Stock AnalizSeacoast Banking Corp. OF Florida SBCF
Major Banks · data as of November 13, 2026
Seacoast Banking Corp. OF Florida (SBCF) is a financial company listed in the US with a market value of about $3.3B. In the twelve months to September 30, 2026 it had revenue of $790M and net income of $165M, a net margin of 20.9%.
Its overall Stock Analiz score is 3.0 out of 5 (average). The strongest part is future growth (4/5); the weakest is value (2/5).
Key numbers: a P/E of 20.1, a price to free cash flow of 10.0, 5-year revenue growth of 15% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 53% below the current price.
Score: 3.0 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- Profitable 5 years in a row
Checks not passed
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- ROE above 15%
- Interest covered more than 5 times
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $790M | $653M | $515M | $567M | $432M | $347M | $324M | $300M | $262M | $235M | $177M |
| Net income | $165M | $145M | $121M | $104M | $107M | $124M | $78M | $99M | $67M | $43M | $29M |
| Free cash flow | $327M | $188M | $180M | $151M | $196M | $155M | $61M | $118M | $130M | $49M | $62M |
| EPS (diluted) | $1.68 | $1.57 | $1.42 | $1.23 | $1.66 | $2.18 | $1.44 | $1.90 | $1.38 | $0.99 | $0.78 |
| Net margin | 20.9% | 22.2% | 23.5% | 18.3% | 24.6% | 35.9% | 24.0% | 32.9% | 25.7% | 18.3% | 16.5% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 6 analysts is $36.62, 9% above the current price; targets range from $34.00 to $38.75; the consensus rating is “Hold”; expected EPS is $2.54 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Seacoast Banking Corp. OF Florida’s P/E ratio?
About 20.1, based on the last twelve months of diluted earnings per share (forward P/E about 12.7).
Is Seacoast Banking Corp. OF Florida stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 53% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Seacoast Banking Corp. OF Florida pay a dividend?
Yes. The dividend yield is about 2.37%, and it has paid dividends for 5 years in our data.
Is Seacoast Banking Corp. OF Florida a good stock to buy?
We do not give buy or sell advice. Seacoast Banking Corp. OF Florida scores 3.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.