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SBCF
Upturn stock ratingUpturn stock rating

Seacoast Banking Corporation of Florida (SBCF)

Upturn stock ratingUpturn stock rating
$27.48
Last Close (24-hour delay)
Profit since last BUY6.97%
upturn advisory
Consider higher Upturn Star rating
BUY since 30 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/27/2025: SBCF (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

6 Analysts rated it

Moderately tracked stock, growing coverage, gaining market and investor attention.

1 Year Target Price $28.83

1 Year Target Price $28.83

Analysts Price Target For last 52 week
$28.83Target price
Low$21.21
Current$27.48
high$31.04

Analysis of Past Performance

Type Stock
Historic Profit -8.82%
Avg. Invested days 24
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/27/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 2.37B USD
Price to earnings Ratio 18.66
1Y Target Price 28.83
Price to earnings Ratio 18.66
1Y Target Price 28.83
Volume (30-day avg) 6
Beta 0.94
52 Weeks Range 21.21 - 31.04
Updated Date 07/1/2025
52 Weeks Range 21.21 - 31.04
Updated Date 07/1/2025
Dividends yield (FY) 2.62%
Basic EPS (TTM) 1.48

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 24.97%
Operating Margin (TTM) 37.77%

Management Effectiveness

Return on Assets (TTM) 0.83%
Return on Equity (TTM) 5.82%

Valuation

Trailing PE 18.66
Forward PE 16.92
Enterprise Value 2609398528
Price to Sales(TTM) 4.69
Enterprise Value 2609398528
Price to Sales(TTM) 4.69
Enterprise Value to Revenue 5.55
Enterprise Value to EBITDA -
Shares Outstanding 85985400
Shares Floating 77953912
Shares Outstanding 85985400
Shares Floating 77953912
Percent Insiders 1.4
Percent Institutions 88.34

Analyst Ratings

Rating 3
Target Price 28.83
Buy 2
Strong Buy -
Buy 2
Strong Buy -
Hold 4
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Seacoast Banking Corporation of Florida

stock logo

Company Overview

overview logo History and Background

Seacoast Banking Corporation of Florida, founded in 1926, is a bank holding company headquartered in Stuart, Florida. Initially serving local communities, it has grown through organic expansion and strategic acquisitions to become one of Florida's largest community banks.

business area logo Core Business Areas

  • Commercial Banking: Provides a range of commercial lending, deposit, and treasury management services to businesses of various sizes.
  • Retail Banking: Offers personal banking services including checking and savings accounts, mortgages, consumer loans, and wealth management.
  • Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.

leadership logo Leadership and Structure

The company is led by Chairman and CEO Dennis S. Hudson III. The organizational structure consists of various departments reporting to executive leadership, including retail banking, commercial banking, and operations.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Seacoast provides loans to businesses for various purposes including real estate, equipment, and working capital. Market share data is difficult to isolate, but competition includes major national and regional banks like Bank of America (BAC) and Truist Financial (TFC) as well as smaller community banks.
  • Mortgages: Offers residential mortgage loans to consumers. Market share depends on location. Competitors include Wells Fargo (WFC) and Rocket Mortgage (RKT) among others.
  • Deposit Accounts: Seacoast offers checking, savings, and money market accounts to both consumers and businesses. Market share data is difficult to isolate, but competition includes major national and regional banks like Bank of America (BAC) and Truist Financial (TFC) as well as smaller community banks.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently navigating a challenging environment with rising interest rates, increased regulatory scrutiny, and evolving customer expectations driven by technology. Consolidation is a continuing trend.

Positioning

Seacoast positions itself as a relationship-focused community bank with a strong presence in Florida. Its competitive advantages include local market knowledge, personalized service, and a strong capital base.

Total Addressable Market (TAM)

The TAM for banking services in Florida is estimated to be several hundred billion dollars. Seacoast is well-positioned to capture a portion of this market through its branch network and digital capabilities. It's regional-focused strategy gives it a strong TAM capture.

Upturn SWOT Analysis

Strengths

  • Strong capital base
  • Experienced management team
  • Established presence in Florida
  • Relationship-focused approach
  • Strong credit quality

Weaknesses

  • Limited geographic diversification
  • Reliance on the Florida economy
  • Smaller scale compared to larger national banks
  • Exposure to interest rate risk

Opportunities

  • Further expansion within Florida
  • Strategic acquisitions of smaller banks
  • Increased adoption of digital banking technologies
  • Growth in wealth management services
  • Capitalize on Florida's strong population growth

Threats

  • Increased competition from larger banks and fintech companies
  • Economic downturn in Florida
  • Rising interest rates
  • Increased regulatory burden
  • Cybersecurity risks

Competitors and Market Share

competitor logo Key Competitors

  • TFC
  • CMA
  • FHN
  • FFWM
  • OZK

Competitive Landscape

Seacoast competes with larger regional and national banks, as well as smaller community banks. It differentiates itself through its focus on relationship banking and local market expertise.

Major Acquisitions

Professional Bank

  • Year: 2022
  • Acquisition Price (USD millions): 488
  • Strategic Rationale: Expanded presence in the South Florida market and enhanced commercial banking capabilities.

VeroBank

  • Year: 2020
  • Acquisition Price (USD millions): 75
  • Strategic Rationale: Strengthened presence in the Indian River County market.

Growth Trajectory and Initiatives

Historical Growth: Seacoast has experienced steady growth in assets, loans, and deposits over the past several years, driven by organic expansion and acquisitions.

Future Projections: Analysts project continued growth in earnings and assets, driven by Florida's strong economy and Seacoast's strategic initiatives.

Recent Initiatives: Recent initiatives include expanding its branch network in high-growth markets, investing in digital banking technologies, and acquiring smaller community banks.

Summary

Seacoast Banking Corporation of Florida is a well-established community bank with a strong presence in Florida. Its strengths include a solid capital base and experienced management, but it faces challenges from larger competitors and reliance on the Florida economy. Strategic acquisitions and digital investments are key to future growth, and the bank must carefully manage interest rate risk and cybersecurity threats.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • SEC Filings
  • Company Investor Relations
  • Analyst Reports
  • Market Data Providers

Disclaimers:

This analysis is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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 1518
Full time employees 1518

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.