Seacoast Banking Corporation of (SBCF) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Seacoast Banking Corporation of

NasdaqGS•Financial Services•Banks - Regional

$33.82-0.47(-0.01%)Pre-market

Market Cap

$3.25B

P/E

20.0x

P/S

3.1x

P/B

1.2x

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.

How this company scores

ExcellentMetricSide Score: 83/100

Strongest: Cash & Earnings Quality (23/25); weakest: Balance Sheet & Red Flags (18/25).

Profitability20/25

Growth22/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality23/25

Strengths

Growing revenueStrong marginsRising earningsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 20.0x5y range 15.7x – 23.2x

Currently near its 20-quarter median.

P/S · 3.1x5y range 2.5x – 6.1x

Currently near its 20-quarter median.

P/B · 1.2x5y range 0.9x – 1.6x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Watch

Operating margins declined 6.4% — watch for continued compression, which may signal competitive or cost pressure.

Share Dilution

Red Flag

Shares outstanding increased 14.2% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $3.25B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.03B
Q. Revenue: $283.33M
TTM EBITDA: $254.23M
TTM Op. Income: $207.37M
Q. Op. Income: $76.07M
TTM Net Income: $162.16M
Q. Net Income: $59.53M
EPS: $0.55
Shares Out.: $96.44M

$1.03B in TTM revenue grew 23.7% YoY, reaching $283.33M last quarter. TTM EBITDA of $254.23M and TTM operating income of $207.37M show growth is flowing through to the bottom line. TTM net income of $162.16M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 73.5%
EBITDA Margin: 30.4%
Op. Margin: 26.8%
Net Margin: 21.0%

Op. margin of 26.8% is up 1.5% YoY — cost efficiency is improving. Net margin at 21.0% and gross margin of 73.5% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 20.0x
P/S Ratio: 3.1x
P/B Ratio: 1.2x

At 20.0x P/E, the stock trades within typical market levels. P/S of 3.1x and P/B of 1.2x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 19% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $21.36B
Cash: $429.94M
Long-Term Debt: $112.91M
Book Value: $2.73B
D/E Ratio: 0.0
Debt/EBITDA: 1.3

With $21.36B in assets and $112.91M in long-term debt, D/E is 0.0and book value is $2.73B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 6 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $61.73M
TTM Free Cash Flow: $206.94M
FCF Margin: 20.0%
FCF / Net Income: 1.3

TTM FCF of $206.94M on $61.73M in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 6% — a weakening trend.