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Upturn AI Summary - About
Seacoast Banking Corporation of Florida(SBCF)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SBCF
09/28/2026: SBCF (1-star) is currently NOT-A-BUY. Pass it for now.
Seacoast Banking Corporation of Florida is a regionally focused financial institution providing commercial and retail banking services primarily across Florida. The company benefits from its deep-rooted presence in high-growth Florida markets and has historically utilized a strategic M&A approach to scale its operations. While the bank’s community-focused service model provides a competitive advantage in customer retention, it faces risks related to geographic concentration and intense competition from large national banks. The company may suit value and dividend-focused investors, though growth remains tied to acquisition success and regional economic conditions. Investors should monitor the integration of recent acquisitions and the impact of interest rate cycles on net interest margins.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely acquisition-driven rather than purely organic, requiring ongoing integration success. |
| Momentum investor | Weak fit | The stock often tracks the broader regional banking sector rather than showing distinct momentum-driven outperformance. |
| Value investor | Strong fit | Seacoast often trades at valuation multiples that appeal to investors seeking exposure to regional growth at reasonable prices. |
| Dividend investor | Strong fit | Consistent dividend payments provide steady income, making it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, the geographic concentration in Florida increases sensitivity to regional economic shocks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Regional bank stocks are sensitive to interest rate environments and general economic outlooks. |
| Valuation risk | Medium | Market pricing is influenced by acquisition premiums and historical book value multiples. |
| Competition risk (National banks) | High | National banks possess scale advantages in technology and marketing that can pressure market share. |
| Business quality | Medium | The company relies on successful integration of acquisitions to maintain operational quality. |
| Dividend income | Low | Dividends are relatively stable but are subject to board approval and profitability. |
| Execution risk | Medium / high | Future growth depends on the continued successful M&A strategy and organic loan volume. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 1.92% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.15B USD | Price to earnings Ratio 21.14 | 1Y Target Price 37.04 |
Price to earnings Ratio 21.14 | 1Y Target Price 37.04 | ||
Volume (30-day avg) 805.1K shares | Beta 0.86 | 52 Weeks Range 27.91 - 36.07 | Updated Date 09/29/2026 |
52 Weeks Range 27.91 - 36.07 | Updated Date 09/29/2026 | ||
Dividends yield (FY) 2.27% | Basic EPS (TTM) 1.54 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The bank makes the most money by earning more on loans than it pays out in interest to savers. |
| Fee Income | Service charges on deposits, wealth management fees, and mortgage banking income. | The bank generates steady revenue through standard banking services and asset management. |
| Geography: Florida | All operations concentrated in the Florida market. | The bank's success is tied directly to the economic health of Florida. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 21.14 | Forward PE 16.92 | Enterprise Value 4.33B | Price to Sales(TTM) 4.62 |
Enterprise Value 4.33B | Price to Sales(TTM) 4.62 | ||
Enterprise Value to Revenue 6.1 | Enterprise Value to EBITDA - | Shares Outstanding 96.82M | Shares Floating 94.40M |
Shares Outstanding 96.82M | Shares Floating 94.40M | ||
Percent Insiders 1.32 | Percent Institutions 93.92 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Seacoast Banking Corporation of Florida
Exchange NASDAQ | Headquarters Stuart, FL, United States | ||
IPO Launch date 1990-03-26 | Chairman, President & CEO Mr. Charles M. Shaffer CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1964 | Website https://www.seacoastbanking.com |
Full time employees 1964 | Website https://www.seacoastbanking.com | ||
Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides integrated financial services to retail and commercial customers in Florida. The company offers noninterest and interest-bearing demand deposits, money market, savings, and customer sweep accounts; time deposits; construction and land development, commercial and residential real estate, and commercial and financial loans; and consumer loans, including installment and revolving lines, as well as loans for automobiles, boats, and personal and family purposes. It also provides wealth management, mortgage, and insurance services through mobile and online banking solutions, as well as brokerage and annuity services. The company was founded in 1926 and is headquartered in Stuart, Florida.
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