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Seacoast Banking Corporation of Florida SBCF NASDAQ

NASDAQ Global Select • Financial Services • Banks - Regional • US • USD

SharesGrow Score
63/100
3/7 Pass
SharesGrow Intrinsic Value
$38.42
+18.7%
Analyst Price Target
$33.50
+3.5%

Seacoast Banking Corporation of Florida (SBCF) is a Banks - Regional company in the Financial Services sector, currently trading at $32.37. It has a SharesGrow Score of 63/100, indicating a above average investment profile with 3 out of 7 criteria passed.

SharesGrow calculates the intrinsic value of SBCF = $38.42 (+18.7% from the current price, the stock appears undervalued). Analyst consensus target is SBCF = $34 (+3.5% upside).

Valuation: SBCF trades at a trailing Price-to-Earnings (P/E) of 21.5 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.88.

Financials: revenue is $870M, +28.3%/yr average growth. Net income is $145M, growing at +11.2%/yr. Net profit margin is 16.7% (healthy). Gross margin is 61.6% (-29.1 pp trend).

Balance sheet: total debt is $1.3B against $3.1B equity (Debt-to-Equity (D/E) ratio 0.44, conservative). Current ratio is 0.4 (tight liquidity). Debt-to-assets is 6.4%. Total assets: $20.8B.

Analyst outlook: 7 / 16 analysts rate SBCF as buy (44%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 58/100 (Partial), Growth 90/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 55/100 (Partial), Future 34/100 (Fail), Income 70/100 (Pass).

$33.50
▲ 3.49% Upside
Average Price Target
The 12-month price target for Seacoast Banking Corporation of Florida is $33.50.

SBCF SharesGrow Score Overview

63/100
SharesGrow Score
Above average fundamentals
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VALUE 58/100
Valuation — P/E, PEG, Forward PEG
GROWTH 90/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 33/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 55/100
Gross margin is + market cap
FUTURE 34/100
Analyst outlook — as buy
INCOME 70/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — SBCF

~
VALUE Partial
58/100
SBCF trades at a trailing Price-to-Earnings (P/E) of 21.5 (S&P 500 average ~25). Forward PEG 1.88 — overvalued. Analyst consensus target is $34, implying +5% from the current price $32. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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GROWTH Pass
90/100
SBCF: +28.3%/yr revenue is, +11.2%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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PAST Pass
100/100
SBCF: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
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HEALTH Fail
33/100
Balance sheet SBCF: Debt-to-Equity (D/E) ratio 0.44 (conservative), Current ratio is 0.4 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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~
MOAT Partial
55/100
SBCF: Gross margin is 61.6% (-29.1 pp trend), $3B market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 55/100. ≥ 70 = Pass.
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FUTURE Fail
34/100
Analyst outlook: 7 / 16 analysts rate SBCF as buy (44%). Analyst consensus target is $34 (+5% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
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INCOME Pass
70/100
SBCF: Net profit margin is 16.7%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
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Stock Chart & Stats

Market Data
52-Week Range21.36-35.55
Volume494.32K
Avg Volume (30D)776.73K
Market Cap$3.17B
Beta (1Y)0.92
Dividend Yield$0.7400
Share Statistics
EPS (TTM)1.62
Shares Outstanding$88.28M
IPO Date1984-02-02
Employees1,518
CEOCharles Shaffer
Financial Highlights & Ratios
Revenue (TTM)$869.54M
Gross Profit$535.38M
EBITDA$186.51M
Net Income$144.88M
Operating Income$186.51M
Total Cash$5.35B
Total Debt$1.34B
Net Debt$1.16B
Total Assets$20.84B
Price / Earnings (P/E)20
Price / Sales (P/S)3.65
Analyst Forecast
1Y Price Target$33.50
Target High$33.50
Target Low$33.50
Upside+3.5%
Rating ConsensusHold
Analysts Covering16
Buy 44% Hold 56% Sell 0%
Price Target Summary
Company Info
CountryUS
ExchangeNASDAQ Global Select
CurrencyUSD
ISINUS8117078019

Price Chart

SBCF
Seacoast Banking Corporation of Florida  ·  NASDAQ Global Select
Financial Services • Banks - Regional
21.36 52WK RANGE 35.55
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