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Upturn AI SWOT - About
SBCF 
Seacoast Banking Corporation of Florida (SBCF)
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Upturn Advisory Summary
08/28/2025: 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 $30.88
1 Year Target Price $30.88
| 0 | Strong Buy |
| 2 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 2.76% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.73B USD | Price to earnings Ratio 19.09 | 1Y Target Price 30.88 |
Price to earnings Ratio 19.09 | 1Y Target Price 30.88 | ||
Volume (30-day avg) 6 | Beta 0.99 | 52 Weeks Range 21.21 - 31.36 | Updated Date 08/29/2025 |
52 Weeks Range 21.21 - 31.36 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.32% | Basic EPS (TTM) 1.63 |
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 19.09 | Forward PE 16.92 | Enterprise Value 3374211584 | Price to Sales(TTM) 5.14 |
Enterprise Value 3374211584 | Price to Sales(TTM) 5.14 | ||
Enterprise Value to Revenue 6.38 | Enterprise Value to EBITDA - | Shares Outstanding 87854704 | Shares Floating 79521052 |
Shares Outstanding 87854704 | Shares Floating 79521052 | ||
Percent Insiders 1.39 | Percent Institutions 89.5 |
Upturn AI SWOT
Seacoast Banking Corporation of Florida
Company Overview
History and Background
Seacoast Banking Corporation of Florida was founded in 1926. Initially serving the Treasure Coast region, it has grown through organic expansion and acquisitions to become one of Florida's largest community banks.
Core Business Areas
- Community Banking: Provides a range of deposit, lending, and treasury management services to individuals, small businesses, and commercial clients.
- Wealth Management: Offers financial planning, investment management, and trust services to high-net-worth individuals and families.
- Commercial Banking: Provides commercial real estate lending, equipment financing, and other credit services to larger businesses.
Leadership and Structure
Seacoast Banking Corporation of Florida is led by a board of directors and an executive management team. The company operates through a network of community banking branches and offices throughout Florida. The CEO is Charles M. Shaffer.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Finances the acquisition, development, and refinancing of commercial properties. Seacoast has a significant market share in CRE lending within its Florida footprint. Competitors include regional and national banks like Truist (TFC) and Bank of America (BAC).
- Small Business Loans: Offers a variety of loan products to small businesses, including term loans, lines of credit, and SBA loans. Competitors include other community banks and online lenders like Live Oak Bancshares (LOB).
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. This product underpins the company's other offerings. Competitors include any other bank offering deposit accounts.
Market Dynamics
Industry Overview
The banking industry is facing increased competition from fintech companies and online lenders, as well as regulatory pressures and economic uncertainty. The industry's profitability is highly correlated to interest rates and the broader economy.
Positioning
Seacoast Banking Corporation of Florida positions itself as a relationship-focused community bank, emphasizing personalized service and local expertise. Its focus on Florida provides a geographic advantage.
Total Addressable Market (TAM)
The TAM for banking services in Florida is substantial, estimated to be in the hundreds of billions of dollars. Seacoast is well-positioned to capture a larger share of this market with its strong regional presence and growth strategy.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Florida
- Experienced management team
- Solid financial performance
- Relationship-focused banking model
- Well-diversified loan portfolio
Weaknesses
- Geographic concentration in Florida
- Susceptible to economic downturns in Florida
- Limited international presence
- Smaller scale compared to national banks
Opportunities
- Further expansion within Florida
- Acquisition of other community banks
- Growth in wealth management services
- Increased adoption of digital banking solutions
- Capitalize on disruption from Fintechs through partnership or acquisition.
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic recession
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- TFC
- BAC
- PNC
- KEY
- FITB
Competitive Landscape
Seacoast's advantages include its local focus, strong relationships with customers, and experienced management team. Disadvantages include its smaller scale compared to national banks and geographic concentration.
Major Acquisitions
Professional Bank
- Year: 2022
- Acquisition Price (USD millions): 488
- Strategic Rationale: Expansion of South Florida presence and addition of commercial banking expertise.
Legacy Bank of Florida
- Year: 2023
- Acquisition Price (USD millions): 63.7
- Strategic Rationale: Further expansion of central and southwest Florida franchise.
Growth Trajectory and Initiatives
Historical Growth: Seacoast has experienced strong growth over the past decade, both organically and through acquisitions.
Future Projections: Analysts project continued growth for Seacoast, driven by its expansion strategy and favorable economic conditions in Florida.
Recent Initiatives: Recent strategic initiatives include the acquisition of other banks, the expansion of its digital banking platform, and investments in technology.
Summary
Seacoast Banking Corporation of Florida is a strong regional bank with a solid track record of growth and profitability. Its focus on the Florida market provides a geographic advantage, but it is also a vulnerability. The company should continue to invest in technology and expand its product offerings to compete effectively with larger banks and fintech companies. Acquisitions seem to be important to the companies growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Earnings call transcripts
- Analyst reports
- Third-party financial data providers
- FDIC Data
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share data is an estimate based on available information and may not be precise.
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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