Seacoast Banking Corporation of Florida (SBCF) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Seacoast Banking Corporation of Florida stock (SBCF) is currently trading at $29.93. Seacoast Banking Corporation of Florida PE ratio is 18.68. Seacoast Banking Corporation of Florida PS ratio (Price-to-Sales) is 4.80. Analyst consensus price target for SBCF is $36.10. WallStSmart rates SBCF as Moderate Buy.
- SBCF PE ratio analysis and historical PE chart
- SBCF PS ratio (Price-to-Sales) history and trend
- SBCF intrinsic value — DCF, Graham Number, EPV models
- SBCF stock price prediction 2025 2026 2027 2028 2029 2030
- SBCF fair value vs current price
- SBCF insider transactions and insider buying
- Is SBCF undervalued or overvalued?
- Seacoast Banking Corporation of Florida financial analysis — revenue, earnings, cash flow
- SBCF Piotroski F-Score and Altman Z-Score
- SBCF analyst price target and Smart Rating
Seacoast Banking Corporation of Florida
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SBCF Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Seacoast Banking Corporation of Florida (SBCF)
SBCF trades 218% above its Graham fair value of $10.68, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Seacoast Banking Corporation of Florida (SBCF) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity and eps growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Seacoast Banking Corporation of Florida (SBCF) Key Strengths (6)
Keeps $44 of every $100 in revenue after operating costs
Revenue surging 32.40% year-over-year
Keeps $24 of every $100 in revenue as net profit
86.57% of shares held by major funds and institutions
Trading at 1.06x book value, attractively priced
Mid-cap company balancing growth potential with stability
Seacoast Banking Corporation of Florida (SBCF) Areas to Watch (4)
Earnings declining -23.40%, profits shrinking
Low profitability relative to shareholder equity
Premium valuation at 4.8x annual revenue
Growth is fairly priced, not cheap, not expensive
Seacoast Banking Corporation of Florida (SBCF) Detailed Analysis Report
Overall Assessment
This company scores 67/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 3.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, Profit Margin. Valuation metrics including Price/Book (1.06) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 43.80%, Profit Margin at 24.20%. Growth metrics are encouraging with Revenue Growth at 32.40%.
The Bear Case
The primary concerns are EPS Growth, Return on Equity, Price/Sales. Some valuation metrics including PEG Ratio (1.58), Price/Sales (4.80) suggest expensive pricing. Growth concerns include EPS Growth at -23.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 5.53%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 5.53% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 32.40% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Revenue Growth) and negatives (EPS Growth, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SBCF Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SBCF's Price-to-Sales ratio of 4.80x trades 42% below its historical average of 8.22x (38th percentile). The current valuation is 81% below its historical high of 24.84x set in Sep 2006, and 458% above its historical low of 0.86x in Nov 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Seacoast Banking Corporation of Florida (SBCF) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Seacoast Banking Corporation of Florida is a strong growth company balancing expansion with improving profitability. Revenue reached 598M with 32% growth year-over-year. Profit margins are strong at 24.2%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 32% YoY, reaching 598M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 553.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Seacoast Banking Corporation of Florida maintain 32%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 250.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Seacoast Banking Corporation of Florida.
Bottom Line
Seacoast Banking Corporation of Florida offers an attractive blend of growth (32% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Seacoast Banking Corporation of Florida(SBCF)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Seacoast Banking Corporation of Florida is the banking holding company of Seacoast National Bank providing financial services to retail and business clients in Florida. The company is headquartered in Stuart, Florida.