Seacoast Banking Corporation of Florida (SBCF) Key Metrics
SBCF valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $3.15B
- Enterprise value
- $4.32B
- P/E (TTM)
- 21.0 10-yr median 19.6
- Forward P/E
- 16.9
- PEG ratio
- 1.58
- Price / sales
- 4.6 10-yr median 4.4
- Price / book
- 1.2 10-yr median 1.1
- EV / EBITDA
- — 10-yr median 6.1
- Dividend yield
- 2.34% $0.76 a year
- Beta
- 0.91
SBCF key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsSBCF valuation Price multiples at each fiscal year-end price.
SBCF returns How much profit the business earns on the capital it uses.
SBCF per-share figures Results divided by the shares outstanding at year-end.
SBCF financial health Debt, liquidity and how easily interest is covered.
SBCF efficiency & capital use Working capital cycle and where the cash goes.
SBCF valuation history
SBCF returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
SBCF debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
SBCF cash returned to shareholders
SBCF price vs earnings per share
SBCF key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $2.89B | $2.34B | $2.40B | $2.00B | $2.02B | $1.59B | $1.59B | $1.27B | $1.09B | $827.4M |
| Enterprise value | −$1.12B | $252.3M | $641.8M | $267.9M | −$161.9M | −$17.9M | $993.2M | $943.5M | $509.6M | $456.7M |
| P/E ratio | 19.9 | 19.4 | 23.1 | 18.8 | 16.2 | 20.4 | 16.1 | 18.9 | 25.5 | 28.3 |
| Price / sales | 3.3 | 2.9 | 3.1 | 4.5 | 5.7 | 4.6 | 4.6 | 4.4 | 4.4 | 4.5 |
| Price / book | 0.9 | 1.1 | 1.1 | 1.2 | 0.2 | 0.2 | 0.2 | 1.5 | 1.6 | 1.9 |
| Price / free cash flow | 16.1 | 13.3 | 17.1 | 10.9 | 13.4 | 26.9 | 13.8 | 10.1 | 25.3 | 14.8 |
| Price / operating cash flow | 15.4 | 13.0 | 15.9 | 10.2 | 13.1 | 26.2 | 13.5 | 9.8 | 22.3 | 13.3 |
| EV / sales | -1.3 | 0.3 | 0.8 | 0.6 | -0.5 | -0.1 | 2.9 | 3.2 | 2.0 | 2.5 |
| EV / EBITDA | — | 1.4 | 4.8 | 1.8 | — | — | 7.2 | 10.2 | 6.1 | 9.7 |
| EV / free cash flow | — | 1.4 | 4.6 | 1.5 | — | — | 8.6 | 7.5 | 11.8 | 8.2 |
| Earnings yield | 5.0% | 5.2% | 4.3% | 5.3% | 6.2% | 4.9% | 6.2% | 5.3% | 3.9% | 3.5% |
| Free cash flow yield | 6.2% | 7.5% | 5.8% | 9.1% | 7.4% | 3.7% | 7.2% | 9.9% | 4.0% | 6.8% |
| Dividend yield | 2.3% | 2.6% | 2.5% | 2.1% | 1.1% | 1.3% | 1.1% | 1.8% | 0.0% | 0.0% |
| Shareholder yield (dividends + buybacks) | 2.3% | 2.7% | 3.0% | 2.1% | 1.1% | 1.3% | 1.1% | 1.8% | 0.0% | 0.0% |
| Share price at fiscal year-end | $31.42 | $27.53 | $28.46 | $31.19 | $35.39 | $29.45 | $30.57 | $26.02 | $25.21 | $22.06 |
| Per share | ||||||||||
| Revenue per share | $9.46 | $9.51 | $9.11 | $6.95 | $6.22 | $6.46 | $6.66 | $5.98 | $5.77 | $4.95 |
| Earnings per share | $1.58 | $1.42 | $1.23 | $1.66 | $2.18 | $1.44 | $1.90 | $1.38 | $0.99 | $0.78 |
| Operating cash flow per share | $2.05 | $2.12 | $1.79 | $3.05 | $2.71 | $1.12 | $2.26 | $2.66 | $1.13 | $1.65 |
| Free cash flow per share | $1.95 | $2.07 | $1.66 | $2.85 | $2.63 | $1.10 | $2.21 | $2.58 | $1.00 | $1.49 |
| Cash per share | $58.15 | $31.43 | $27.14 | $32.32 | $41.73 | $33.43 | $20.66 | $20.31 | $24.86 | $28.26 |
| Book value per share | $33.24 | $25.67 | $25.00 | $25.02 | $168.33 | $153.37 | $129.21 | $17.73 | $15.91 | $11.61 |
| Tangible book value per share | $19.85 | $16.22 | $15.18 | $16.37 | $163.66 | $148.95 | $124.87 | $13.00 | $12.06 | $9.50 |
| Dividends per share | $0.74 | $0.72 | $0.72 | $0.64 | $0.39 | $0.38 | $0.35 | $0.46 | $0.00 | $0.00 |
| Capex per share | $0.10 | $0.05 | $0.12 | $0.20 | $0.08 | $0.03 | $0.05 | $0.08 | $0.13 | $0.16 |
| Debt per share | $14.54 | $6.87 | $6.30 | $5.30 | $3.50 | $3.65 | $9.18 | $13.64 | $11.41 | $18.38 |
| Shares outstanding | 91.9M | 85.0M | 84.3M | 64.3M | 57.1M | 53.9M | 52.0M | 48.7M | 43.4M | 37.5M |
| Change in shares outstanding | +8.1% | +0.8% | +31.2% | +12.6% | +5.9% | +3.7% | +6.7% | +12.5% | +15.6% | +11.2% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 5.5% | 5.6% | 5.6% | 1.9% | 1.4% | 1.0% | 2.6% | 8.7% | 7.6% | 7.4% |
| Return on invested capital (ROIC) | — | 54.5% | 94.1% | — | 1.8% | 1.2% | 3.0% | 20.8% | 50.1% | — |
| Return on assets (ROA) | 0.8% | 0.8% | 0.8% | 1.0% | 1.4% | 1.0% | 1.4% | 1.1% | 0.8% | 0.7% |
| Return on tangible assets | 0.7% | 0.8% | 0.8% | 0.9% | 1.3% | 1.0% | 1.4% | 1.0% | 0.8% | 0.6% |
| Free cash flow margin | 20.6% | 21.7% | 18.3% | 41.0% | 42.3% | 16.9% | 33.2% | 43.1% | 17.3% | 30.1% |
| Income quality (OCF / net income) | 1.30 | 1.49 | 1.45 | 1.84 | 1.24 | 0.78 | 1.19 | 1.93 | 1.14 | 2.12 |
| Financial health | ||||||||||
| Total debt | $1.34B | $584.0M | $530.9M | $340.4M | $199.8M | $196.8M | $477.8M | $665.1M | $494.6M | $689.4M |
| Cash & short-term investments | $5.35B | $2.67B | $2.29B | $2.08B | $2.38B | $1.80B | $1.08B | $990.0M | $1.08B | $1.06B |
| Net debt | −$4.01B | −$2.09B | −$1.76B | −$1.74B | −$2.18B | −$1.61B | −$597.3M | −$324.9M | −$583.2M | −$370.7M |
| Debt / equity | 0.44 | 0.27 | 0.25 | 0.21 | 0.02 | 0.02 | 0.07 | 0.77 | 0.72 | 1.58 |
| Debt / assets | 0.06 | 0.04 | 0.04 | 0.03 | 0.02 | 0.02 | 0.07 | 0.10 | 0.09 | 0.15 |
| Net debt / EBITDA | −17.72 | −11.93 | −13.06 | −11.67 | −14.09 | −15.70 | −4.36 | −3.50 | −6.93 | −7.90 |
| Current ratio | 0.40 | 0.21 | 0.19 | 0.24 | 0.35 | 0.33 | 0.18 | 1.20 | 1.10 | 0.93 |
| Quick ratio | 0.40 | 0.21 | 0.19 | 0.24 | 0.35 | 0.32 | 0.18 | 1.20 | 1.10 | 0.93 |
| Interest coverage | 0.7 | 0.5 | 0.7 | 9.6 | 19.3 | 4.1 | 2.8 | 2.9 | 5.2 | 5.2 |
| Working capital | −$8.08B | −$9.80B | −$9.86B | −$6.58B | −$4.36B | −$3.73B | −$4.84B | $870.2M | $397.4M | −$223.9M |
| Invested capital | −$953.4M | $94.3M | $349.9M | −$128.7M | $7.43B | $6.66B | $6.13B | $539.4M | $106.4M | $64.7M |
| Tangible asset value | $1.83B | $1.38B | $1.28B | $1.05B | $9.34B | $8.03B | $6.50B | $633.5M | $523.0M | $356.2M |
| Net current asset value | −$12.44B | −$10.32B | −$10.18B | −$8.46B | $2.31B | $1.73B | $689.0M | −$661.3M | −$916.6M | −$1.03B |
| Graham number | $34.33 | $28.67 | $26.34 | $30.54 | $90.85 | $70.54 | $74.28 | $23.46 | $18.81 | $14.26 |
| Graham net-net per share | −$135.31 | −$121.36 | −$120.75 | −$131.64 | $40.59 | $110.70 | $13.36 | −$100.25 | −$93.17 | −$84.79 |
| Capital allocation | ||||||||||
| Dividends paid | $67.7M | $61.6M | $60.6M | $41.2M | $22.5M | $20.2M | $18.1M | $22.5M | $0 | $0 |
| Share buybacks (net) | $0 | $880,000 | $10.9M | $0 | $0 | — | — | $0 | $0 | $0 |
| Dividend payout ratio | 46.7% | 51.0% | 58.2% | 38.7% | 18.1% | 26.0% | 18.3% | 33.5% | 0.0% | 0.0% |
| Dividends + buybacks / free cash flow | 37.9% | 35.6% | 50.9% | 22.5% | 15.0% | 34.3% | 15.7% | 17.9% | 0.0% | 0.0% |
| Capex / revenue | 1.1% | 0.5% | 1.3% | 2.8% | 1.2% | 0.5% | 0.7% | 1.4% | 2.3% | 3.3% |
| Capex / operating cash flow | 4.9% | 2.2% | 6.8% | 6.5% | 2.8% | 2.6% | 2.1% | 3.1% | 11.7% | 9.8% |
| Capex / depreciation | 0.23 | 0.21 | 24.33 | 1.19 | — | 0.93 | 0.30 | 0.77 | 1.16 | 2.13 |
| Stock-based compensation / revenue | 1.8% | 1.7% | 1.7% | 2.5% | 2.4% | 2.1% | 2.1% | 2.7% | 2.1% | 2.2% |
| SG&A / revenue | 30.0% | 25.9% | 29.3% | 35.5% | 34.4% | 31.6% | 26.7% | 37.8% | 40.4% | 46.1% |
| Efficiency | ||||||||||
| Days sales outstanding | — | — | — | — | — | 5,908.0 | — | — | — | — |
| Days of inventory on hand | — | — | — | 69.7 | -4,501.6 | 73.2 | 80.4 | 89.7 | 153.2 | 285.0 |
| Days payables outstanding | — | — | — | 79,045.3 | -2,560,830.1 | 36,459.6 | 34,334.4 | 42,847.6 | 70,706.7 | 106,829.6 |
| Cash conversion cycle (days) | — | — | — | — | — | -30,478.3 | — | — | — | — |
| Receivables turnover | — | — | — | — | — | 0.06 | — | — | — | — |
| Payables turnover | — | — | — | 0.00 | −0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 |
| Inventory turnover | — | — | — | 5.24 | −0.08 | 4.98 | 4.54 | 4.07 | 2.38 | 1.28 |
| Asset turnover | 0.05 | 0.05 | 0.06 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Average receivables | — | — | — | — | — | $5.64B | — | — | — | — |
| Average payables | — | — | — | $9.02B | $7.50B | $6.26B | $5.38B | $4.88B | $4.06B | $3.18B |
| Average inventory | — | — | — | $8.0M | $13.2M | $12.6M | $12.6M | $10.2M | $8.8M | $8.5M |
| Intangibles / total assets | 5.9% | 5.3% | 5.7% | 4.6% | 2.8% | 2.9% | 3.2% | 3.4% | 2.9% | 1.7% |
Computed from SBCF's annual financial statements (latest annual report filed February 27, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
SBCF valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Seacoast Banking traded at 19.9 times earnings, against a 10-year median of 19.6. Based on the latest twelve months, the trailing P/E is 21.0 and the forward P/E is 16.9. Seacoast Banking earned a return on equity of 5.5% in fiscal 2025. It ended the year with $1.3 billion of debt and $5.3 billion in cash and short-term investments, a net cash position of $4.0 billion. It returned $67.7 million to shareholders: $67.7 million in dividends and $0 in share buybacks, 38% of free cash flow. The share count rose 145.1% from 37.5M to 91.9M over 9 years.
See the SBCF income statement, the SBCF chart for price history, or the SBCF stock overview for the latest quote and news.
SBCF key metrics FAQ
What is Seacoast Banking's P/E ratio?
Seacoast Banking's trailing P/E ratio is 21.0 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 16.9. At the end of fiscal 2025 it was 19.9, compared with a 10-year median of 19.6.
What is Seacoast Banking's return on equity?
Seacoast Banking's return on equity (ROE) was 5.5% in fiscal 2025: net income of $144.9 million on average shareholders' equity of $2.6 billion.
How much debt does Seacoast Banking have?
Seacoast Banking had total debt of $1.3 billion at the end of fiscal 2025, a debt-to-equity ratio of 0.44 and more cash than debt.
What is Seacoast Banking's dividend yield?
Seacoast Banking's forward dividend yield is 2.34%. Seacoast Banking paid $67.7 million in dividends in fiscal 2025 ($0.74 per share), a payout ratio of 46.7%.
What is Seacoast Banking's free cash flow yield?
Seacoast Banking generated $178.9 million of free cash flow in fiscal 2025, a free cash flow yield of 6.2% on its market value at year-end ($2.9 billion).
What is Seacoast Banking's current ratio?
Seacoast Banking's current ratio was 0.40 at the end of fiscal 2025: current assets were 0.40 times current liabilities.