Stocks · Financial Services · Banks - Regional
Seacoast Banking Corporation of Florida SBCF
$32.68 +1.62% Close, Oct 2, 2026 · NASDAQ · Market cap $3.18B
Next earnings report: Oct 26, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 13.8% in a year.
- The shares trade at 21.1× trailing earnings, higher than 90% of the company's own readings over the past five years.
- Net debt is 4.4× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 31%
- EPS growth (TTM, YoY)Bottom 26%
- FCF growth (TTM, YoY)Bottom 39%
- Revenue growth, 3-year CAGRTop 20%
- Revenue growth accelerationTop 27%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 14%
- Gross marginBottom 49%
- Operating marginBottom 44%
- Cash conversion (OCF / net income)Top 37%
- Accruals (lower is better)Bottom 49%
- Net debt / EBITDA (lower is better)Bottom 29%
- Interest coverBottom 32%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 40%
- Free-cash-flow yieldBottom 42%
- EBITDA / enterprise valueBottom 47%
- Sales / enterprise valueBottom 29%
- P/E vs own 5-year history (lower is better)Bottom 14%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 47%
- 6-month returnTop 46%
- 1-year return vs S&P 500Top 46%
- Distance from 52-week highTop 48%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 36%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyBottom 45%
- Upside to consensus price targetBottom 30%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 42%
- Maximum drawdown, 3 yearsTop 50%
- Beta vs S&P 500 (lower is better)Bottom 28%
- Net debt / EBITDA (lower is better)Bottom 29%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 11.4% | 13.8% | ↑ |
| EPS growth (YoY) | 0.7% | -4.9% | ↓ |
| Gross margin | 63.6% | 64.4% | ↑ |
| Operating margin | 21.4% | 18.9% | ↓ |
| FCF margin | 23.5% | 21.8% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 13.8% | 11.4% | ↑ | Top 31% |
| EPS growth (TTM, YoY) | -4.9% | 0.7% | ↓ | Bottom 26% |
| Gross margin | 64.4% | 63.6% | ↑ | Bottom 49% |
| Operating margin | 18.9% | 21.4% | ↓ | Bottom 44% |
| Net margin | 17.1% | 16.6% | ↑ | — |
| Free-cash-flow margin | 21.8% | 23.5% | ↓ | — |
| Return on invested capital | -1.4% | — | Bottom 14% | |
| Revenue growth, 3-year CAGR | 24.9% | — | Top 20% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.35×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 2.0%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 4.37×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.47%
- Net buyback yield (TTM)
- 1.05%
- Shareholder yield
- 3.52%
- Share count change, 1 year
- +13.8%
- Share count change, 3-year CAGR
- +4.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 4, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +2.0%
- Average 2-day reaction, last 8
- +0.7%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $35.50
- Target vs current price
- +8.6%
- Analysts with a rating
- 16
- Share rating Buy or Strong Buy
- 44%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | +1.3% | +1.2% | +5.0% | +3.2% | — |
| Apr 28, 2026 | +6.9% | +0.3% | -2.2% | -3.1% | +4.5% |
| Jan 29, 2026 | -13.7% | +1.7% | +2.8% | -2.0% | -6.9% |
| Oct 27, 2025 | +13.5% | -0.1% | -3.6% | -2.8% | +10.6% |
| Jul 24, 2025 | +23.8% | -0.4% | -2.5% | +1.9% | -0.4% |
| Apr 24, 2025 | -5.0% | +0.8% | +0.1% | +4.3% | +22.6% |
| Jan 27, 2025 | +60.0% | +1.8% | +6.4% | +4.4% | -13.1% |
| Oct 24, 2024 | +0.0% | +0.6% | +1.6% | +8.8% | -0.5% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $0.61 | $0.60 | +1.3% | $210.0M |
| Apr 28, 2026 | $0.62 | $0.58 | +6.9% | $205.1M |
| Jan 29, 2026 | $0.44 | $0.51 | -13.7% | $204.8M |
| Oct 27, 2025 | $0.52 | $0.46 | +13.5% | $157.3M |
| Jul 24, 2025 | $0.52 | $0.42 | +23.8% | $151.4M |
| Apr 24, 2025 | $0.38 | $0.40 | -5.0% | $140.7M |
| Jan 27, 2025 | $0.48 | $0.30 | +60.0% | $132.9M |
| Oct 24, 2024 | $0.36 | $0.36 | +0.0% | $130.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 21.1× | 18.0× | 90th | Bottom 40% |
| P/E (forward) | 12.8× | — | — | — |
| EV / EBITDA | 16.7× | — | — | Bottom 47% |
| EV / Sales | 4.53× | — | — | Bottom 29% |
| Free-cash-flow yield | 6.51% | — | — | Bottom 42% |
| Earnings yield | 4.74% | — | — | Bottom 40% |
P/E over the past five years
Range 13.2× – 22.8× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +7.1%
- Earnings per share growth (TTM)
- -4.9%
- Change in P/E multiple
- +34.9%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 1
- 50-day average slope (20 days)
- +0.2%
- 200-day average slope (20 days)
- +0.6%
- Distance from 50-day average
- -4.2%
- Distance from 200-day average
- +0.7%
- RSI (14)
- 43.0
- Relative volume
- 1.05×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.1%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.90
- Correlation with S&P 500
- 0.50
- Current drawdown from 1-year high
- -9.5%
- Maximum drawdown, 3 years
- -28.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 12, 2021 | May 4, 2023 | -53.3% | 540 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $3.18B
- P/E (TTM)
- 21.1
- EPS, diluted (TTM)
- $1.55
- Revenue (TTM)
- $950.5M
- Dividend yield
- 2.33%
- 52-week range
- $28.58 – $36.27
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $355.0M | $446.6M | $768.1M | $809.0M | $869.5M |
| Gross profit | $356.0M | $404.9M | $528.6M | $498.1M | $535.4M |
| Operating income | $158.7M | $138.1M | $134.3M | $155.8M | $186.5M |
| Net income | $124.4M | $106.5M | $104.0M | $121.0M | $144.9M |
| EPS (diluted) | $2.18 | $1.66 | $1.23 | $1.42 | $1.58 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $207.8M | $203.0M | $206.4M | $217.9M | $226.5M | $247.6M | $220.8M | $255.6M |
| Net income | $30.7M | $34.1M | $31.5M | $42.7M | $36.5M | $34.3M | $31.9M | $59.5M |
| EPS (diluted) | $0.36 | $0.40 | $0.37 | $0.50 | $0.42 | $0.29 | $0.29 | $0.55 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $154.6M | $195.9M | $150.6M | $179.9M | $188.1M |
| Capital expenditure | -$4.3M | -$12.6M | -$10.3M | -$4.0M | -$9.2M |
| Free cash flow | $150.2M | $183.2M | $140.3M | $175.9M | $178.9M |
| Dividends paid | -$22.5M | -$41.2M | -$60.6M | -$61.6M | -$67.7M |
| Net share buybacks | $0 | $0 | -$10.9M | -$880,000 | -$1.4M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $5.37B
- Total assets
- $21.36B
- Total liabilities
- $18.29B
- Total debt
- $1.32B
- Net debt
- $1.13B
- Shareholders’ equity
- $3.07B
As of Jun 30, 2026 (filed Aug 4, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 15, 2026 | $0.19 | Sep 30, 2026 |
| Jun 15, 2026 | $0.19 | Jun 30, 2026 |
| Mar 13, 2026 | $0.19 | Mar 31, 2026 |
| Dec 15, 2025 | $0.19 | Dec 31, 2025 |
| Sep 15, 2025 | $0.18 | Sep 30, 2025 |
| Jun 13, 2025 | $0.18 | Jun 30, 2025 |
| Mar 14, 2025 | $0.18 | Mar 31, 2025 |
| Dec 13, 2024 | $0.18 | Dec 31, 2024 |
Short interest
- Shares sold short
- 5,186,407
- Days to cover
- 7.23
- Change vs previous report
- +9.7%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Dec 13, 2013
- 1-for-5
- Jul 30, 2003
- 11-for-10
- Jul 16, 2002
- 3-for-1
- Oct 18, 1988
- 3-for-2