younger demographics. The digital banking market is projected to reach $9.0 trillion by 2027, indicating a significant growth opportunity. Timeline: Ongoing.
- Wealth Management Services: Expanding wealth management services can generate additional revenue streams and enhance customer loyalty. The wealth management market in Florida is growing, driven by an aging population and increasing affluence. Seacoast can leverage its existing customer base to cross-sell wealth management products. Timeline: Ongoing.
- Commercial Lending Growth: Focusing on commercial lending to small and medium-sized businesses (SMBs) in Florida can drive loan growth and increase profitability. The SMB lending market is underserved, presenting opportunities for Seacoast to provide tailored financial solutions. Timeline: Ongoing.
What Are SBCF's Competitive Advantages?
- Strong regional presence in Florida.
- Established customer relationships.
- Diversified financial services offerings.
- Experienced management team.
- Brand recognition and reputation in the Florida market.
What Does SBCF Do?
Seacoast Banking Corporation of Florida, established in 1926 and headquartered in Stuart, Florida, operates as the bank holding company for Seacoast National Bank. The bank provides a comprehensive suite of financial services tailored to retail and commercial clients throughout Florida. Its offerings encompass commercial and retail banking, wealth management, mortgage services, and brokerage and annuity services. Seacoast provides various deposit accounts, including noninterest and interest-bearing demand deposit, money market, savings, and customer sweep accounts, alongside time certificates of deposit. The company's lending activities span construction and land development, commercial and residential real estate, and commercial and financial loans. Additionally, it offers consumer loans, such as installment loans and revolving lines, catering to automobiles, boats, and personal or family needs. As of December 31, 2021, Seacoast operated 54 branch and commercial lending offices, reflecting its established presence and commitment to serving the Florida market. The bank's evolution has been marked by a focus on community banking values while adapting to the changing financial landscape, positioning it as a key player in Florida's regional banking sector.
What Products and Services Does SBCF Offer?
- Provides commercial and retail banking services.
- Offers wealth management and trust services.
- Provides mortgage services.
- Offers brokerage and annuity services.
- Provides various deposit accounts, including checking, savings, and money market accounts.
- Offers commercial and residential real estate loans.
- Provides consumer loans, including auto and personal loans.
How Does SBCF Make Money?
- Generates revenue through interest income from loans.
- Earns fees from wealth management and brokerage services.
- Collects service charges on deposit accounts.
- Profits from the spread between deposit interest paid and loan interest earned.
What Industry Does SBCF Operate In?
Seacoast Banking Corporation of Florida operates within the competitive regional banking sector. The industry is characterized by increasing consolidation, technological advancements, and evolving customer preferences. Regional banks like Seacoast face competition from larger national banks and fintech companies. Market trends include a growing demand for digital banking services and personalized financial solutions. Seacoast's focus on the Florida market allows it to capitalize on the state's economic growth and demographic trends. The company's ability to adapt to technological changes and maintain strong customer relationships will be crucial for sustained success.
Who Are SBCF's Key Customers?
- Retail customers seeking personal banking services.
- Commercial clients, including small and medium-sized businesses.
- High-net-worth individuals seeking wealth management services.
- Real estate developers and investors.
Forward Outlook
Wall Street analysts project Seacoast Banking Corporation of Florida revenue of about $850.0M for fiscal 2026, with EPS near $2.55. The estimate reflects 4 contributing analysts.
Financial Health
Seacoast Banking Corporation of Florida's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.43 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for Seacoast Banking Corporation of Florida stands at 5.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. SBCF trades at a trailing price-to-earnings ratio of 21.15, above the Financial Services sector average of ~18x. Its free cash flow yield is 6.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.31 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 4.7%, the inverse of the P/E and a quick read on earnings relative to price.
Seacoast Banking Corporation of Florida (SBCF) Valuation Context
Valued at $3.46B, SBCF is classified as a mid-cap stock. Relative to its peer group, SBCF's quantitative score of 65/100 is below the peer average of 85/100.
Company Profile
Seacoast Banking Corporation of Florida operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Stuart, US. The company is led by CEO Charles Shaffer. SBCF has traded publicly since 1984.
SBCF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that key executives believe in the growth potential.
- Community sentiment has shifted positively, with discussions highlighting strong customer loyalty and service quality.
- Market perception has improved due to favorable economic conditions in Florida, boosting local banking opportunities.
- Analysts are noting a potential expansion in services that could enhance revenue streams, appealing to a broader customer base.
Bear Case
- Concerns about rising interest rates may impact loan demand, creating uncertainty around future earnings.
- Some community members express skepticism about the bank's ability to compete with larger institutions, fearing market share loss.
- Recent regulatory changes could pose challenges, leading to increased compliance costs that may affect profitability.
- The overall economic outlook remains cautious, with potential headwinds that could affect consumer spending and banking activity.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · February 2026
SBCF Latest News
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SBCF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SBCF.
Price Targets
Wall Street price target analysis for SBCF.
SBCF MoonshotScore
What does this score mean?
The MoonshotScore rates SBCF 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Charles Shaffer
CEO
Charles Shaffer serves as the CEO of Seacoast Banking Corporation of Florida, leading a team of 1518 employees. His career spans several decades in the financial services industry, with a focus on community banking and strategic growth. He has held various leadership positions in regional banks, demonstrating expertise in lending, risk management, and customer relationship management. Shaffer's educational background includes a degree in finance and executive education programs at leading business schools.
Track Record: Under Charles Shaffer's leadership, Seacoast Banking Corporation of Florida has experienced consistent growth and profitability. He has overseen strategic acquisitions that expanded the bank's market share and geographic reach. Shaffer has also spearheaded initiatives to enhance digital banking services and improve customer experience. His focus on operational efficiency and disciplined risk management has contributed to the bank's solid financial performance.
SBCF Financial Services Stock FAQ
What does the AI Score mean for SBCF?
SBCF holds an AI Score of 65/100 (Grade: B+). This is an educational research signal, not a buy or sell recommendation. Seacoast Banking Corporation of Florida is a regional bank holding company providing financial services to retail and commercial customers in Florida. Founded in 1926, the company operates through …
What does Seacoast Banking Corporation of Florida do?
Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank, providing a range of financial services to retail and commercial customers in Florida. Its services include commercial and retail banking, wealth management, and mortgage solutions. The bank offers various deposit accounts, lending services, and brokerage services.
What do analysts say about SBCF stock?
Analyst coverage of Seacoast Banking Corporation of Florida (SBCF) typically focuses on its regional growth strategy, asset quality, and profitability metrics. Key valuation considerations include its P/E ratio relative to peers, dividend yield, and potential for earnings growth. Analysts monitor the company's ability to manage interest rate risk, expand its loan portfolio, and maintain a strong credit profile.
What are the main risks for SBCF?
Seacoast Banking Corporation of Florida faces several key risks, including economic sensitivity to the Florida market, interest rate volatility, and credit risk within its loan portfolio. An economic downturn in Florida could negatively impact loan demand and asset quality. Changes in interest rates can affect the bank's net interest margin and profitability.
How sensitive is SBCF to interest rate changes?
Seacoast Banking Corporation of Florida's profitability is sensitive to fluctuations in interest rates. As a traditional bank, a significant portion of its revenue comes from the net interest margin (NIM), which is the difference between the interest income it earns on loans and the interest it pays on deposits.
What is Seacoast Banking Corporation of Florida's credit quality and risk management approach?
Seacoast Banking Corporation of Florida maintains a focus on credit quality and employs a risk management framework to mitigate potential losses. The bank's loan portfolio is diversified across various sectors, including commercial real estate, consumer lending, and commercial and industrial loans. Seacoast has established underwriting standards and monitors loan performance closely to identify and address potential credit issues.
What are the key factors to evaluate for SBCF?
Seacoast Banking Corporation of Florida (SBCF) holds an AI score of 65/100 (moderate). Seacoast Banking Corporation of Florida presents a compelling investment case centered on its strong regional presence, diversified financial services, and consistent profitability. Not financial advice.
How frequently does SBCF data refresh on this page?
SBCF's price was last updated on Aug 19, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven SBCF's recent stock price performance?
Seacoast Banking Corporation of Florida (SBCF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in Florida. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-05-10.
- Financial data is based on the most recent available information.