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
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is still in the top half of its industry but slipped notably this past month — worth watching.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 1.9% |
| Our one-year growth estimate | diamond | -5.1% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 7.0 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
SBCF — officer change
Dated 2026-05-29
Director — H. Gilbert Culbreth, Jr.: Mr. Culbreth resigned from the Board of Directors for personal reasons.
Why it matters: A higher net interest margin shows good financial management. This can increase profits.
Supportive ifIn Q2, the net interest margin is over 3.83%. This shows good interest income management.
Worry ifThe net interest margin drops below 3.83%. This points to problems with interest income.
Why it matters: This growth rate shows how well Seacoast is expanding its lending business. A drop below 15% may signal weakening demand or competitive pressures.
Worry ifQ3 organic loan growth was below 15% per year.
Less concerning ifQ3 organic loan growth was at or above 15% per year.
Why it matters: Strong deposit growth shows Seacoast is good at getting and keeping customers.
Supportive ifDeposit growth is over 7% each year in Q2 2026.
Worry ifDeposit growth is below 5% each year in Q2 2026.
Why it matters: Growth in operating income means the company is working more efficiently. This is important for making money in the long run.
Supportive ifOperating income has gone up each year, now over $40.924M.
Worry ifOperating income does not increase or declines year over year.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$105 on $10,000 · ±1.1% | How much price usually moves either way. |
| Bad day | $237 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,626 loss on $10,000 · 16.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Growth in net interest margin helps Seacoast make more money.
Supportive ifNet interest margin grows by more than 10 basis points from Q1 2026.
Worry ifNet interest margin declines or grows by less than 10 basis points from Q1 2026.
Why it matters: A higher efficiency ratio means higher costs compared to revenue. This affects profits.
Worry ifThe efficiency ratio is above 60%.
Less concerning ifThe efficiency ratio gets better and stays below 60%.
Why it matters: A drop in adjusted net income may show problems with revenue and costs.
Worry ifAdjusted net income is below $67.8 million.
Less concerning ifAdjusted net income remains at or above $67.8 million.
Why it matters: A drop below 10% would signal a slowdown in revenue growth. This could impact investor confidence.
Worry ifQ2 revenue growth reported below 10% year over year.
Less concerning ifQ2 revenue growth remains above 10% year over year.
Why it matters: High growth in noninterest expenses can hurt profits. It shows how Seacoast controls costs while growing.
Worry ifNoninterest expenses grow more than 10% year over year in Q3.
Less concerning ifNoninterest expenses grow at or below 10% year over year in Q3.
Why it matters: If deposit growth drops, it may show less customer trust. This can hurt future earnings.
Worry ifQ2 deposit growth is below 7% per year.
Less concerning ifQ2 deposit growth is at or above 7% per year.
Why it matters: A drop in net interest margin can hurt profits. It shows how Seacoast manages income and costs.
Worry ifNet interest margin was below 3.80%.
Less concerning ifNet interest margin reported at or above 3.80%.
Why it matters: The dividend payment shows the company cares about its shareholders. It also shows it is stable.
Supportive ifAnnouncement of a dividend payment equal to or greater than $0.19 per share.
Worry ifNo dividend payment or a decrease in the dividend amount.