Seacoast Banking Corporation of Florida Common Stock (SBCF)

FairStock Score: 39/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a regional bank first as a conservative lender: deposits, loans, credit, and what it earns on equity. Seacoast is a Florida-focused bank holding company for Seacoast National Bank. The profit record is real. Filed net income rose from $104.0M in fiscal 2023 to $121.0M in fiscal 2024 to $144.9M in fiscal 2025, and diluted EPS went from $1.23 to $1.42 to $1.57. In the quarter ended 2026-06-30, net income was $59.5M and diluted EPS $0.55, versus $42.7M and $0.50 in the quarter ended 2025-06-30. But profitability is only modest: FairStock calculates ROE of 6.07% and ROCE of 0.87%. For a bank, that is not a high return on shareholder capital. At the 2026-10-13 close of $31.62, the shares trade at 1.11 times book and 20.40 times earnings. A 1.11 P/B is not demanding, but a 20.40 P/E and a PEG of 40.00 look full when profit growth has been uneven and the FairStock Score is 39/100. The 2.40% dividend yield and beta of 0.91 offer some comfort. Peter Lynch's computed category is STALWART, based on 13.3% annual profit growth over five years, which fits a steady but unspectacular bank. The missing pieces are critical: CET1 capital, net interest margin, charge-offs, nonperforming loans, reserve coverage, and efficiency ratio are not in the data. Without those, I cannot judge underwriting risk or balance-sheet strength. My conclusion is that this is a fair-to-full priced regional bank, not an obvious bargain.

In plain English: Seacoast Banking is a Florida bank that takes deposits and makes loans to people and businesses. Its profits have grown over the past few years, but it does not earn a lot on each dollar of shareholder money, and banks always carry credit risk. At the recent price, the shares look around fair value rather than a clear bargain.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer