Is SBCF a good stock to buy right now?

Based on our 6-factor quantitative model, SEACOAST BANKING CORP OF FLORIDA (SBCF) receives a "Hold" rating with a composite score of 47.5/100. It is ranked #1,660 out of 4,446 stocks. Key factor scores: Quality 47/100, Value 63/100, Momentum 49/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for SBCF?

SEACOAST BANKING CORP OF FLORIDA (SBCF) has a "Hold" rating and 3-star score. The composite score of 47.5 ranks it #1,660 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is SBCF in?

SEACOAST BANKING CORP OF FLORIDA operates in the Financials sector (Banking industry) with a market cap of $3.00 billion. It is classified as a mid-cap stock.

Does SBCF pay a dividend?

Yes, SBCF pays a dividend with a current yield of 2.37%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $23.70 in annual dividend income.

What is SBCF's P/E ratio?

SBCF has a trailing P/E ratio of 21.54x. The Financials sector average is 14.9x. This P/E is in a moderate range relative to the broader market.

How profitable is SBCF?

SBCF's quality factor score is 47/100. Gross margin: 0.0%. ROE: 5.2% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is SBCF valued compared to peers?

SBCF's value factor score is 63/100 (higher = cheaper). Key multiples: P/E 21.5x, EV/EBITDA 17.3x. The stock appears attractively valued versus peers.

What is SBCF's debt level?

SBCF's debt-to-equity ratio is 4%. Sector average: 121%. Low leverage suggests conservative financial management.

SBCF has a beta of 0.99, meaning it tracks the market. Stability score: 77/100.

Does SBCF have high short interest?

SBCF's short interest factor score is 11/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

SBCF Stock Analysis: Top Mid-Cap Hold (Score 47.5/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
SBCF	-1.04%	+6.24%	+3.92%	+3.02%	+47.07%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-0.97%	+2.63%	+3.58%	+3.38%	+17.54%	-	-	-
Alpha vs Sector	+0.05%	+3.73%	+2.50%	+10.33%	+36.48%	-	-	-

Metric	SBCF	Benchmark
P/E Ratio	21.5x	+45%
EV/EBITDA	17.3x	+431%
Price / Book	1.1x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
SBCF SEACOAST BANKING CORP OF FLORIDA	48	47	63	49	21.5x	5.2%	0.0%	18.5%	12.7%	4.0x	$3.0B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	-	-	-	0.8%	0.8%	0.8%	0.8%	0.8%
Operating Margin %	0.2%	0.2%	0.2%	0.2%	0.4%	0.6%	0.2%	0.2%	0.2%	0.2%	0.2%
EBITDA Margin %	0.2%	0.2%	0.2%	0.2%	0.4%	0.6%	0.3%	0.5%	0.4%	0.4%	0.3%
Net Margin %	0.2%	0.2%	0.2%	0.2%	0.3%	0.4%	0.2%	0.3%	0.3%	0.2%	0.2%
FCF Margin %	-81.0%	-	-	-	-	-	18.2%	38.4%	48.0%	18.4%	31.5%
ROE %	0.1%	0.1%	0.1%	0.0%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	0.1%	5.2%	5.4%	5.0%	6.8%	9.6%	3.9%	3.3%	2.7%	4.3%	2.9%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

0.8%

Operating Margin %

0.2%

0.4%

0.6%

0.2%

EBITDA Margin %

0.2%

0.4%

0.6%

0.3%

0.5%

0.4%

0.3%

Net Margin %

0.2%

0.3%

0.4%

0.2%

0.3%

0.2%

FCF Margin %

-81.0%

18.2%

38.4%

48.0%

18.4%

31.5%

ROE %

0.1%

0.0%

0.1%

ROA %

0.0%

ROIC %

0.1%

5.2%

5.4%

5.0%

6.8%

9.6%

3.9%

3.3%

2.7%

4.3%

2.9%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$764M	$836M	$726M	$689M	$380M	$284M	$324M	$300M	$262M	$235M	$177M	$142M
	—	—	—	—	—	—	$263M	$244M	$212M	$176M	$140M	$109M
Gross Margin	0.0%	---	---	---	---	---	81.0%	81.1%	80.9%	75.1%	78.7%	77.1%
	—	—	—	—	—	—	$7M	$11M	$10M	$10M	$13M	-$250K
Total Operating Expenses	—	$650M	$570M	$555M	$242M	$126M	—	—	—	—	—	—
	$182M	$187M	$156M	$134M	$138M	$159M	$62M	$57M	$50M	$58M	$38M	$33M
EBIT	$182M	$187M	$156M	$134M	$138M	$159M	$62M	$57M	$50M	$58M	$38M	$33M
EBITDA	$182M	$187M	$156M	$134M	$138M	$159M	$107M	$140M	$96M	$89M	$57M	$42M
Operating Margin	23.8%	22.3%	21.5%	19.5%	36.3%	55.9%	19.0%	18.9%	19.1%	24.9%	21.3%	22.9%
EBITDA Margin	23.8%	22.3%	21.5%	19.5%	36.3%	55.8%	33.1%	46.5%	36.7%	37.8%	32.0%	29.4%
	—	—	—	$201M	$14M	$8M	$24M	$46M	$30M	$15M	$8M	$7M
	—	$187M	$156M	$134M	$138M	$159M	—	—	—	—	—	—
Income Tax Expense	—	$42M	$35M	$30M	$32M	$34M	$23M	$30M	$20M	$36M	$15M	$14M
	$141M	$145M	$121M	$104M	$107M	$124M	$78M	$99M	$67M	$43M	$29M	$22M
Net Margin	18.4%	17.3%	16.7%	15.1%	28.0%	43.8%	24.0%	32.9%	25.7%	18.3%	16.5%	15.6%
	$1.59	$1.59	$1.43	$1.24	$1.67	$2.20	$1.45	$1.92	$1.40	$1.01	$0.79	$0.66
Diluted EPS	$1.59	$1.57	$1.42	$1.23	$1.66	$2.18	$1.45	$1.92	$1.40	$1.01	$0.79	$0.66
Weighted Avg Basic	—	88M	84M	84M	64M	57M	—	—	—	—	—	—
Weighted Avg Diluted	—	89M	85M	84M	64M	57M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$764M

$836M

$726M

$689M

$380M

$284M

$324M

$300M

$262M

$235M

$177M

$142M

—

$263M

$244M

$212M

$176M

$140M

$109M

Gross Margin

0.0%

---

81.0%

81.1%

80.9%

75.1%

78.7%

77.1%

—

$7M

$11M

$10M

$13M

-$250K

Total Operating Expenses

—

$650M

$570M

$555M

$242M

$126M

—

$182M

$187M

$156M

$134M

$138M

$159M

$62M

$57M

$50M

$58M

$38M

$33M

EBIT

$182M

$187M

$156M

$134M

$138M

$159M

$62M

$57M

$50M

$58M

$38M

$33M

EBITDA

$182M

$187M

$156M

$134M

$138M

$159M

$107M

$140M

$96M

$89M

$57M

$42M

Operating Margin

23.8%

22.3%

21.5%

19.5%

36.3%

55.9%

19.0%

18.9%

19.1%

24.9%

21.3%

22.9%

EBITDA Margin

23.8%

22.3%

21.5%

19.5%

36.3%

55.8%

33.1%

46.5%

36.7%

37.8%

32.0%

29.4%

—

$201M

$14M

$8M

$24M

$46M

$30M

$15M

$8M

$7M

—

$187M

$156M

$134M

$138M

$159M

—

Income Tax Expense

—

$42M

$35M

$30M

$32M

$34M

$23M

$30M

$20M

$36M

$15M

$14M

$141M

$145M

$121M

$104M

$107M

$124M

$78M

$99M

$67M

$43M

$29M

$22M

Net Margin

18.4%

17.3%

16.7%

15.1%

28.0%

43.8%

24.0%

32.9%

25.7%

18.3%

16.5%

15.6%

$1.59

$1.43

$1.24

$1.67

$2.20

$1.45

$1.92

$1.40

$1.01

$0.79

$0.66

Diluted EPS

$1.59

$1.57

$1.42

$1.23

$1.66

$2.18

$1.45

$1.92

$1.40

$1.01

$0.79

$0.66

Weighted Avg Basic

—

88M

84M

64M

57M

—

Weighted Avg Diluted

—

89M

85M

84M

64M

57M

—

SEACOAST BANKING CORP OF FLORIDA (SBCF) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does SEACOAST BANKING CORP OF FLORIDA Do?

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. SEACOAST BANKING CORP OF FLORIDA (SBCF) is classified as a mid-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Charles M. Shaffer and employs approximately 1,490 people, headquartered in Stuart, Florida. With a market capitalization of $3.0B, SBCF is one of the notable companies in the Financials sector.

SEACOAST BANKING CORP OF FLORIDA (SBCF) Stock Rating — Hold (April 2026)

As of April 2026, SEACOAST BANKING CORP OF FLORIDA receives a Hold rating with a composite score of 47.5/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.SBCF ranks #1,660 out of 4,446 stocks in our coverage universe. Within the Financials sector, SEACOAST BANKING CORP OF FLORIDA ranks #505 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

SBCF Stock Price and 52-Week Range

SEACOAST BANKING CORP OF FLORIDA (SBCF) currently trades at $32.37. The stock lost $0.34 (1.0%) in the most recent trading session. The 52-week high for SBCF is $35.55, which means the stock is currently trading -8.9% from its annual peak. The 52-week low is $21.36, putting the stock 51.5% above its annual trough. Recent trading volume was 639K shares, suggesting relatively thin trading activity.

Is SBCF Overvalued or Undervalued? — Valuation Analysis

SEACOAST BANKING CORP OF FLORIDA (SBCF) carries a value factor score of 63/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 21.54x, compared to the Financials sector average of 14.88x — a premium of 45%. The price-to-book ratio stands at 1.12x, versus the sector average of 1.22x. The price-to-sales ratio is 3.98x, compared to 0.90x for the average Financials stock. On an enterprise value basis, SBCF trades at 17.31x EV/EBITDA, versus 3.26x for the sector.

Overall, SBCF's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

SEACOAST BANKING CORP OF FLORIDA Profitability — ROE, Margins, and Quality Score

SEACOAST BANKING CORP OF FLORIDA (SBCF) earns a quality factor score of 47/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 5.2%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.7% versus the sector average of 1.2%.

On a margin basis, SEACOAST BANKING CORP OF FLORIDA reports gross margins of 0.0%. The operating margin is 23.8% (sector: 21.8%). Net profit margin stands at 18.4%, versus 17.7% for the average Financials stock. Revenue growth is running at 12.7% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

SBCF Debt, Balance Sheet, and Financial Health

SEACOAST BANKING CORP OF FLORIDA has a debt-to-equity ratio of 4.0%, compared to the Financials sector average of 121.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 1.17x, suggesting adequate working capital coverage. Total debt on the balance sheet is $113M. Cash and equivalents stand at $174M.

SBCF has a beta of 0.99, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for SEACOAST BANKING CORP OF FLORIDA is 77/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

SEACOAST BANKING CORP OF FLORIDA Revenue and Earnings History — Quarterly Trend

In TTM 2026, SEACOAST BANKING CORP OF FLORIDA reported revenue of $764M and earnings per share (EPS) of $1.59. Net income for the quarter was $141M. Gross margin was 0.0%. Operating income came in at $182M.

In FY 2025, SEACOAST BANKING CORP OF FLORIDA reported revenue of $836M and earnings per share (EPS) of $1.59. Net income for the quarter was $145M. Revenue grew 15.3% year-over-year compared to FY 2024. Operating income came in at $187M.

In Q3 2025, SEACOAST BANKING CORP OF FLORIDA reported revenue of $203M and earnings per share (EPS) of $0.42. Net income for the quarter was $36M. Revenue grew 10.1% year-over-year compared to Q3 2024. Operating income came in at $47M.

In Q2 2025, SEACOAST BANKING CORP OF FLORIDA reported revenue of $193M and earnings per share (EPS) of $0.50. Net income for the quarter was $43M. Revenue grew 7.5% year-over-year compared to Q2 2024. Operating income came in at $55M.

Over the past 8 quarters, SEACOAST BANKING CORP OF FLORIDA has demonstrated a growth trajectory, with revenue expanding from $180M to $764M. Investors analyzing SBCF stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

SBCF Dividend Yield and Income Analysis

SEACOAST BANKING CORP OF FLORIDA (SBCF) currently pays a dividend yield of 2.4%. At this yield, a $10,000 investment in SBCF stock would generate approximately $$237.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning SBCF yields less than the typical sector peer. With a net margin of 18.4%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

SBCF Momentum and Technical Analysis Profile

SEACOAST BANKING CORP OF FLORIDA (SBCF) has a momentum factor score of 49/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 28/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 11/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

SBCF vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, SEACOAST BANKING CORP OF FLORIDA (SBCF) ranks #505 out of 891 stocks based on the Blank Capital composite score. This places SBCF in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing SBCF against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full SBCF vs S&P 500 (SPY) comparison to assess how SEACOAST BANKING CORP OF FLORIDA stacks up against the broader market across all factor dimensions.

SBCF Next Earnings Date

No upcoming earnings date has been announced for SEACOAST BANKING CORP OF FLORIDA (SBCF) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy SBCF? — Investment Thesis Summary

SEACOAST BANKING CORP OF FLORIDA presents a balanced picture with arguments on both sides. The value score of 63/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 77/100) reduces downside risk.

In summary, SEACOAST BANKING CORP OF FLORIDA (SBCF) earns a Hold rating with a composite score of 47.5/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on SBCF stock.

Related Resources for SBCF Investors

Explore more research and tools: SBCF vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare SBCF head-to-head with peers: SBCF vs WTM, SBCF vs OPY, SBCF vs ACT.

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SEACOAST BANKING CORP OF FLORIDA (SBCF) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does SEACOAST BANKING CORP OF FLORIDA Do?

SEACOAST BANKING CORP OF FLORIDA (SBCF) Stock Rating — Hold (April 2026)

SBCF Stock Price and 52-Week Range

Is SBCF Overvalued or Undervalued? — Valuation Analysis

SEACOAST BANKING CORP OF FLORIDA Profitability — ROE, Margins, and Quality Score

SBCF Debt, Balance Sheet, and Financial Health

SEACOAST BANKING CORP OF FLORIDA Revenue and Earnings History — Quarterly Trend

SBCF Dividend Yield and Income Analysis

SBCF Momentum and Technical Analysis Profile

SBCF vs Competitors — Financials Sector Ranking and Peer Comparison

SBCF Next Earnings Date

Should You Buy SBCF? — Investment Thesis Summary

Related Resources for SBCF Investors

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