Seacoast Banking Corporation of Florida

Seacoast Banking Corporation of Florida

SBCFยทNASDAQ

$29.30

-1.4%
Financial ServicesBanks - Regional

Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides financial services to retail and commercial customers in Florida. It offers commercial and retail banking, wealth management, and mortgage services; and brokerage and annuity services. The company offers noninterest and interest-bearing demand deposit, money market, savings, and customer sweep accounts; time certificates of deposit; construction and land development, commercial and residential real estate, and commercial and financial loans; and consumer loans, including installment loans and revolving lines, as well as loans for automobiles, boats, and personal or family purposes. As of December 31, 2021, it had 54 branch and commercial lending offices. The company was founded in 1926 and is headquartered in Stuart, Florida.

At a Glance

Live Snapshot
Market Cap$2.85B
EPS1.6200
P/E Ratio18.09
Earnings Date07/23/2026
Seacoast Banking Corporation of Florida

Seacoast Banking Corporation of Florida Fair Value Envelope

SBCF ยท NASDAQ

Our analysis suggests that SBCF has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $29.3, this represents a potential HIDDEN relative to our calculated worth for Seacoast Banking Corporation of Florida.

Intrinsic Value
Current Price: $29.3

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$3.1B
+ Cash & Equivalents$181.4M
Firm Value$3.3B
- Debt$1.3B
Equity Value$1.9B
/ Shares Outstanding85,176,154B
DCF Value$23
OVERVALUED BY 22%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$191.3M
$194.6M
$197.9M
$201.3M
$204.8M
$208.3M
$211.9M
$215.5M
$219.2M
$223.0M
Maintenance CapEx
-$1.9M
-$1.9M
-$1.9M
-$2.0M
-$2.0M
-$2.0M
-$2.1M
-$2.1M
-$2.1M
-$2.2M
Owner Earnings
$189.4M
$192.7M
$196.0M
$199.3M
$202.8M
$206.2M
$209.8M
$213.4M
$217.1M
$220.8M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$175.4M
$165.2M
$155.6M
$146.5M
$138.0M
$130.0M
$122.4M
$115.3M
$108.6M
$102.3M
Terminal Value represents 56.1% of Enterprise Value