Is Seacoast Banking (SBCF) overvalued or fairly valued?

MarketChacha shows Seacoast Banking's valuation in context — a trailing P/E of about 19.7, a forward P/E of about 12.5, a price-to-book of about 1.2 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Seacoast Banking's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.40×) from reported figures — education, not a rating.

What is the share price of Seacoast Banking (SBCF)?

Seacoast Banking last traded at $34.60 (+0.6% on the day), as of 9/4/2026 — a delayed quote shown for education, not investment advice.

Seacoast Banking

SBCF · NYSE · Financials · United States

Snapshot

TickerSBCF

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees1,964

HeadquartersStuart, United States

Websitewww.seacoastbanking.com

Filings tracked19

About Seacoast Banking

Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides integrated financial services to retail and commercial customers in Florida. The company offers noninterest and interest-bearing demand deposits, money market, savings, and customer sweep accounts; time deposits; construction and land development, commercial and residential real estate, and commercial and financial loans; and consumer loans, including installment and revolving lines, as well as loans for automobiles, boats, and personal and family purposes. It also provides wealth management, mortgage, and insurance services through mobile and online banking solutions, as well as brokerage and annuity services. The company was founded in 1926 and is headquartered in Stuart, Florida.

Who owns it

Insiders1.3%
Institutions94.0%
Public & other4.7%

409 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.44%
State Street Corporation5.73%
North Reef Capital Management LP4.93%
Wellington Management Group, LLP4.63%
Vanguard Capital Management LLC4.50%
Dimensional Fund Advisors LP3.73%
Franklin Resources, Inc.3.36%
Nomura Asset Management International Inc2.93%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

Latest ROE of 5.3% is on the low side — the business earns a modest return on shareholder capital.

Cash conversion1.40×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Return on equity5.3%

Latest ROE of 5.3% is on the low side — the business earns a modest return on shareholder capital.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $219.4M · EPS 0.66

Est. earnings growth +50.9%

Next fiscal year

Rev $905.2M · EPS 2.77

Est. earnings growth +9.5%

Analyst consensus estimates — not the company's own guidance.

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

ROE

5.3%

Profit CAGR (2y)

+18.0%

EPS (FY2025)

1.57

Net profit (FY2025)

$144.9M

Ask MarketChacha about SBCF

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Financials

Yearly

Period	Net profit	EPS	ROE
FY2025	$144.9M	1.57	5.3%
FY2024	$121.0M	1.42	5.5%
FY2023	$104.0M	1.23	4.9%

Quarterly

Period	Net profit	EPS
2026Q2	$59.5M	0.55
2026Q1	$31.9M	0.29
2025Q3	$36.5M	0.42
2025Q2	$42.7M	0.50
2025Q1	$31.5M	0.37
2024Q3	$30.7M	0.36
2024Q2	$30.2M	0.36
2024Q1	$26.0M	0.31
2023Q3	$31.4M	0.37
2023Q2	$31.2M	0.37
2023Q1	$11.8M	0.15

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q filing
SEC8/4/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC7/28/2026material
8-K — Executive/director change
SEC5/29/2026material
8-K — Shareholder vote results, Reg FD disclosure
SEC5/20/2026material
8-K — Reg FD disclosure, Exhibits
SEC5/13/2026material
10-Q filing
SEC5/6/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC4/28/2026material
8-K — Executive/director change, Exhibits
SEC3/26/2026material
10-K filing
SEC2/27/2026
8-K — Reg FD disclosure, Exhibits
SEC2/11/2026material
8-K — Results of operations, Reg FD disclosure, Other events, Exhibits
SEC1/29/2026material

2025

8-K — Other events, Exhibits
SEC12/19/2025material
10-Q filing
SEC11/5/2025
8-K — Reg FD disclosure, Exhibits
SEC11/5/2025material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC10/27/2025material
8-K — Completion of acquisition/disposition, Security holder rights, Bylaw/charter change, Other events, Exhibits
SEC10/6/2025material
8-K — Reg FD disclosure, Exhibits
SEC9/8/2025material
8-K — Other events, Exhibits
SEC9/5/2025material
10-Q filing
SEC8/8/2025

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.