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SBCF stock logo

SBCF

Seacoast Banking Corporation of Florida

$30.47
-0.11
 (-0.36%)
Exchange:  NASDAQ
Market Cap:  2.985B
Shares Outstanding:  2.313M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Charles Shaffer
Full Time Employees:  1518
Address: 
815 Colorado Avenue
Stuart
FL
34994
US
Website:  https://www.seacoastbanking.com
Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides financial services to retail and commercial customers in Florida. It offers commercial and retail banking, wealth management, and mortgage services; and brokerage and annuity services. The company offers noninterest and interest-bearing demand deposit, money market, savings, and customer sweep accounts; time certificates of deposit; construction and land development, commercial and residential real estate, and commercial and financial loans; and consumer loans, including installment loans and revolving lines, as well as loans for automobiles, boats, and personal or family purposes. As of December 31, 2021, it had 54 branch and commercial lending offices. The company was founded in 1926 and is headquartered in Stuart, Florida.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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View full analyst estimates

Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/01/30 — 4 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue768,127808,987869,542
Gross Profit528,635498,140535,384
EBITDA134,675175,049186,506
Operating Income134,252155,840186,506
Net Income104,033120,986144,878

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets14,580,24915,176,30820,842,331
Total Liabilities12,472,16312,993,06517,786,544
Total Stockholders Equity2,108,0862,183,2433,055,787
Total Debt530,875584,0371,336,764
Cash and Cash Equivalents453,039479,822181,429

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow150,613179,9020
Capital Expenditure-10,293-4,0340
Free Cash Flow140,320175,8680
Net Income104,033120,986144,878
Net Change in Cash245,24229,425-476,607

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)889,987.943Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)913,703.668Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)904,578.400Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)244,864.678Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)251,389.646Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)248,878.988Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)252,074.642Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)254,824.597Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)253,449.620Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)276,245.066Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)283,606.236Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)280,773.826Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.750Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.770Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.740Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)5Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
808.547M  ?P/S
 (TTM)
: 
3.57
?Net Income
 (TTM)
: 
120.986M  ?P/E
 (TTM)
: 
21.87
?Enterprise Value
 (TTM)
: 
4.362B  ?EV/FCF
 (TTM)
: 
24.38
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.47
?ROE
 (TTM)
: 
0.06  ?ROIC
 (TTM)
: 
-0.02
?Net Debt
 (TTM)
: 
457.139M  ?Debt/Equity
 (TTM)
: 
0.44
?P/B
 (TTM)
: 
1.04  ?Current Ratio
 (TTM)
: 
0.4

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
12.09Full AccessFull AccessFull AccessFull Access

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SWOT 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.


Calculate SBCF Intrinsic Value

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

-0.36
MARKETSnap

Trading Metrics:

Open: 30.16   Previous Close: 30.58
Day Low: 30.04   Day High: 30.69
Year Low: 21.36   Year High: 35.55
Price Avg 50: 32   Price Avg 200: 30.77
Volume: 625259   Average Volume: 769335

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SBCF full analysis

08/09/2025

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…

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See in Nexus

Relevant news

Seacoast Banking Corporation of Florida to Announce First Quarter Earnings Results April 28, 2026
02-04-2026 16:01
Seacoast Banking Corporation of Florida to Announce First Quarter Earnings Results April 28, 2026
Seacoast Banking Corporation of Florida (NASDAQ:SBCF) vs. National Bankshares (NASDAQ:NKSH) Head-To-Head Analysis
01-04-2026 01:28
Seacoast Banking Corporation of Florida (NASDAQ:SBCF) vs. National Bankshares (NASDAQ:NKSH) Head-To-Head Analysis
Seacoast Banking Corporation of Florida (SBCF) Q4 2025 Earnings Call Transcript
30-01-2026 13:40
Seacoast Banking Corporation of Florida (SBCF) Q4 2025 Earnings Call Transcript
Here's What Key Metrics Tell Us About Seacoast Banking (SBCF) Q4 Earnings
29-01-2026 20:30
Here's What Key Metrics Tell Us About Seacoast Banking (SBCF) Q4 Earnings
Seacoast Banking (SBCF) Upgraded to Buy: Here's What You Should Know
29-01-2026 13:01
Seacoast Banking Corporation of Florida Declares Quarterly Dividend on Common Stock and Preferred Stock

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