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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
10/27/2026: SBCF (1-star) is currently NOT-A-BUY. Pass it for now.
Seacoast Banking Corporation of Florida is a regional bank holding company focused on serving the rapidly growing Florida market. The bank's strength lies in its ability to combine traditional community banking relationships with a scalable digital platform, allowing it to compete effectively for deposits and loans. Its primary growth story revolves around capitalizing on Florida's population and economic expansion through both organic growth and strategic acquisitions. Key risks include geographic concentration in Florida, sensitivity to interest rate cycles, and the execution of its integration strategy. Seacoast may appeal to income-oriented and value-focused investors who monitor the bank's ability to maintain credit quality and manage operational costs.
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 tied to regional economic cycles and M&A, which can be cyclical. |
| Momentum investor | Mixed fit | Momentum is often conditional on broader financial sector performance and interest rate sentiment. |
| Value investor | Strong fit | Regional banks often trade at valuation multiples that can appeal to value-oriented investors seeking earnings stability. |
| Dividend investor | Strong fit | The company maintains a history of regular dividend payments relevant to income-focused portfolios. |
| Low-risk investor | Mixed fit | As a regional bank, it is subject to economic and interest rate volatility inherent to the banking sector. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Bank stocks are sensitive to interest rate expectations and economic outlooks. |
| Valuation risk | Medium | Market pricing can fluctuate based on perceived credit quality and interest margin outlooks. |
| Competition risk (Banking competition) | High | Competition from large national players and agile fintech firms puts pressure on margins. |
| Business quality | Medium | Quality is supported by a stable Florida footprint but requires disciplined credit management. |
| Dividend income | Medium | Payouts are stable but can be adjusted based on capital requirements and earnings performance. |
| Execution risk | Medium | Integration of past acquisitions remains a key factor in long-term efficiency and profitability. |
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 10/27/2026 |
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 3.26B USD | Price to earnings Ratio 21.58 | 1Y Target Price 36.71 |
Price to earnings Ratio 21.58 | 1Y Target Price 36.71 | ||
Volume (30-day avg) 898.4K shares | Beta 0.91 | 52 Weeks Range 28.34 - 36.07 | Updated Date 10/27/2026 |
52 Weeks Range 28.34 - 36.07 | Updated Date 10/27/2026 | ||
Dividends yield (FY) 2.23% | Basic EPS (TTM) 1.56 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans (commercial, consumer, mortgage) minus interest paid on deposits. | The bank makes the most money on the spread between loan interest rates and what they pay depositors. |
| Non-Interest Income | Service fees, wealth management fees, and mortgage banking income. | This represents recurring fee income, which provides a steadier stream of revenue compared to loan interest. |
| Geography (Florida) | Concentrated operations across Florida's major economic centers. | The bank's health is directly tied to the economic growth and housing market of Florida. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-27 | When After Market | Estimate 0.65 | Actual - |
Profitability
Profit Margin 23.77% | Operating Margin (TTM) 48.82% |
Management Effectiveness
Return on Assets (TTM) 0.87% | Return on Equity (TTM) 6.07% |
Valuation
Trailing PE 21.58 | Forward PE 16.92 | Enterprise Value 4.43B | Price to Sales(TTM) 4.78 |
Enterprise Value 4.43B | Price to Sales(TTM) 4.78 | ||
Enterprise Value to Revenue 6.2 | 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 93.74 |
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.
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