Seacoast Banking Corporation of Florida (SBCF)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$34.27+2.45%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
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 holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -1.2% |
| Our one-year growth estimate | diamond | -5.7% |
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 2026-11-04.
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 4.5 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
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: Loan growth eased from 16% in Q2 to 13% in Q3. A further drop would weaken a key growth trend.
Worry ifQ4 annualized organic loan growth falls below 10%.
Less concerning ifQ4 annualized organic loan growth is 13% or higher.
Why it matters: Net interest margin held at 3.83% in Q2 and Q3. A drop would show pressure on income from loans and deposits.
Worry ifReported net interest margin falls below 3.83% in Q4.
Less concerning ifReported net interest margin stays at or above 3.83% in Q4.
Why it matters: Q3 charge-offs rose to $5.4 million from $3.2 million in Q2. A further rise may point to worsening loan losses.
Worry ifQ4 net charge-offs exceed $5.4 million.
Less concerning ifQ4 net charge-offs are $3.2 million or less.
Why it matters: The reported Tier 1 capital ratio fell from 14.3% in Q2 to 14.1% in Q3. Holding above 14% would show the level remains strong.
Watch forThe next reported Tier 1 capital ratio is above 14%.
Also watch forThe next reported Tier 1 capital ratio is 14% or lower.
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 | ±$101 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $219 loss on $10,000 · 2.2% | 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.