Obermatt

Seacoast Banking

NSQ:SBCF · US8117078019
BanksSmall

360

48
Profit price13
Cash yield45
Price/Sales28
EV / Gross Profit38
Price/Book64
Returns on capital41
Profit margins
Cash Conversion81
Accruals65
Owner Earnings Margin72
Sales growth98
Profit Growth80
Owner Earnings Growth47
Reinvestment8
Price momentum33
Debt load28
Debt serviceability53
Liquidity81
Analyst ratings10
Opinion Changes50
Price Target Upside79
Market mood58
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Seacoast Banking clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1983
Employees1,367
ISINUS8117078019
Last UpdateApr 2, 2026
Themes
BankingFinancial ServicesLending

Description

Seacoast Banking Corporation of Florida (‘Seacoast’) operates as a financial holding company for Seacoast National Bank (‘Seacoast Bank’) that provides brokerage and annuity services through an affiliation with a third party broker/dealer, LPL Financ…

Analysis

Hope premium

Seacoast Banking Corporation of Florida is priced well ahead of what the underlying numbers justify, a pattern we describe as a hope premium.

On valuation, the picture is attractive. The owner-earnings multiple stands at 14.4×; owner earnings: the cash an owner could take out each year.

Growth is solid; the safety picture is adequate. The company scores 13/20 on our value-creation score: creating some value.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
61
2023202420252026

All-time high

81

Feb 2026

All-time low

11

Jan 2023

Average rank

48

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
28
14
13
7
Price/Earnings
48
5
3
7
Price/Book
64
47
34
13
Dividend Yield
45
36
32
29
Value (overall)
39
11
8
3

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →