Seacoast Banking Corporation of Florida
$30.20
-1.4%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 SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is mid-range (P/E 19.1).
Valuation inputs: P/E 19.1, earnings yield +5.2%, momentum -1.4%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE +4.7%, ROIC -2.3%).
Profitability stack: net margin +16.7%, ROE +4.7%, ROIC -2.3%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceRisk profile is balanced but has notable pressure points to monitor.
Risk factors: liabilities/assets +85.3%, momentum -1.4%, net margin +16.7%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
Seacoast Banking Corporation of Florida Market vs Earnings Trajectory
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Seacoast Banking Corporation of Florida Fair Value Envelope
Seacoast Banking Corporation of Florida Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
Seacoast Banking Corporation of Florida Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Flat FCF growth. Stable but not expanding—monitor for signs of business maturity or temporary headwinds.
Working Capital Impact
Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Seacoast Banking Corporation of Florida Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
Financial Health Insight
Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.
Seacoast Banking Corporation of Florida Street Expectations Map
Wall Street analysts project that SBCF stock may experience modest gains over the coming 12 months. The consensus 1-year price target stands at 32.50, with estimates ranging from a low of 32.50 to a high of 32.50.
The consensus 1-year price target stands at 32.50, with estimates ranging from a low of 32.50 to a high of 32.50.
Analyst Consensus Analysis
Upside Potential
Moderate upside. Analysts expect positive returns but with limited margin of safety. Consider entry timing.
Analyst Agreement
High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.
Analyst Conviction
Positive outlook with reasonable agreement. Analysts generally optimistic about prospects with manageable uncertainty.
Market Sentiment Insight
Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.
Seacoast Banking Corporation of Florida Insider Positioning
During the last 12 months, insiders have purchased $155K and sold $2.12M worth of SBCF shares, resulting in $1.97M of net selling activity.
3 Months
0
0.00
25.9K
795.77K
-796K
-$796K
3-6 Months
4.7K
155.25K
29.8K
976.84K
-822K
-$822K
6-9 Months
0
0.00
11.2K
349.21K
-349K
-$349K
9-12 Months
0
0.00
72
2.11K
-2K
-$2K
Top Buyers
Shearouse Joseph B Iii
Director
$155K
Top Sellers
Hudson Dennis S Iii
Director
$740K
Forlenza Joseph M
Officer: Evp & Cro
$416K
Stallings James C Iii
Officer: Evp, Chief Credit Officer
$335K
Shaffer Charles M
Director, Officer: Chairman, President & Ceo
$320K
Goebel Maryann
Director
$117K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $1.97M net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.
Recent Trend (3 Months)
Heavy recent selling activity. Recent insider sales notably exceed purchases—may warrant investigation into company developments.
Insider Participation
5 insider sellers vs. 1 buyers. Widespread selling across multiple insiders may signal concerns.
Insider Activity Insight
Multiple red flags: Heavy selling, numerous sellers, and continued recent selling create a concerning pattern. Investigate fundamental drivers and consider whether company guidance or industry conditions have deteriorated.
sbcf Dividend History
Learning Layer
Related Guides
Build conviction on SBCF by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.