Seacoast Banking Corporation of Florida (SBCF) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Seacoast Banking Corporation of Florida stock $22.95, price $33.54, that is 31.6% below the price, quality 36 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range $17.14 – $35.93 · fair‑value band $17.21 – $25.02 · the $33.54 price screens above the $22.95 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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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.
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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.
Stock analysis
Seacoast Banking Corporation of Florida (SBCF) currently trades at $33.54, while our model-based Fair Value estimate is $22.95, 32% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $23.85 per share, and 0 of the 6 models we run sit above the $33.54 price.
Bear case: the Dividend Discount group reads lowest at $11.39, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $17.21 (bear) to $25.02 (bull), the price of $33.54 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 36/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Seacoast Banking Corporation of Florida reported revenue of $870M in FY2025 versus $355M in FY2021, a compound +25.1%/yr. Reported net income was $145M in FY2025, compounding +3.9%/yr from FY2021.
Key figures
Market cap $3.3B Mid · P/E ratio 20.0 · P/S ratio 4.78 · EPS (TTM) $1.68 · Dividend yield 2.3% · Net margin 25.0% · Return on equity 7.0% · Return on assets (EBIT) 1.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 18% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −32%, SBCF screens richer than that median.
Fair Value models
Bear$17.21Fair Value $22.95Bull$25.02
Price $33.54 · Downside -31.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.7864 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, 2 officers or directors sold shares worth $1.3M and none bought.
SaleDennis S Hudson IIIDirector6× since Nov 10, 2025: 48,000 shares, avg. $32.02$1.5MSep 16, 2026
SaleJuliette KleffelEVP, Chief Operating Officer14,831 shares at $34.31$508,852Aug 27, 2026
SaleJames C Stallings IIIEVP, Chief Credit Officer7,552 shares at $31.16$235,320May 6, 2026
SaleCharles M ShafferChairman, President & CEO, Director10,367 shares at $30.88$320,133May 4, 2026
SaleJoseph M ForlenzaEVP & CRO12,635 shares at $32.90$415,692Feb 26, 2026
BuyJoseph B Shearouse IIIDirector2× since Feb 12, 2026: 4,700 shares, avg. $33.03$155,251Feb 23, 2026
SaleMaryann GoebelDirector3,419 shares at $34.23$117,032Feb 3, 2026
SaleDennis J ArczynskiDirector3,419 shares at $34.21$116,964Feb 3, 2026
SaleJacqueline Lynette BradleyDirector2,279 shares at $33.54$76,438Feb 3, 2026
Plus 21 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.95/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+7.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+24.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.1%
Start year 2020 (pandemic). Over 10 years: +19.3% a year
Revenue growth 34 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.5%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−1.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year−3.7%
Dividend (yield on the price)2.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−3.7% vs 9.2%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.29% → 21%
News mood ⓘNews mood, the average tone of recent news (93 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
AI conclusion: Acquisition synergies have lifted wealth management fees and added diversification to its Florida community banking model, yet thin evidence of a durable moat leaves returns modest amid regional competition.
Main risk: Rate sensitivity and credit cycles in the loan books pose the biggest risk to this regional bank, which could pressure net interest margins and asset quality.
Seacoast has seen acquisition synergies boost its wealth management fees beyond initial expectations. This non-interest income stream adds diversification to its Florida community banking model, yet regional banks still contend with rate sensitivity and credit cycles in their loan books. Will the fee growth prove durable enough to offset those traditional pressures?
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Beats the industry median on 2/15 measures
Overall it trails its industry peers.
Valuation
Quality Score36 · Bottom 25%
Fair Value upside−31.6% · Below median
Profitability
Return on equity (12 months)7.0% · Bottom 25%
Return on assets0.7% · Below median
Net margin (12 months)25.0% · Below median
Operating margin (12 months)0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)40.1% · Top 25%
Dividend yield (12 months)2.3% · Below median
Balance sheet
Debt / equity0.31× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Seacoast Banking Corporation of Florida Fair Value". https://www.fairvalue-calculator.com/stock/SBCF
Frequently asked questions
Is Seacoast Banking Corporation of Florida (SBCF) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of $22.95 versus a price of $33.54, about 32% lower (overvalued).
What is the fair value of SBCF?
Our model-based fair value for Seacoast Banking Corporation of Florida is $22.95 (as of Nov 5, 2026), built from audited fundamentals. The current price: $33.54.
What is the quality score of SBCF?
Seacoast Banking Corporation of Florida has a Quality Score of 36/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Seacoast Banking Corporation of Florida (SBCF)?
Our model-based price target is the fair value of $22.95 (as of Nov 5, 2026) from 6 valuation models. Cautious scenario $17.21, optimistic scenario $25.02. It is a calculation from audited fundamentals, not an analyst target.
What is the Seacoast Banking Corporation of Florida stock forecast for 2026?
Our models put fair value at $22.95, about 32% lower versus a price of $33.54 (overvalued). Cautious scenario $17.21, optimistic scenario $25.02. The calculation is refreshed regularly with new filings.
What is the revenue of Seacoast Banking Corporation of Florida (SBCF)?
Seacoast Banking Corporation of Florida reported trailing-twelve-month revenue of about $682M (latest available figure, as of Nov 5, 2026).
Does Seacoast Banking Corporation of Florida pay a dividend?
Seacoast Banking Corporation of Florida currently shows a dividend yield of 2.27% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of Seacoast Banking Corporation of Florida (SBCF) and when is the ex-dividend date?
Seacoast Banking Corporation of Florida pays a dividend of $0.76 per share a year, a dividend yield of 2.3%. The next ex-dividend date is Dec 15, 2026, with payment on Dec 31, 2026. A dividend has been paid every year since 2021. The payout ratio is 45.2% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Seacoast Banking Corporation of Florida (SBCF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Seacoast Banking Corporation of Florida it is $22.95 per share (as of Nov 5, 2026), against a price of $33.54. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Seacoast Banking Corporation of Florida stock overvalued or undervalued in 2026?
As of Nov 5, 2026, SBCF trades above its calculated fair value: price $33.54, fair value $22.95, a gap of about −32% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SBCF?
No. The price is what the market pays today ($33.54); the fair value is what the company's own numbers justify ($22.95). For Seacoast Banking Corporation of Florida the two are $10.59 per share apart. That gap is exactly why we show both numbers side by side.
How much is Seacoast Banking Corporation of Florida worth?
The market values Seacoast Banking Corporation of Florida at about $3.3B (market capitalisation, as of Nov 5, 2026). Per share that is $33.54; our models calculate a fair value of $22.95 per share.
What do the bullish and bearish scenarios say about SBCF?
Our models span a range for Seacoast Banking Corporation of Florida: cautious scenario $17.21, base $22.95, optimistic $25.02 per share (as of Nov 5, 2026, price $33.54). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SBCF?
Seacoast Banking Corporation of Florida trades at a price-to-earnings ratio of 20.0 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $22.95 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 19.6. Other multiples: PEG 1.6, P/B 1.1, P/S 4.8, EV/EBITDA 21.6.
What is the PEG ratio of SBCF?
The PEG ratio of Seacoast Banking Corporation of Florida is 1.58 (P/E divided by earnings growth, as of Nov 5, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Seacoast Banking Corporation of Florida (SBCF)?
Balance-sheet figures for Seacoast Banking Corporation of Florida (as of Nov 5, 2026): return on equity 7.0%, debt of 0.31 per unit of equity. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is SBCF from its 52-week high?
Seacoast Banking Corporation of Florida trades at $33.54, about 7% below its 52-week high of $35.93 and 18% above the low of $28.52 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $22.95 is for.
Which stocks are comparable to Seacoast Banking Corporation of Florida?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Seacoast Banking Corporation of Florida stock attractive at the current price?
The data as of Nov 5, 2026: price $33.54, calculated fair value $22.95 (−32%), Quality Score 36/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SBCF calculated?
We run Seacoast Banking Corporation of Florida through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $22.95 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Seacoast Banking Corporation of Florida itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Seacoast Banking Corporation of Florida (SBCF)?
The closing price on Nov 6, 2026 was $33.54. Our model-based fair value is $22.95, about 32% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Seacoast Banking Corporation of Florida right now?
The price sits above even our optimistic bull case ($25.02). The favourable scenario is already priced in. Weak quality (36/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Seacoast Banking Corporation of Florida (SBCF) come from?
Earnings per share at Seacoast Banking Corporation of Florida grew +10.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +8.6 %, EBIT margin −0.6 %, tax rate +2.3 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Seacoast Banking Corporation of Florida
How large is the market capitalisation of Seacoast Banking Corporation of Florida (SBCF)?
The market capitalisation of Seacoast Banking Corporation of Florida is $3.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Seacoast Banking Corporation of Florida (SBCF)?
The price-to-sales ratio of Seacoast Banking Corporation of Florida is 4.78 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Seacoast Banking Corporation of Florida (SBCF)?
Earnings per share at Seacoast Banking Corporation of Florida are $1.68 (price ÷ EPS = P/E 20.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Seacoast Banking Corporation of Florida (SBCF)?
The dividend yield of Seacoast Banking Corporation of Florida is 2.3% (payout 45.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Seacoast Banking Corporation of Florida (SBCF)?
The net margin of Seacoast Banking Corporation of Florida is 25.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Seacoast Banking Corporation of Florida (SBCF)?
The return on equity (ROE) of Seacoast Banking Corporation of Florida is 7.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Seacoast Banking Corporation of Florida (SBCF)?
On an EBIT basis the return on assets of Seacoast Banking Corporation of Florida is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast is revenue growing at Seacoast Banking Corporation of Florida (SBCF)?
Revenue at Seacoast Banking Corporation of Florida is growing +40.1% versus a year earlier (3y avg +24.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Seacoast Banking Corporation of Florida (SBCF)?
Earnings per share at Seacoast Banking Corporation of Florida are growing +31.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Seacoast Banking Corporation of Florida (SBCF) generate?
The free cash flow of Seacoast Banking Corporation of Florida is $179M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Seacoast Banking Corporation of Florida (SBCF) carry?
The net debt of Seacoast Banking Corporation of Florida is $1.2B (fiscal year 2025, ≈ 6.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 5, 2026