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Seacoast Banking Corporation of Florida

Seacoast Banking Corporation of Florida

SBCF
$33.89USD↓-1.28%-0.44 today

MARKET CAP

3.3B

P/E (TTM)

16.1x

FWD P/E

12.7x

DAY RANGE

$34 – $34

52W RANGE

$27
$36

AI Summary

Stalk
Sell NowHigh

SBCF remains in a Stage 4 decline, characterized by clear lower highs and lower lows while trading below the declining 9- and 20-day EMAs and 50-day SMA. Supply dominates, and rallies into these EMAs and the broken support zone offer optimal sell-side entries. A sustained close back above these moving averages and overhead resistance would invalidate the medium-term bearish bias.

  • ↑Q1 deposits +9.5% annualized ($382M growth) underpin strong funding.
  • ↑Commercial loan production surged 35% YoY, robust pipeline ahead.
  • ↓Profitability challenges reflected in weak returns metrics may persist.
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The case for & against

Bull & Bear analysis

Bullish

Seacoast Banking Corporation of Florida (NASDAQ: SBCF) is a regional banking institution primarily engaged in providing community banking services across Florida. The bank focuses on enhancing its financial offerings, particularly in commercial lending and wealth management, while strategically pursuing growth through acquisitions, notably its recent transaction with Villages Bank Corporation. With a robust capital structure and emphasis on relationship-based banking, Seacoast is positioned well within the competitive financial services sector, capitalizing on opportunities in a recovering market.

Bull says

  • ↑Q1 deposits +9.5% annualized ($382M growth) underpin strong funding.
  • ↑Commercial loan production surged 35% YoY, robust pipeline ahead.
  • ↑EPS of $0.62 (+41% YoY) and adjusted ROTE of 16.3%.
  • ↑Villages Bank acquisition expands footprint, unlocking profitable synergies.
  • ↑Tier 1 capital ratio at 14.4% supports growth and cushions risk.
  • ↑High earnings yield and book-to-price ratio signal value appeal.

Bear says

  • ↓Profitability challenges reflected in weak returns metrics may persist.
  • ↓Analyst revisions trending lower, raising doubts on future EPS.
  • ↓Negative dividend yield signal questions on shareholder cash returns.
  • ↓Geopolitical and economic uncertainties threaten loan growth momentum.
  • ↓Acquisition integration risks could disrupt operations and compliance.
  • ↓Rising rates and competition may compress net interest margins.

Investment themes with SBCF

High Dividend Yield↑ +0.32%

Companies paying above-average dividends

AVGO · JPM · XOM
Regional Banks↑ +0.50%

FLG · TCBI · ZION

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 05-01-2026bullish

Transcript signals

Bull points

  • The SECOS team delivered another great quarter, highlighted by robust deposit growth, particularly in non-interest-bearing deposits, meaningful expansion in the net interest margin, and solid progress towards the financial guidance we introduced last quarter.
  • we expect payoffs to moderate in the coming quarters, supporting a return to stronger loan growth as the year progresses.
  • Expense discipline remained excellent this quarter. Overhead was well controlled. The adjusted deficiency ratio was 55%,

Bear points

  • reported non-interest income was a net loss of $12.6 million, with adjusted non-interest income, which excludes the securities repositioning, totaling $26.9 million, down 6% from the prior quarter.
  • We saw a modest increase in non-performing loans compared to the prior quarter, to 0.75% of total loans, though still well within the range of low historical levels.
Read full transcript analysis ›