Seacoast Banking Corporation of Florida

NasdaqGS:SBCF Stock Report

Market Cap: US$3.0b

Seacoast Banking Corporation of Florida Valuation

Is SBCF undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

What is the Fair Price of SBCF when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

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Below Future Cash Flow Value: SBCF ($30.8) is trading below our estimate of future cash flow value ($42.53)

Significantly Below Future Cash Flow Value: SBCF is trading below future cash flow value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for SBCF?

Key metric: As SBCF is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for SBCF. This is calculated by dividing SBCF's market cap by their current earnings.
What is SBCF's PE Ratio?
PE Ratio21.3x
EarningsUS$140.31m
Market CapUS$2.95b

Price to Earnings Ratio vs Peers

How does SBCF's PE Ratio compare to its peers?

The above table shows the PE ratio for SBCF vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average15.3x
CBU Community Financial System
14.9x14.64%US$3.1b
PRK Park National
16.7x11.13%US$3.0b
TOWN TowneBank
18.5x34.62%US$3.1b
FFBC First Financial Bancorp
11.1x15.40%US$2.8b
SBCF Seacoast Banking Corporation of Florida
21.3x34.54%US$3.0b

Price-To-Earnings vs Peers: SBCF is expensive based on its Price-To-Earnings Ratio (21.3x) compared to the peer average (15.3x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does SBCF's PE Ratio compare vs other companies in the US Banks Industry?

6 CompaniesPrice / EarningsEstimated GrowthMarket Cap
VLNT Vallant Financial
1.1xn/aUS$34.23m
FRCB First Republic Bank
0.02xn/aUS$27.98m
OCNB Oconomowoc Bancshares
0.7xn/aUS$10.72m
SBNY Signature Bank
0.002xn/aUS$2.18m
SBCF 21.3xIndustry Avg. 11.5xNo. of Companies111PE0612182430+
6 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: SBCF is expensive based on its Price-To-Earnings Ratio (21.3x) compared to the US Banks industry average (11.4x).

Price to Earnings Ratio vs Fair Ratio

What is SBCF's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

SBCF PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio21.3x
Fair PE Ratio20.6x

Price-To-Earnings vs Fair Ratio: SBCF is expensive based on its Price-To-Earnings Ratio (21.3x) compared to the estimated Fair Price-To-Earnings Ratio (20.6x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst SBCF forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$30.80
US$35.42
+14.99%
5.55%US$38.00US$33.00n/a6
Mar ’27US$31.12
US$36.10
+16.00%
4.50%US$38.00US$33.50n/a5
Feb ’27US$33.44
US$34.70
+3.77%
5.12%US$37.00US$32.00n/a5
Jan ’27US$31.42
US$34.08
+8.48%
4.01%US$36.00US$32.00n/a6
Dec ’26US$31.88
US$33.25
+4.30%
4.05%US$36.00US$32.00n/a6
Nov ’26US$30.30
US$32.17
+6.16%
7.49%US$36.00US$28.00n/a6
Oct ’26US$30.50
US$30.88
+1.23%
4.76%US$33.00US$28.00n/a6
Sep ’26US$31.11
US$30.88
-0.76%
4.76%US$33.00US$28.00n/a6
Aug ’26US$27.64
US$30.50
+10.35%
5.27%US$33.00US$28.00n/a6
Jul ’26US$28.59
US$28.83
+0.85%
6.14%US$32.00US$26.00n/a6
Jun ’26US$25.83
US$28.83
+11.63%
7.33%US$32.00US$26.00n/a6
May ’26US$23.96
US$28.33
+18.25%
6.96%US$31.00US$26.00n/a6
Apr ’26US$25.50
US$30.83
+20.92%
5.43%US$34.00US$29.00US$30.586
Mar ’26US$28.28
US$30.83
+9.03%
5.43%US$34.00US$29.00US$31.126
Feb ’26US$28.45
US$30.00
+5.45%
7.70%US$34.00US$27.00US$33.446
Jan ’26US$27.53
US$29.83
+8.37%
9.56%US$35.00US$27.00US$31.426
Dec ’25US$29.96
US$28.83
-3.76%
7.06%US$32.00US$27.00US$31.886
Nov ’25US$26.81
US$28.29
+5.50%
5.89%US$31.00US$26.00US$30.307
Oct ’25US$25.90
US$28.71
+10.87%
7.61%US$31.00US$25.00US$30.507
Sep ’25US$27.36
US$28.50
+4.17%
8.44%US$31.00US$25.00US$31.117
Aug ’25US$26.60
US$28.50
+7.14%
8.44%US$31.00US$25.00US$27.647
Jul ’25US$23.40
US$26.21
+12.03%
5.38%US$29.00US$25.00US$28.597
Jun ’25US$23.67
US$26.21
+10.75%
5.38%US$29.00US$25.00US$25.837
May ’25US$23.51
US$26.07
+10.90%
6.01%US$29.00US$25.00US$23.967
Apr ’25US$24.76
US$27.29
+10.20%
6.34%US$31.00US$25.50US$25.507
US$35.42
Fair Value
13.0% undervalued intrinsic discount
6
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/04/06 05:20
End of Day Share Price 2026/04/06 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Seacoast Banking Corporation of Florida is covered by 12 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Christopher MarinacBrean Capital Historical (Janney Montgomery)
Stephen MossB. Riley Securities, Inc.
Jeffrey CantwellGuggenheim Securities, LLC