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Seacoast Banking Corporation of Florida SBCF

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34.36 USD +0.91 (+2.72%)

Nov 4, 2026, 9:54 AM EST

34.32 Day range 35.06
28.69 52-week range 36.27
YTD
+9.36%
1 year
+13.51%

Financial health

Altman Z-Score

-0.40 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 4
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 3
  • P/E 2
  • P/B 3

Valuation

P/E 19.4×
FY 2016: 27.9×FY 2017: 25.0×FY 2018: 18.6×FY 2019: 15.9×FY 2020: 20.3×FY 2021: 16.1×FY 2022: 18.7×FY 2023: 23.0×FY 2024: 19.3×FY 2025: 19.4×
FY 2016 5y median 19.3× FY 2025
P/S 3.2×
FY 2016: 4.4×FY 2017: 4.3×FY 2018: 4.3×FY 2019: 4.5×FY 2020: 4.5×FY 2021: 5.6×FY 2022: 4.4×FY 2023: 3.1×FY 2024: 2.9×FY 2025: 3.2×
FY 2016 5y median 3.2× FY 2025
P/B 0.9×
FY 2016: 1.9×FY 2017: 1.6×FY 2018: 1.4×FY 2019: 1.6×FY 2020: 1.4×FY 2021: 1.5×FY 2022: 1.2×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 0.9×
FY 2016 5y median 1.1× FY 2025
P/FCF 15.5×
FY 2016: 14.5×FY 2017: 24.9×FY 2018: 9.9×FY 2019: 13.7×FY 2020: 26.7×FY 2021: 13.3×FY 2022: 10.8×FY 2023: 17.0×FY 2024: 13.2×FY 2025: 15.5×
FY 2016 5y median 13.3× FY 2025
EV/EBITDA 17.4×
FY 2016: 29.7×FY 2017: 17.2×FY 2018: 19.3×FY 2019: 14.0×FY 2020: 13.3×FY 2021: 9.4×FY 2022: 14.7×FY 2023: 18.3×FY 2024: 13.9×FY 2025: 17.4×
FY 2016 5y median 14.7× FY 2025
EV/Sales 4.5×
FY 2016: 7.5×FY 2017: 5.8×FY 2018: 6.1×FY 2019: 5.5×FY 2020: 3.9×FY 2021: 4.1×FY 2022: 4.9×FY 2023: 3.2×FY 2024: 3.0×FY 2025: 4.5×
FY 2016 5y median 4.1× FY 2025
FCF Yield 6.4%
FY 2016: 6.9%FY 2017: 4.0%FY 2018: 10.1%FY 2019: 7.3%FY 2020: 3.7%FY 2021: 7.5%FY 2022: 9.2%FY 2023: 5.9%FY 2024: 7.6%FY 2025: 6.4%
FY 2016 5y median 7.5% FY 2025

Profitability

Gross Margin 61.6%
FY 2016: 94.1%FY 2017: 91.6%FY 2018: 85.7%FY 2019: 83.5%FY 2020: 82.0%FY 2021: 100.3%FY 2022: 90.7%FY 2023: 68.8%FY 2024: 61.6%FY 2025: 61.6%
FY 2016 5y median 68.8% FY 2025
Operating Margin 21.4%
FY 2016: 23.7%FY 2017: 31.7%FY 2018: 30.0%FY 2019: 37.1%FY 2020: 28.9%FY 2021: 44.7%FY 2022: 30.9%FY 2023: 17.5%FY 2024: 19.3%FY 2025: 21.4%
FY 2016 5y median 21.4% FY 2025
Net Margin 16.7%
FY 2016: 15.7%FY 2017: 17.1%FY 2018: 23.1%FY 2019: 28.5%FY 2020: 22.3%FY 2021: 35.0%FY 2022: 23.8%FY 2023: 13.5%FY 2024: 15.0%FY 2025: 16.7%
FY 2016 5y median 16.7% FY 2025
ROE 4.7%
FY 2016: 6.7%FY 2017: 6.2%FY 2018: 7.8%FY 2019: 10.0%FY 2020: 6.9%FY 2021: 9.5%FY 2022: 6.6%FY 2023: 4.9%FY 2024: 5.5%FY 2025: 4.7%
FY 2016 5y median 5.5% FY 2025
ROIC -2.3%
FY 2016: 2.5%FY 2017: 3.5%FY 2018: 4.3%FY 2019: 6.5%FY 2020: 5.5%FY 2021: 7.7%FY 2022: 4.9%FY 2023: 3.7%FY 2024: 4.1%FY 2025: -2.3%
FY 2016 5y median 4.1% FY 2025
ROA 0.7%
FY 2016: 0.6%FY 2017: 0.7%FY 2018: 1.0%FY 2019: 1.4%FY 2020: 0.9%FY 2021: 1.3%FY 2022: 0.9%FY 2023: 0.7%FY 2024: 0.8%FY 2025: 0.7%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 7.5%
FY 2016: 25.3%FY 2017: 34.6%FY 2018: 16.5%FY 2019: 18.9%FY 2020: 0.6%FY 2021: 1.8%FY 2022: 25.8%FY 2023: 72.0%FY 2024: 5.3%FY 2025: 7.5%
FY 2016 FY 2025
Operating Income 19.7%
FY 2016: 23.6%FY 2017: 79.6%FY 2018: 10.5%FY 2019: 46.9%FY 2020: -21.8%FY 2021: 57.8%FY 2022: -13.0%FY 2023: -2.8%FY 2024: 16.1%FY 2025: 19.7%
FY 2016 FY 2025
EPS (diluted) 11.3%
FY 2016: 18.2%FY 2017: 26.9%FY 2018: 39.4%FY 2019: 37.7%FY 2020: -24.2%FY 2021: 51.4%FY 2022: -23.9%FY 2023: -25.9%FY 2024: 15.4%FY 2025: 11.3%
FY 2016 FY 2025
Free Cash Flow 1.7%
FY 2016: 174.0%FY 2017: -22.8%FY 2018: 190.7%FY 2019: -8.3%FY 2020: -48.7%FY 2021: 154.4%FY 2022: 21.9%FY 2023: -23.4%FY 2024: 25.3%FY 2025: 1.7%
FY 2016 FY 2025

Financial Health

Current Ratio 0.4×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.4×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.4×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.4×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.4×
FY 2016: 1.6×FY 2017: 0.7×FY 2018: 0.8×FY 2019: 0.5×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 5.1×
FY 2016: 12.4×FY 2017: 4.5×FY 2018: 5.8×FY 2019: 2.5×FY 2020: -2.1×FY 2021: -3.5×FY 2022: 1.4×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 5.1×
FY 2016 5y median 0.6× FY 2025
Interest Coverage 0.7×
FY 2016: 5.2×FY 2017: 5.2×FY 2018: 2.9×FY 2019: 2.8×FY 2020: 4.1×FY 2021: 19.3×FY 2022: 9.6×FY 2023: 0.7×FY 2024: 0.5×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 2.4%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 1.1%FY 2022: 2.1%FY 2023: 2.5%FY 2024: 2.7%FY 2025: 2.4%
FY 2016 5y median 2.4% FY 2025
Payout Ratio 46.7%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 18.1%FY 2022: 38.7%FY 2023: 58.2%FY 2024: 51.0%FY 2025: 46.7%
FY 2016 5y median 46.7% FY 2025

Annual · latest fiscal year ends 2025-12-31