SBCF
Financial ServicesSeacoast Banking Corporation of Florida · Banks - Regional · $3B
What is Seacoast Banking Corporation of Florida?
Seacoast Banking Corporation of Florida is the holding company for Seacoast National Bank, a community-focused financial institution serving retail and commercial customers across Florida. The bank operates dozens of branch and commercial lending offices throughout the state.
Seacoast National Bank generates revenue through traditional banking activities — taking deposits and making loans — alongside fee-based services. Commercial real estate lending, residential mortgages, and consumer loans form the core of its loan book. The bank also offers wealth management, brokerage, and annuity services, giving it multiple revenue streams beyond net interest income.
Seacoast Banking was founded in 1984 and is headquartered in Stuart, Florida.
- Commercial and retail banking
- Residential and commercial real estate loans
- Wealth management and brokerage services
- Mortgage origination and consumer lending
Is SBCF a Good Stock to Buy?
UQS Score rates SBCF as Below Average overall, reflecting meaningful weaknesses across several key pillars.
Valuation stands out as the brightest spot in SBCF's profile, rated Good — suggesting the stock is not pricing in an optimistic scenario. Quality and Growth both land at Neutral, indicating the bank is neither a standout performer nor a clear laggard on those dimensions.
Both the Moat and Risk pillars are rated Weak, pointing to limited competitive differentiation and above-average risk factors relative to peers in the regional banking space.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does SBCF pay dividends?
Yes — Seacoast Banking Corporation of Florida pays a dividend.
SBCF pays a regular dividend, which is relatively common among established community and regional banks. For income-oriented investors, the dividend reflects the bank's ability to return capital while maintaining its lending operations. Investors should review the current yield and payout consistency on Seacoast's investor relations page before drawing conclusions.
When does SBCF report earnings?
Seacoast Banking Corporation reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's quarterly results are shaped by net interest margin trends, loan growth, and credit quality — all of which fluctuate with Florida's economic conditions and broader interest rate cycles. Neutral Quality and Growth pillar ratings suggest performance has been in line with, rather than ahead of, regional banking peers.
For the most recent quarter's results and guidance, visit Seacoast Banking's investor relations page directly.
SBCF Price History
-1.6% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Seacoast Banking Corporation of Florida?
Based on Seacoast Banking Corporation of Florida's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
SBCF Long-term Outlook
SBCF's Neutral Growth profile suggests the bank is not expected to dramatically outpace the regional banking sector in the near term. The Weak Risk rating introduces uncertainty around credit quality and capital adequacy, particularly if Florida's real estate market faces headwinds. The Good Valuation rating, however, indicates the stock may already reflect a cautious fundamental outlook.
Growth drivers
- Florida's population growth supporting loan demand
- Expansion of fee-based wealth management and brokerage services
- Potential for disciplined acquisitions in the Florida banking market
Key risks
- Elevated credit risk in commercial real estate concentration
- Net interest margin compression in a shifting rate environment
- Limited competitive moat against larger regional and national banks
SBCF vs Peers
SBCF competes in the regional and community banking space alongside several similarly sized institutions.
Bank of Hawaii operates in the Hawaiian market, giving it a geographically distinct deposit base and a different loan mix compared to SBCF's Florida-centric footprint.
Park National is an Ohio-based community bank with a long track record of conservative lending, offering a contrast to SBCF's Sun Belt growth market exposure.
First Hawaiian is the largest bank headquartered in Hawaii, with a broader product suite and greater scale than SBCF, though both serve regionally concentrated customer bases.
Frequently Asked Questions
What does Seacoast Banking Corporation do?
Seacoast Banking Corporation is the holding company for Seacoast National Bank, which provides commercial banking, retail banking, mortgage, wealth management, and brokerage services to customers across Florida. The bank operates through dozens of branch and commercial lending offices throughout the state.
Does SBCF pay dividends?
Yes, SBCF pays a regular dividend. This is consistent with the practice of many established community and regional banks that return a portion of earnings to shareholders. For current yield and payment schedule details, check Seacoast's investor relations page.
When does SBCF report earnings?
Seacoast Banking reports earnings on a quarterly basis, in line with standard practice for US-listed bank holding companies. For exact dates and upcoming reporting schedules, refer to the company's investor relations page.
Is SBCF a good stock to buy?
UQS Score rates SBCF as Below Average, driven by Weak Moat and Risk pillar ratings. The Valuation pillar is rated Good, which may interest value-oriented investors. Whether it fits your portfolio depends on your risk tolerance and investment goals — the full pillar breakdown is available to Pro members.
Is SBCF overvalued?
Based on the UQS Valuation pillar, SBCF is rated Good, suggesting the stock is not trading at a stretched premium relative to its fundamentals. This is one of the stronger aspects of SBCF's overall profile. Pro members can view the detailed valuation metrics behind this rating.
How does SBCF compare to its competitors?
SBCF operates in a competitive regional banking landscape alongside peers like Bank of Hawaii, Park National, and First Hawaiian. Unlike some competitors with broader geographic diversification, SBCF is concentrated in Florida, which creates both opportunity and concentration risk. See the competitor comparison section above for more context.
What is SBCF's market cap bracket?
SBCF is classified as a mid-cap stock. This places it in a segment of the market that is generally more established than small-cap community banks but lacks the scale advantages of large regional or national banking institutions.
Who founded Seacoast Banking Corporation?
Seacoast Banking Corporation was founded in 1984. Detailed founding history, including the individuals involved, is publicly available through the company's official history and investor relations materials.
Is SBCF a long-term quality investment?
From a long-term quality perspective, SBCF's Below Average UQS Score reflects concerns — particularly the Weak Moat and Risk ratings — that could weigh on sustained outperformance. The Neutral Quality and Growth ratings suggest the bank is stable but not a standout. Pro members can access the full analysis to assess long-term fit.
What is the main competitive advantage of Seacoast Banking?
Seacoast Banking's primary advantage is its deep regional presence in Florida, one of the fastest-growing states in the US. However, the UQS Moat pillar rates this competitive position as Weak, indicating that this local focus has not yet translated into a durable structural advantage over peers.
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Pro Analysis
SBCF — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 46.1 | 58.7 | 24.0 | 45.1 | 34.4 | 75.1 | -0.2 |
| May 17, 2026 | 46.3 | 59.3 | 24.0 | 45.1 | 34.4 | 75.7 | +1.7 |
| May 2, 2026 | 44.6 | 55.1 | 24.0 | 44.7 | 33.4 | 72.6 | -0.1 |
| May 1, 2026 | 44.7 | 55.1 | 24.0 | 44.9 | 33.4 | 72.7 | -0.1 |
| Apr 26, 2026 | 44.8 | 55.1 | 24.0 | 45.4 | 33.4 | 72.9 | +0.2 |
| Apr 19, 2026 | 44.6 | 55.1 | 24.0 | 45.4 | 33.4 | 71.3 | 0.0 |
| Apr 18, 2026 | 44.6 | 55.1 | 24.0 | 45.4 | 33.4 | 71.7 | -2.7 |
| Apr 14, 2026 | 47.3 | 55.1 | 24.0 | 45.4 | 33.4 | 89.7 | 0.0 |
| Apr 12, 2026 | 47.3 | 55.1 | 24.0 | 45.4 | 33.4 | 89.6 | -0.4 |
| Apr 11, 2026 | 47.7 | 55.1 | 24.0 | 45.4 | 33.4 | 92.3 | -0.1 |
SBCF — Pillar Breakdown
Quality
— 58.7/100 (25%)Seacoast Banking Corporation of Florida shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 45.1/100 (20%)Seacoast Banking Corporation of Florida shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 34.4/100 (15%)Seacoast Banking Corporation of Florida presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 75.1/100 (15%)Seacoast Banking Corporation of Florida appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 24/100 (25%)Seacoast Banking Corporation of Florida operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for SBCF.
Score Composition
Financial Data
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How is the SBCF UQS Score Calculated?
The UQS (Unified Quality Score) for Seacoast Banking Corporation of Florida is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Seacoast Banking Corporation of Florida's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Seacoast Banking Corporation of Florida is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.