Saturday 17 October 2026
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Seacoast Banking Corporation of Florida
SBCF Financial Banks Regional
Seacoast Banking Corporation of Florida’s revenue for fiscal 2025 (year ended December 2025) was $935.5 million, up 15.6% from fiscal 2024. In the quarter to June 2026, revenue grew 30.1%, EPS grew 10.0%, free cash flow fell 19.2% and total debt rose 15.3%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for ten; insiders bought in the last twelve months.
32.54
0.11
+0.34%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
29.62 | 24.90 | 18.45 | 15.92 | 20.54 | 16.09 | 18.77 | 22.64 | 19.25 | 19.52 |
Piotroski F-Score |
7 | 7 | 5 | 7 | 4 | 6 | 5 | 6 | 5 | 4 |
P/S ratio |
4.47 | 4.24 | 4.28 | 4.54 | 4.52 | 5.64 | 4.53 | 3.06 | 2.87 | 2.96 |
P/FCF ratio |
14.83 | 24.56 | 9.94 | 13.65 | 26.68 | 13.33 | 11.03 | 16.76 | 13.21 | 15.50 |
P/Operating CF |
42.35 | 2,276.96 | 27.89 | 37.06 | 37.19 | 40.21 | 41.67 | 78.72 | 51.62 | 50.88 |
P/B ratio |
1.91 | 1.54 | 1.44 | 1.60 | 1.39 | 1.53 | 1.26 | 1.12 | 1.06 | 1.02 |
Price to Tangible BV |
2.33 | 2.03 | 1.97 | 2.07 | 1.77 | 1.92 | 1.92 | 1.84 | 1.68 | 1.87 |
EV/Sales |
6.49 | 4.88 | 5.40 | 5.28 | 3.56 | 3.77 | 4.59 | 2.68 | 2.71 | 3.55 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
19.44 | 24.96 | 12.15 | 15.55 | 20.48 | 8.65 | 10.47 | 13.65 | 12.20 | 17.65 |
EV/FCF |
21.55 | 28.25 | 12.54 | 15.89 | 21.03 | 8.90 | 11.19 | 14.65 | 12.48 | 18.55 |
Quick Ratio |
0.03 | 0.03 | 0.02 | 0.02 | 0.06 | 0.09 | 0.02 | 0.04 | 0.04 | 0.02 |
Current Ratio |
0.80 | 0.82 | 0.91 | 0.94 | 0.87 | 0.81 | 0.81 | 0.85 | 0.85 | 0.77 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
10.37% | 4.85% | 6.68% | 5.43% | 0.86% | 0.74% | 1.93% | 1.07% | 2.32% | 4.55% |
Debt/Equity |
1.11 | 0.41 | 0.52 | 0.39 | 0.06 | 0.05 | 0.15 | 0.07 | 0.16 | 0.35 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.06 | 0.05 | 0.05 |
Operating CF/Net income |
2.12 | 1.14 | 1.93 | 1.19 | 0.78 | 1.24 | 1.84 | 1.45 | 1.49 | 1.34 |
Capex/Depreciation |
(0.58) | (0.64) | (0.48) | (0.23) | (0.67) | (1.83) | (1.13) | 19.57 | (0.25) | (0.29) |
| 7.40% | 7.62% | 8.66% | 10.68% | 7.35% | 10.19% | 7.30% | 5.60% | 5.64% | 5.73% | |
| 0.71% | 0.82% | 1.07% | 1.43% | 1.01% | 1.38% | 0.98% | 0.78% | 0.81% | 0.78% | |
ROIC |
3.40% | 5.83% | 4.59% | 6.46% | 7.89% | 15.39% | 5.27% | 5.78% | 4.74% | 4.20% |
Return on Tangible Assets |
(4.25%) | (5.32%) | (17.18%) | (33.73%) | (9.03%) | (8.26%) | (5.93%) | (6.24%) | (7.08%) | (3.88%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
70.38% | 60.87% | 58.23% | 47.87% | 62.50% | 51.55% | 63.82% | 48.33% | 41.49% | 43.49% |
Intangible Assets out of Total Assets |
0.02 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.05 | 0.06 | 0.05 | 0.06 |
Share Based Compensation of Revenue |
2.24% | 2.11% | 2.68% | 2.09% | 2.10% | 2.45% | 2.50% | 1.75% | 1.70% | 1.68% |
Graham Net Nets |
(1.52) | (1.12) | (0.76) | (0.52) | (0.70) | (0.88) | (1.14) | (0.89) | (1.00) | (1.90) |
Graham Number |
14.21 | 19.08 | 23.91 | 28.77 | 26.11 | 33.86 | 30.98 | 26.49 | 28.86 | 33.36 |
Earnings Yield |
3.38% | 4.02% | 5.42% | 6.28% | 4.87% | 6.22% | 5.33% | 4.42% | 5.19% | 5.12% |
Free Cash Flow Yield |
6.74% | 4.07% | 10.06% | 7.33% | 3.75% | 7.50% | 9.07% | 5.97% | 7.57% | 6.45% |
Revenue per Share |
5.04 | 5.87 | 6.08 | 6.74 | 6.52 | 6.27 | 7.01 | 9.17 | 9.59 | 10.60 |
Operating CF per Share |
1.68 | 1.15 | 2.70 | 2.29 | 1.13 | 2.73 | 3.07 | 1.80 | 2.13 | 2.13 |
Capex per Share |
(0.16) | (0.13) | (0.08) | (0.05) | (0.03) | (0.08) | (0.20) | (0.12) | (0.05) | (0.10) |
Free Cash Flow per Share |
1.52 | 1.01 | 2.62 | 2.24 | 1.10 | 2.66 | 2.88 | 1.67 | 2.08 | 2.03 |
Cash per Share |
2.97 | 2.86 | 2.59 | 2.49 | 7.57 | 13.04 | 3.22 | 5.41 | 5.69 | 4.56 |
Shareholders Equity per Share |
11.81 | 16.18 | 18.02 | 19.16 | 21.13 | 23.16 | 25.24 | 25.16 | 25.88 | 30.73 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
11.81 | 16.18 | 18.02 | 19.16 | 21.13 | 23.16 | 25.24 | 25.16 | 25.88 | 30.73 |
Free Cash Flow |
55.95 | 43.20 | 125.59 | 115.22 | 59.07 | 150.25 | 183.21 | 140.32 | 175.87 | 178.89 |
Working Capital |
(746.33) | (872.20) | (462.70) | (359.32) | (935.83) | (1,577.92) | (1,914.46) | (1,780.07) | (1,815.51) | (3,776.90) |
Capital Expenditures |
(6.05) | (5.71) | (4.02) | (2.52) | (1.59) | (4.33) | (12.64) | (10.29) | (4.03) | (9.17) |
Net Current Asset Value |
(1,264.42) | (1,183.85) | (954.53) | (811.32) | (1,095.65) | (1,759.46) | (2,298.83) | (2,100.72) | (2,334.08) | (5,261.22) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.03 | 0.02 | 0.01 | 0.01 | 0.00 | 0.01 | 0.03 | 0.01 | 0.01 | 0.01 |
Price to Operating Income |
18.82 | 13.40 | 14.26 | 12.23 | 15.67 | 12.62 | 14.63 | 14.05 | 14.90 | 12.67 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.18 | 0.13 | 0.12 | 0.17 | 0.03 | 0.03 | 0.10 | 0.00 | 0.15 | 0.20 |
Cash ROIC |
5.43% | 3.95% | 8.73% | 7.68% | 3.68% | 7.09% | 8.95% | 5.16% | 5.83% | 4.40% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.02 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
151,881.94 | 109,564.89 | 63,236.38 | 44,117.19 | 104,165.35 | 358,275.94 | 254,206.12 | 21,414.20 | 15,220.26 | 20,974.22 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
3,183.82 | 4,057.98 | 4,884.98 | 5,381.00 | 6,258.66 | 7,500.08 | 9,024.59 | 10,879.26 | 12,009.68 | 14,249.39 |
Average Assets |
4,107.86 | 5,245.53 | 6,278.89 | 6,928.09 | 7,725.45 | 9,011.91 | 10,913.60 | 13,363.01 | 14,878.28 | 18,009.32 |
Average Common Equity |
394.43 | 562.53 | 776.97 | 924.95 | 1,058.02 | 1,220.57 | 1,459.26 | 1,857.93 | 2,145.66 | 2,447.95 |
Columns are period end dates