Seacoast Banking Corporation of Florida (SBCF)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$34.60+0.64%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · SBCF
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks SBCF against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue to grow loans and deposits organically, supported by investments in talent and market expansion.
Stated as a priority in 3 of last 3 quarters. Organic loan growth was 15% annualized in 2025-Q4 and 16% annualized in 2026-Q2. Organic deposit growth was 7% annualized in 2026-Q1 and 4% annualized in 2026-Q2. Loan pipelines increased from $920.9 million in 2025-Q2 to $1.5 billion in 2026-Q2. The trajectory is delivering consistent growth as management emphasized.
“16% annualized organic loan growth... Total deposits increased 4% on an annualized basis.”
“Organic deposit growth of 7% annualized, including growth in noninterest-bearing deposits of 29% annualized.”
“15% annualized organic loan growth... Expanded branch footprint with new locations.”
Focus on expanding net interest margin through higher yields on loans and securities and disciplined deposit cost management.
Stated as a priority in 3 of last 3 quarters. Net interest margin increased from 3.66% in 2025-Q4 to 3.83% in 2026-Q1 and remained stable at 3.83% in 2026-Q2. Cost of deposits declined from 1.67% in 2026-Q1 to 1.53% in 2026-Q2. Management's focus on margin expansion and deposit cost control is reflected in stable to improving margins.
Finalize the integration and system conversion of the Villages Bancorporation acquisition to realize synergies and growth opportunities.
Stated as a priority in 3 of last 3 quarters. The acquisition of Villages Bancorporation was completed in 2025-Q4, with integration and system conversion expected early in 2026-Q3. Management announced successful completion of the conversion in early July 2026, indicating delivery on this priority.
“Successfully completed the conversion of customers from Citizens First Bank to Seacoast's platforms in early July 2026.”
Focus on controlling noninterest expenses and improving efficiency ratio while supporting growth initiatives.
Stated as a priority in 3 of last 3 quarters. The efficiency ratio improved from 59.47% in 2026-Q1 to 58.52% in 2026-Q2, reflecting disciplined expense control. Noninterest expenses increased modestly but are managed alongside growth investments. The trajectory shows progress in balancing cost control with growth.
Sustain industry-leading capital ratios and robust liquidity to support growth and risk management.
Stated as a priority in 3 of last 3 quarters. Tier 1 capital ratio remained strong, slightly declining from 14.4% in 2025-Q4 to 14.3% in 2026-Q2. Total capital and common equity ratios remained robust, supporting the company's well-capitalized status. Liquidity sources remain ample. The trajectory is stable and consistent with management's stated priority.
Over the trailing year it converted 1.32x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates (low R² over the window).
9 material management or governance events in the past 24 months, led by M&A activity. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.
“Net interest margin stable at 3.83%, excluding accretion expanded 8 bps to 3.65%. Cost of deposits declined to 1.53%.”
“Net interest margin grew 17 basis points quarter over quarter to 3.83%. Cost of deposits declined 13 basis points to 1.54%.”
“Net interest margin increased nine basis points to 3.66%. Cost of deposits declined 14 basis points to 1.67%.”
“The Villages Bancorporation conversion approaching this summer, expected to unlock full earnings power.”
“Completed acquisition of Villages Bancorporation, Inc. on October 1, 2025; full integration and system conversion expected early in third quarter 2026.”
“Efficiency ratio improved to 58.52% in 2Q 2026; focused on disciplined expense control while investing for growth.”
“Efficiency ratio improved to 59.47% in 1Q 2026; keen focus on disciplined expense control while making investments for growth.”
“Well-controlled expenses with an improved efficiency ratio; continued expansion of footprint and growth in customers.”
“Tier 1 capital ratio 14.3%, Total capital ratio 15.7%, Common Equity Tier 1 capital ratio 11.5%, Tier 1 leverage ratio 10.4%.”
“Tier 1 capital ratio 14.6%, Total capital ratio 16.0%, Common Equity Tier 1 capital ratio 11.7%, Tier 1 leverage ratio 10.4%.”
“Tier 1 capital ratio 14.4%, Total capital ratio 15.8%, Common Equity Tier 1 capital ratio 11.5%, Tier 1 leverage ratio 10.1%.”