Seacoast Banking Corporation of Florida (SBCF) AI Stock Analysis

Seacoast Banking Corporation of Florida serves as the holding company for Seacoast National Bank, providing financial services to retail and commercial clients across Florida. Founded in 1926 and headquartered in Stuart, Florida, the organization maintained 54 branch and commercial lending offices as of December 31, 2021. Its offerings include commercial and retail banking, wealth management, mortgage services, brokerage, and annuity services. Deposit products feature demand deposits, savings accounts, money market accounts, customer sweep accounts, and time certificates of deposit. Lending solutions include construction and land development loans, commercial and residential real estate loans, commercial and financial loans, and personal consumer loans.

Between FY2021 and FY2025, annual revenue expanded from $355.0M to $869.5M, driven by a 5-year revenue CAGR of 20.1%. Net income reached $144.9M in FY2025, compared to $121.0M in FY2024 and $104.0M in FY2023, while diluted EPS stood at $1.84 in FY2025 versus $2.35 in FY2021. Operating margin was 21.4% in FY2025, down from 44.7% in FY2021, and net margin was 16.7%. For the trailing twelve months ended June 30, 2026, revenue totaled $682.2M with a profit margin of 23.8%. In the latest quarter, quarterly revenue grew 38.3% year-over-year, and quarterly earnings grew 9.7%.

As of June 30, 2026, Seacoast held $5.37B in cash and short-term investments against total debt of $1.32B, yielding net cash of $4.05B. Shareholders' equity stood at $3.07B and total assets were $21.36B, with a debt-to-equity ratio of 0.43 and a current ratio of 0.31. In FY2025, the bank generated $188.1M in operating cash flow and $178.9M in free cash flow. Cash outflows included $9.2M in capital expenditures and $67.7M in dividends paid, while the share count increased 64.8% over five years.

At a closing price of $32.54 on October 16, 2026, Seacoast holds a market capitalization of $3.15B and an enterprise value of $4.32B. The stock trades at a trailing P/E of 21.0x and a forward P/E of 16.9x, above the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. Its price-to-sales ratio is 4.6x versus the peer median of 3.2x, while its price-to-book ratio is 1.2x. Over the past year, SBCF returned 15.7%, trailing the S&P 500 (SPY) return of 16.8%, and its 5-year return of 1.9% lagged the index's 83.0%.

Seacoast distributes a quarterly dividend with an annualized forward payout of $0.76 per share, yielding 2.34%. The company has paid dividends for 6 consecutive years and maintains a payout ratio of 34.7%. Its most recent ex-dividend date was September 15, 2026.

Analyst ratings consist of 2 Buy and 4 Hold recommendations, with no Sell ratings. The mean price target of $36.71 sits 12.8% above the last closing price of $32.54. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $2.53, representing 37.6% growth, on revenue of $851.4M. For FY2027, 5 analysts forecast EPS of $2.76 and revenue of $902.5M. Seacoast beat EPS expectations in 3 of the last 4 quarters, and its next earnings date is October 27, 2026.

This page is an AI-written research summary of Seacoast Banking Corporation of Florida (SBCF). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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