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Upturn AI SWOT - About
SBCF 
Seacoast Banking Corporation of Florida (SBCF)
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Upturn Advisory Summary
10/14/2025: SBCF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $31.71
1 Year Target Price $31.71
| 0 | Strong Buy |
| 2 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.51% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.09B USD | Price to earnings Ratio 18.71 | 1Y Target Price 31.71 |
Price to earnings Ratio 18.71 | 1Y Target Price 31.71 | ||
Volume (30-day avg) 6 | Beta 0.95 | 52 Weeks Range 21.09 - 32.33 | Updated Date 10/14/2025 |
52 Weeks Range 21.09 - 32.33 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 2.36% | Basic EPS (TTM) 1.69 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.12% | Operating Margin (TTM) 45.1% |
Management Effectiveness
Return on Assets (TTM) 0.9% | Return on Equity (TTM) 6.31% |
Valuation
Trailing PE 18.71 | Forward PE 16.92 | Enterprise Value 3418469376 | Price to Sales(TTM) 5.81 |
Enterprise Value 3418469376 | Price to Sales(TTM) 5.81 | ||
Enterprise Value to Revenue 6.3 | Enterprise Value to EBITDA - | Shares Outstanding 97771663 | Shares Floating 79521052 |
Shares Outstanding 97771663 | Shares Floating 79521052 | ||
Percent Insiders 1.39 | Percent Institutions 89.52 |
Upturn AI SWOT
Seacoast Banking Corporation of Florida
Company Overview
History and Background
Seacoast Banking Corporation of Florida was founded in 1926. Initially a community bank, it has grown through organic expansion and strategic acquisitions to become one of Florida's largest community banks.
Core Business Areas
- Commercial Banking: Provides a range of financial services to businesses, including commercial loans, deposit accounts, and cash management services.
- Retail Banking: Offers banking products and services to individuals, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides investment management, trust, and financial planning services to individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team. Key individuals include the CEO, CFO, and other senior executives. The organizational structure is hierarchical with regional management overseeing branch operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes such as equipment financing, working capital, and real estate. Market share data is difficult to pinpoint precisely but is a function of Florida commercial lending market. Competitors include larger national banks and regional players like Truist and Fifth Third Bank.
- Residential Mortgages: Mortgage loans offered to individuals for home purchases. Market share is in line with other regional banks in Florida. Competitors are large national mortgage lenders such as Rocket Mortgage and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for both consumers and businesses. Market share fluctuates in Florida. Competitors are Bank of America, Wells Fargo, and other community banks.
Market Dynamics
Industry Overview
The banking industry is currently facing a changing interest rate environment, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Seacoast Banking Corporation of Florida is positioned as a leading community bank in Florida, focusing on personalized service and local expertise. Its competitive advantage lies in its strong customer relationships and deep understanding of the Florida market.
Total Addressable Market (TAM)
The TAM for banking services in Florida is estimated at billions of dollars annually. Seacoast is positioned to capture a portion of this TAM through organic growth and acquisitions. Exact TAM figures are dependent on the specific banking segment (e.g., commercial loans, retail banking) and overall economic conditions.
Upturn SWOT Analysis
Strengths
- Strong presence in Florida
- Experienced management team
- Focus on customer service
- Healthy balance sheet
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on Florida economy
- Technology infrastructure can be improved
Opportunities
- Acquisitions of other community banks
- Expansion into new markets within Florida
- Increased adoption of digital banking
- Growing wealth management business
Threats
- Economic downturn in Florida
- Increased competition from national banks and fintech companies
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- Trust Financial Corp (TFC)
- Regions Financial Corp (RF)
- First Horizon Corp (FHN)
Competitive Landscape
Seacoast Banking Corporation of Florida competes with larger national banks and other regional banks. Its advantages include local expertise and customer service, while its disadvantages include smaller scale and geographic concentration.
Major Acquisitions
Professional Holding Corp.
- Year: 2022
- Acquisition Price (USD millions): 488
- Strategic Rationale: Expanded Seacoast's presence in the attractive South Florida market and enhanced its commercial banking capabilities.
Vero Bancorp, Inc.
- Year: 2020
- Acquisition Price (USD millions): 149
- Strategic Rationale: Expanded Seacoast's market share in the Indian River County market and added a strong team of local bankers.
Growth Trajectory and Initiatives
Historical Growth: Seacoast Banking Corporation of Florida has experienced growth through organic expansion and acquisitions. Review annual reports for growth rates in loans, deposits, and assets.
Future Projections: Analyst estimates suggest continued growth for Seacoast Banking Corporation of Florida, driven by its presence in Florida and strategic acquisitions. See current analyst reports.
Recent Initiatives: Recent strategic initiatives may include acquisitions of other banks, investments in technology, and expansion into new markets.
Summary
Seacoast Banking Corporation of Florida is a well-positioned regional bank in Florida with a strong focus on community banking. Its growth is driven by acquisitions and organic expansion. Potential threats include economic downturns and increased competition. SBCF should continue to focus on technology and customer satisfaction to maintain a competitive edge.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Analyst Reports
- Industry Research Reports
- FDIC Data
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice and should not be considered a recommendation to buy or sell stock. Market share data is approximate and may vary depending on the source.
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.
About Seacoast Banking Corporation of Florida
Exchange NASDAQ | Headquaters 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 1522 | Website https://www.seacoastbanking.com |
Full time employees 1522 | 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. Seacoast Banking Corporation of Florida was founded in 1926 and is headquartered in Stuart, Florida.
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