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Earnings transcript
Read the complete earnings call transcript.
SBCF
Seacoast Banking Corporation of Florida
$34.24
-0.17
(-0.48%)
| Exchange: | NASDAQ |
| Market Cap: | 3.329B |
| Shares Outstanding: | 2.313M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Charles Shaffer | |||||
| Full Time Employees: | 1962 | |||||
| Address: |
| |||||
| Website: | https://www.seacoastbanking.com |
Seacoast Banking Corporation of Florida serves as the parent holding company for Seacoast National Bank, providing a diverse range of financial solutions to individual consumers and businesses across Florida. The institution offers a comprehensive suite of services, including commercial and retail banking, wealth management, mortgage lending, and investment-related products such as brokerage and annuities. Its deposit offerings encompass both interest-bearing and non-interest-bearing checking accounts, money market accounts, savings accounts, automated customer sweep accounts, and fixed-term certificates of deposit. On the lending side, Seacoast extends financing for construction and land development projects, commercial and residential real estate, various other commercial and financial loans, and a variety of consumer credit options. These consumer loans include installment plans, revolving lines of credit, and specialized financing for automobiles, boats, or other personal and family needs. As of December 31, 2021, the corporation operated through 54 branch and commercial lending offices. Established in 1926, its corporate headquarters are situated in Stuart, Florida.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 768,127 | 808,987 | 869,542 |
| Gross Profit | 528,635 | 498,140 | 535,384 |
| EBITDA | 134,675 | 175,049 | 226,253 |
| Operating Income | 134,252 | 155,840 | 186,506 |
| Net Income | 104,033 | 120,986 | 144,878 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 14,580,249 | 15,176,308 | 20,842,331 |
| Total Liabilities | 12,472,163 | 12,993,065 | 17,786,544 |
| Total Stockholders Equity | 2,108,086 | 2,183,243 | 3,055,787 |
| Total Debt | 530,875 | 584,037 | 1,336,764 |
| Cash and Cash Equivalents | 453,039 | 479,822 | 181,429 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 150,613 | 179,902 | 0 |
| Capital Expenditure | -10,293 | -4,034 | 0 |
| Free Cash Flow | 140,320 | 175,868 | 0 |
| Net Income | 104,033 | 120,986 | 144,878 |
| Net Change in Cash | 245,242 | 29,425 | -476,607 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,208,507.986 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 1,228,887.014 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 1,220,315.764 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 343,548.164 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 349,341.405 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 346,904.816 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 272,353.149 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 278,341.267 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 275,347.208 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 375,111.114 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 381,436.600 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 378,776.153 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 3 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 3.030 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 2.960 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 1 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 1 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: SBCF has demonstrated consistent revenue growth as per the latest income statements, with positive trends in net income and operating cash flow from the cash flow statements. This indicates a robust operational foundation, supporting investor confidence.
- Strong Liquidity Position: The balance sheet data highlights a healthy level of cash and cash equivalents alongside a favorable current ratio (from key metrics), suggesting SBCF is well-positioned to manage short-term liabilities and invest in growth initiatives.
- Positive Industry Positioning: Performance metrics show SBCF outperforming its industry averages over multiple time frames (1m, 3m, 6m) as per the industry and sector data, reflecting competitive strength within the regional banking sector.
- Dividend Stability: The key metrics indicate a consistent dividend yield (dividendYieldTTM), providing an attractive return to shareholders and signaling financial stability.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates SBCF intrinsic value between $30.42 – $31.44 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about SBCF valuation
Is Seacoast Banking Corporation of Florida (SBCF) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Seacoast Banking Corporation of Florida (SBCF) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is SBCF a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether SBCF trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is SBCF’s P/E ratio?
You can see SBCF’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for SBCF?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is SBCF a good long-term investment?
Whether SBCF fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
SBCF
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
-0.48
Trading Metrics:
| Open: | 34.03 | Previous Close: | 34.4 | |
| Day Low: | 34.03 | Day High: | 34.58 | |
| Year Low: | 28.58 | Year High: | 36.27 | |
| Price Avg 50: | 33.72 | Price Avg 200: | 32.18 | |
| Volume: | 27634 | Average Volume: | 945235 |
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Login — it's freeSBCF full analysis
Welcome to MARKETSNAP’s SWOT analysis for Seacoast Banking Corporation of Florida, or SBCF as it’s listed on the ticker. If you’re a long-term investor looking to build wealth with solid picks, you’ve come to the right place. Today, we’re diving deep into Seacoast Banking, a regional financial institution that’s been making waves in the banking sector. Let’s unpack what this company is all about, check out the latest buzz and performance, and then get into the nitty-gritty of our SWOT…
