Seacoast Banking Corporation of Florida SBCF R2K

Financial Services · Banks - Regional · United States

https://www.seacoastbanking.com

Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides integrated financial services to retail and commercial customers in Florida. The company offers noninterest and interest-bearing demand deposits, money market, savings, and customer sweep accounts; time deposits; construction and land development, commercial and residential real estate, and commercial and financial loans; and consumer loans, including installment and revolving lines, as well as loans for automobiles, boats, and personal and family purposes. It also provides wealth management, mortgage, and insurance services through mobile and online banking solutions, as well as brokerage and annuity services. The company was founded in 1926 and is headquartered in Stuart, Florida.

Market & Price

Market Cap

$2.95B

Current Price

$30.31

High / Low (52W)

$34.87 / $24.18

Beta

0.89

Valuation

Stock P/E

20.34

Industry PE

12.01

Forward P/E

11.15

PEG Ratio

1.58

Book Value

$28.12

Price to Book

1.08

P/S

4.68

EV/EBITDA

Dividend Yield

2.51%

Profitability & Returns

ROCE

ROE

5.49%

ROA

0.79%

Profit Margin

23.06%

Op Margin

38.52%

EPS (Latest Qtr)

$0.29

EPS (TTM)

$1.49

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$1.27B

Total Assets

$20.84B

Current Assets

Working Capital

Ownership

Promoter Holding

1.28%

Chg in Prom Hold

FII / Inst Holding

91.17%

Chg in FII Hold

0.00%

Financial Snapshot

Enterprise Value

$3.69B

Total Revenue (TTM)

$630.01M

EBITDA

Free Cash Flow

Operating Cash Flow

$228.84M

Shares Outstanding

97.25M

Gross Margin

0.00%

Payout Ratio

49.66%

Growth (CAGR)

Revenue 5Y

14.72%

Profit 5Y

10.80%

Revenue (YoY)

24.10%

Earnings (YoY)

-21.00%

PROS

Excellent profit margin of 23.1%.
Compounding revenue at 14.7% over 5 years.
Profit CAGR of 10.8% over 5 years.
Attractive dividend yield of 2.51%.

CONS

In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	SBCF Seacoast Banking Corporation of Florida R2K	30.31	20.34	$2.95B	2.51%	-	5.49%	14.72%	10.80%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2013	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	140.70M	151.38M	157.29M	203.26M	163.86M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	65.74M	66.48M	69.24M	81.43M	74.24M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	40.85M	55.28M	46.93M	43.45M	40.92M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.39M	12.59M	10.46M	9.19M	9.03M
Net Income	2.95M	45.14M	2.30M	1.92M	3.00M	5.86M	5.80M	4.44M	3.97M	5.33M	9.13M	7.93M	7.68M	14.22M	18.03M	16.96M	16.32M	22.70M	23.25M	25.61M	709.00K	25.08M	22.63M	33.72M	31.41M	22.94M	20.59M	32.76M	29.24M	11.83M	31.25M	31.41M	26.01M	30.24M	30.65M	31.46M	42.69M	36.47M	34.26M	31.89M
Diluted EPS	0.11	2.31	0.09	0.07	0.12	0.18	0.18	0.13	0.11	0.14	0.24	0.20	0.18	0.32	0.38	0.35	0.34	0.44	0.45	0.49	0.01	0.47	0.42	0.60	0.56	0.40	0.33	0.53	0.47	0.15	0.37	0.37	0.31	0.36	0.36	0.37	0.50	0.42	0.31	0.29

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	432.25M	567.39M	515.40M	652.63M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	14.33M	200.74M	293.59M	282.90M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	138.14M	134.25M	155.84M	186.51M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	31.63M	30.22M	34.85M	41.63M
Net Income	-146.69M	-33.20M	6.67M	-710.00K	51.99M	5.70M	22.14M	29.20M	42.87M	67.28M	98.74M	77.76M	-	106.51M	104.03M	120.99M	144.88M
Diluted EPS	-4.74	-0.48	0.16	-0.24	2.44	0.21	0.66	0.78	0.99	1.38	1.90	1.44	-	1.66	1.23	1.42	1.57

Compounded Sales Growth

5 Years:	14.72%
1 Year:	24.10%

Compounded Profit Growth

5 Years:	10.80%
1 Year:	-21.00%

Stock Price Performance

1 Year:	+20.32%
6 Months:	-2.72%
3 Months:	-1.99%
1 Month:	-3.10%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	2.02B	2.14B	2.17B	2.27B	3.09B	3.53B	4.68B	5.81B	6.75B	7.11B	8.34B	9.68B	12.15B	14.58B	15.18B	20.84B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	151.19M	215.10M	211.41M	167.08M	174.99M	191.62M	100.54M	136.07M	109.64M	109.50M	115.95M	124.53M	404.09M	737.73M	205.18M	453.04M	479.82M	402.97M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Liabilities	-	-	1.85B	1.97B	2.01B	2.07B	2.78B	3.18B	4.25B	5.12B	5.88B	6.12B	7.21B	8.37B	10.54B	12.47B	12.99B	17.79B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	234.53M	156.30M	351.97M	947.76M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	234.53M	156.30M	351.97M	947.76M
Total Equity	-	-	166.30M	170.08M	165.55M	198.60M	312.65M	353.45M	435.40M	689.66M	864.27M	985.64M	1.13B	1.31B	1.61B	2.11B	2.18B	3.06B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	72.10M	85.48M	86.28M	98.73M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	2.98M	42.66M	23.74M	-2.06M	49.85M	21.95M	29.51M	62.01M	48.91M	129.61M	117.75M	60.65M	-	195.86M	150.61M	179.90M	188.06M
Investing Cash Flow	76.56M	55.98M	-180.87M	-28.42M	-89.16M	-	-170.90M	-511.79M	-245.58M	-174.60M	-321.34M	-342.50M	-	-364.88M	527.45M	-606.88M	-706.76M
Financing Cash Flow	-15.64M	-102.34M	112.80M	38.39M	55.94M	-	176.92M	423.36M	196.53M	51.44M	212.18M	561.41M	-	-366.77M	-432.82M	456.41M	430.64M
Capital Expenditure	-	-	-	-	-	-	-	-	-	-	-	-	-	-12.64M	-10.29M	-4.03M	-9.17M
Free Cash Flow	-	-	-	-	-	-	-	-	-	-	-	-	-	183.21M	140.32M	175.87M	178.89M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-535.79M	245.24M	29.43M	-88.06M
Share Buybacks	-	-	-	-	-	-	-	-	-	-	-	-	0	0	10.87M	880.00K	0

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	24.6%	18.3%	23.5%	22.2%
ROE %	-	-20.0%	3.9%	-0.4%	26.2%	1.8%	6.3%	6.7%	6.2%	7.8%	10.0%	6.9%	-	6.6%	4.9%	5.5%	4.7%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

1.28%

Institutions

91.17%

Public Float

92.36%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.35%	13.96M	$423.09M
2	North Reef Capital Management LP	5.99%	5.83M	$176.56M
3	State Street Corporation	5.17%	5.02M	$152.26M
4	Wellington Management Group, LLP	4.99%	4.85M	$147.03M
5	Vanguard Capital Management LLC	4.52%	4.40M	$133.32M
6	Dimensional Fund Advisors LP	3.24%	3.15M	$95.49M
7	Franklin Resources, Inc.	2.81%	2.74M	$82.93M
8	Geode Capital Management, LLC	2.54%	2.47M	$74.92M
9	Westwood Holdings Group Inc.	2.33%	2.27M	$68.72M
10	Deprince, Race & Zollo, Inc.	2.30%	2.24M	$67.83M

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SBCF · Financial Services