Seacoast Banking of Florida (SBCF)
Market Price (3/31/2026): $29.45 | Market Cap: $2.9 BilSector: Financials | Industry: Regional Banks
Seacoast Banking of Florida (SBCF)
Market Price (3/31/2026): $29.45Market Cap: $2.9 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 5.1%, FCF Yield is 6.3% | Weak multi-year price returns3Y Excs Rtn is -26% | Key risksSBCF key risks include [1] a notable concentration in commercial real estate loans, Show more. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -148% | ||
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 27% | ||
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 29%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 27% | ||
| Low stock price volatilityVol 12M is 30% | ||
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 14% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 5.1%, FCF Yield is 6.3% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -148% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 27% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 29%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 27% |
| Low stock price volatilityVol 12M is 30% |
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 14% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Weak multi-year price returns3Y Excs Rtn is -26% |
| Key risksSBCF key risks include [1] a notable concentration in commercial real estate loans, Show more. |
Qualitative Assessment
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Seacoast Banking of Florida (SBCF) stock has lost about 5% since 11/30/2025 because of the following key factors:
1. Q4 2025 Earnings Miss and Acquisition Costs.
Seacoast Banking of Florida (SBCF) reported adjusted earnings per share (EPS) of $0.44 for the fourth quarter of 2025, falling short of consensus analyst estimates ranging from $0.47 to $0.51, representing a miss of approximately 6.38% to 13.73%. The reported net income of $34.3 million included $18.1 million in merger and integration costs and a $23.4 million day-one credit provision related to the Villages Bancorporation, Inc. (VBI) acquisition, which negatively impacted profitability despite a revenue beat. This earnings miss led to an immediate stock decline of 2.55% in premarket trading.
2. General Regional Bank Sector Headwinds.
The broader regional banking sector, despite showing signs of stabilization after 2023 and 2024, faced continued caution in commercial bank credit growth in late 2025 and early 2026. Forecasts suggested potential headwinds in net interest income for banks in 2026 due to expectations of lower interest rates and a slowing economy, contributing to investor uncertainty regarding future sector profitability.
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1. Q4 2025 Earnings Miss and Acquisition Costs.
Seacoast Banking of Florida (SBCF) reported adjusted earnings per share (EPS) of $0.44 for the fourth quarter of 2025, falling short of consensus analyst estimates ranging from $0.47 to $0.51, representing a miss of approximately 6.38% to 13.73%. The reported net income of $34.3 million included $18.1 million in merger and integration costs and a $23.4 million day-one credit provision related to the Villages Bancorporation, Inc. (VBI) acquisition, which negatively impacted profitability despite a revenue beat. This earnings miss led to an immediate stock decline of 2.55% in premarket trading.
2. General Regional Bank Sector Headwinds.
The broader regional banking sector, despite showing signs of stabilization after 2023 and 2024, faced continued caution in commercial bank credit growth in late 2025 and early 2026. Forecasts suggested potential headwinds in net interest income for banks in 2026 due to expectations of lower interest rates and a slowing economy, contributing to investor uncertainty regarding future sector profitability.
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Stock Movement Drivers
Fundamental Drivers
The -5.5% change in SBCF stock from 11/30/2025 to 3/30/2026 was primarily driven by a -10.7% change in the company's Net Income Margin (%).| (LTM values as of) | 11302025 | 3302026 | Change |
|---|---|---|---|
| Stock Price ($) | 31.18 | 29.45 | -5.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 582 | 653 | 12.1% |
| Net Income Margin (%) | 24.9% | 22.2% | -10.7% |
| P/E Multiple | 18.7 | 19.7 | 5.6% |
| Shares Outstanding (Mil) | 87 | 97 | -10.6% |
| Cumulative Contribution | -5.5% |
Market Drivers
11/30/2025 to 3/30/2026| Return | Correlation | |
|---|---|---|
| SBCF | -5.5% | |
| Market (SPY) | -5.3% | 45.8% |
| Sector (XLF) | -9.0% | 63.3% |
Fundamental Drivers
The -3.6% change in SBCF stock from 8/31/2025 to 3/30/2026 was primarily driven by a -12.4% change in the company's Shares Outstanding (Mil).| (LTM values as of) | 8312025 | 3302026 | Change |
|---|---|---|---|
| Stock Price ($) | 30.55 | 29.45 | -3.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 555 | 653 | 17.5% |
| Net Income Margin (%) | 25.0% | 22.2% | -11.2% |
| P/E Multiple | 18.7 | 19.7 | 5.5% |
| Shares Outstanding (Mil) | 85 | 97 | -12.4% |
| Cumulative Contribution | -3.6% |
Market Drivers
8/31/2025 to 3/30/2026| Return | Correlation | |
|---|---|---|
| SBCF | -3.6% | |
| Market (SPY) | 0.6% | 48.9% |
| Sector (XLF) | -9.8% | 65.0% |
Fundamental Drivers
The 7.5% change in SBCF stock from 2/28/2025 to 3/30/2026 was primarily driven by a 26.6% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 2282025 | 3302026 | Change |
|---|---|---|---|
| Stock Price ($) | 27.39 | 29.45 | 7.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 515 | 653 | 26.6% |
| Net Income Margin (%) | 23.5% | 22.2% | -5.4% |
| P/E Multiple | 19.1 | 19.7 | 3.0% |
| Shares Outstanding (Mil) | 85 | 97 | -12.8% |
| Cumulative Contribution | 7.5% |
Market Drivers
2/28/2025 to 3/30/2026| Return | Correlation | |
|---|---|---|
| SBCF | 7.5% | |
| Market (SPY) | 9.8% | 62.6% |
| Sector (XLF) | -6.0% | 71.6% |
Fundamental Drivers
The 5.7% change in SBCF stock from 2/28/2023 to 3/30/2026 was primarily driven by a 69.1% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 2282023 | 3302026 | Change |
|---|---|---|---|
| Stock Price ($) | 27.87 | 29.45 | 5.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 386 | 653 | 69.1% |
| Net Income Margin (%) | 30.8% | 22.2% | -28.0% |
| P/E Multiple | 14.4 | 19.7 | 36.8% |
| Shares Outstanding (Mil) | 61 | 97 | -36.6% |
| Cumulative Contribution | 5.7% |
Market Drivers
2/28/2023 to 3/30/2026| Return | Correlation | |
|---|---|---|
| SBCF | 5.7% | |
| Market (SPY) | 69.4% | 50.1% |
| Sector (XLF) | 42.1% | 67.2% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| SBCF Return | 22% | -10% | -6% | -0% | 17% | -6% | 13% |
| Peers Return | 54% | -13% | 1% | 18% | 8% | -3% | 67% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -7% | 70% |
Monthly Win Rates [3] | |||||||
| SBCF Win Rate | 75% | 50% | 42% | 50% | 58% | 33% | |
| Peers Win Rate | 70% | 45% | 45% | 60% | 58% | 40% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 33% | |
Max Drawdowns [4] | |||||||
| SBCF Max Drawdown | -1% | -15% | -39% | -22% | -19% | -6% | |
| Peers Max Drawdown | -4% | -21% | -32% | -11% | -21% | -6% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: SSB, AMTB, TFC, RF, FITB.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 3/30/2026 (YTD)
How Low Can It Go
| Event | SBCF | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -53.3% | -25.4% |
| % Gain to Breakeven | 114.3% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -52.1% | -33.9% |
| % Gain to Breakeven | 108.8% | 51.3% |
| Time to Breakeven | 289 days | 148 days |
| 2018 Correction | ||
| % Loss | -32.4% | -19.8% |
| % Gain to Breakeven | 47.9% | 24.7% |
| Time to Breakeven | 497 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -95.3% | -56.8% |
| % Gain to Breakeven | 2049.2% | 131.3% |
| Time to Breakeven | Not Fully Recovered days | 1,480 days |
Compare to SSB, AMTB, TFC, RF, FITB
In The Past
Seacoast Banking of Florida's stock fell -53.3% during the 2022 Inflation Shock from a high on 3/12/2021. A -53.3% loss requires a 114.3% gain to breakeven.
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About Seacoast Banking of Florida (SBCF)
Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides financial services to retail and commercial customers in Florida. It offers commercial and retail banking, wealth management, and mortgage services; and brokerage and annuity services. The company offers noninterest and interest-bearing demand deposit, money market, savings, and customer sweep accounts; time certificates of deposit; construction and land development, commercial and residential real estate, and commercial and financial loans; and consumer loans, including installment loans and revolving lines, as well as loans for automobiles, boats, and personal or family purposes. As of December 31, 2021, it had 54 branch and commercial lending offices. The company was founded in 1926 and is headquartered in Stuart, Florida.
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- A Florida-focused version of a full-service bank like Wells Fargo.
- Like a regional Bank of America, operating exclusively within Florida.
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- Commercial Banking Services: Provides financial services tailored for businesses, encompassing commercial and financial loans, including those for construction and land development.
- Retail Banking Services: Offers financial services to individual customers, including various noninterest and interest-bearing deposit accounts and consumer loans for purposes like automobiles, boats, and personal needs.
- Wealth Management: Manages financial assets and investments for clients to help them achieve their financial goals.
- Mortgage Services: Specializes in providing loans for both commercial and residential real estate properties.
- Brokerage Services: Assists clients with the buying and selling of various financial securities and investments.
- Annuity Services: Offers financial products designed to provide a steady stream of payments, often for retirement planning.
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Seacoast Banking of Florida (SBCF) primarily serves a broad base of customers rather than a few major named entities. Based on its operations, it serves the following categories of customers:
- Retail Customers (Individuals): This category includes individuals who utilize services such as noninterest and interest-bearing demand deposit, money market, savings, and customer sweep accounts; time certificates of deposit; consumer loans (including installment loans and revolving lines for automobiles, boats, and personal or family purposes); and residential mortgage services.
- Commercial Customers (Businesses): This category encompasses businesses of various sizes that utilize services such as commercial banking, construction and land development loans, commercial and residential real estate loans, and commercial and financial loans.
- Wealth Management Clients: While overlapping with both retail and commercial, this category specifically refers to individuals and businesses seeking wealth management, brokerage, and annuity services for investment and financial planning.
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Charles M. Shaffer, Chairman, President & Chief Executive Officer
Charles "Chuck" M. Shaffer was named Chairman of the Board in February 2022, and appointed President and Chief Executive Officer and a director of Seacoast Banking Corporation of Florida in January 2021. Mr. Shaffer joined Seacoast in 1997 and has held various leadership positions, including Chief Operating Officer from May 2019, and Executive Vice President and Chief Financial Officer from January 2017 to May 2019. Before that, he led the Community Banking Group and served as Senior Vice President and Controller. Mr. Shaffer serves on the board of directors for Armellini Express Lines, Inc., a private logistics company.
Tracey L. Dexter, Executive Vice President, Chief Financial Officer
Tracey L. Dexter was appointed Chief Financial Officer in June 2020. She joined Seacoast in January 2017 as Senior Vice President, Controller, where she managed accounting and financial reporting functions, including SEC and regulatory reporting. Before joining Seacoast, Ms. Dexter spent 12 years with PwC's Banking and Capital Markets practice, holding audit and advisory roles with financial institutions in Florida and serving as a senior manager in the firm's national office in New York City.
Juliette P. Kleffel, Executive Vice President, Chief Banking Officer
Juliette "Julie" P. Kleffel serves as Executive Vice President and Chief Banking Officer. She previously served as Seacoast's Small Business Banking Leader and was Executive Vice President and Commercial Sales Leader at BankFIRST prior to its acquisition by Seacoast in October 2014.
Daniel G. Chappell, Chief Human Resources Officer & Executive Vice President
Daniel "Dan" G. Chappell has served as the Chief Human Resources Officer of Seacoast National Bank since September 2014. Prior to joining Seacoast, Mr. Chappell spent ten years with Bank of America, where he was a Senior Vice President and Human Resource Executive for various lines of business including Technology and Operations, Wealth Management, and Consumer Operations. He also held senior HR roles with Avaya Communications, Honeywell International, Cytec Industries, and Sonoco Products, and was a Vice President with Right Management Consultants.
Jeffery Lee, Executive Vice President, Chief Digital Officer
Jeffery Lee was appointed Chief Digital Officer in May 2019. He previously served as Executive Vice President and Chief Marketing Officer and joined Seacoast in May 2013 as Vice President, Digital Project Manager. Mr. Lee has over 18 years of digital marketing experience, including nine years with American Express, where he was the International Marketing Director, and he also served as Digital Marketing Director for BGT Partners (since acquired by PwC).
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Key Risks to Seacoast Banking of Florida (SBCF)
- Concentration in Florida Commercial Real Estate (CRE): Seacoast Banking of Florida has a significant concentration in commercial real estate loans, which constitute 50% of its loan portfolio and represent 227% of its total risk-based capital as of December 31, 2025. This high exposure makes the company particularly vulnerable to fluctuations in Florida's real estate market, changes in interest rates, and potential credit quality deterioration within the CRE sector.
- Interest Rate and Liquidity Pressures: The company is sensitive to changes in interest rates and faces liquidity pressures, including competition for deposits. Rising deposit costs due to the competitive landscape and higher interest rate environments can compress the bank's Net Interest Margin (NIM), impacting profitability.
- Acquisitive Growth Strategy and Regulatory/Integration Risks: Seacoast Banking of Florida has actively pursued growth through mergers and acquisitions, completing multiple bank acquisitions since 2019. While this strategy expands its market presence, it introduces inherent risks related to the successful integration of acquired entities, managing a larger and more complex portfolio of services, and potential impacts on its capital ratios. Furthermore, the company faces evolving regulatory requirements and increased federal scrutiny on regional banks, which can lead to higher compliance costs and operational challenges.
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The rise of digital-first banks (neobanks), online lenders, and financial technology (FinTech) companies poses a clear emerging threat. These entities leverage technology to offer banking, lending, and wealth management services with lower overhead, often leading to more competitive rates and superior digital customer experiences, directly challenging traditional branch-based models like that of Seacoast Banking of Florida.
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Seacoast Banking of Florida (SBCF) operates within the state of Florida, offering a range of financial products and services. The addressable markets for its main products and services in Florida are sized as follows:
- Banking (Commercial and Retail) and Deposits: Banks operating in Florida supported the state's economy with consumer, business, and other loans. In 2024, deposits in Florida totaled approximately $831 billion. There were 199 banks operating 4,345 branches and offices across the state.
- Wealth Management: The market size for the Portfolio Management & Investment Advice industry in Florida is estimated at $14.7 billion in 2026. This market has been experiencing growth, with a net annual income migration of $39.2 billion into Florida, attracting high-net-worth individuals and young millionaires to the state.
- Mortgage Services (Residential Real Estate Loans): New home loans booked in Florida in 2024 amounted to $87.1 billion. The median sale price for single-family homes in Florida was $412,500 in March 2025.
- Commercial and Financial Loans (including Construction and Land Development, Commercial Real Estate):
- Small business loans in Florida totaled $52.9 billion in 2023.
- FDIC data for banks in Florida (as of Q4 2024) indicated approximately $40 million in construction & development loans, $14 million in multifamily residential real estate loans, and $228 million in nonresidential real estate loans.
- Consumer Loans: The Florida digital lending market, a segment of consumer lending, was valued at $4.35 billion in 2019 and is projected to reach $13.89 billion by 2027.
Specific market sizes for only brokerage and annuity services in Florida were not explicitly identified as separate figures; however, these services may be included within broader wealth management offerings.
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Seacoast Banking of Florida (SBCF) is expected to drive future revenue growth over the next 2-3 years through several key strategies:- Strategic Acquisitions: Recent acquisitions, such as Villages Bancorporation, Inc. (VBI), have significantly boosted Seacoast's revenue, market share, deposit base, and expanded its mortgage banking activities. The company views accretive acquisitions as a continued driver for net interest margin expansion.
- Organic Loan Growth: Seacoast anticipates continued strong growth in its loan portfolio, particularly within its commercial banking segment. This growth is attributed to the consistent success of its commercial banking team and a multi-year strategy focused on attracting top banking talent in Florida, contributing to a robust commercial pipeline.
- Deposit Gathering and Market Share Expansion: The company is keenly focused on acquiring new customers and increasing its deposit base. This strategy aims to deepen Seacoast's market share throughout Florida, with a stated goal of becoming a leading regional bank in the state. Recent quarters have shown strong customer acquisition and annualized deposit growth rates.
- Expansion of Wealth Management Services: Seacoast has demonstrated consistent strong growth in its wealth management division, with a significant increase in fee-based assets under management and a robust pipeline of new clients. This area has seen substantial year-over-year growth in assets under management and is considered a key non-interest income driver.
- Net Interest Margin (NIM) Expansion: Seacoast expects its net interest margin to continue expanding. This is driven by strong loan growth, proactive management leading to lower funding costs, and the positive impact of accretive acquisitions. This expansion directly contributes to increased net interest income, a primary component of the bank's revenue.
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Share Repurchases
- Seacoast Banking Corporation of Florida's Board of Directors renewed and expanded its share repurchase program on December 19, 2025.
- The renewed program authorizes the repurchase of up to $150 million of common stock through December 31, 2026. This represents approximately 5% of the company's outstanding shares.
Share Issuance
- As part of the acquisition of Villages Bancorporation, Inc. in 2025, Seacoast offered consideration that included its common stock, alongside cash, at the shareholders' election. The aggregate value of the merger consideration was approximately $710.8 million.
- In 2021, Seacoast acquired Legacy Bank of Florida, with Legacy shareholders receiving Seacoast stock in the transaction.
Inbound Investments
- GW&K Investment Management LLC increased its holdings in Seacoast Banking by 5.5% in the third quarter of 2025, bringing its stake to 1,489,081 shares, valued at approximately $45.3 million.
- As of Q3 2025, institutional investors collectively owned about 81.77% of Seacoast Banking of Florida's stock.
Outbound Investments
- Seacoast completed the acquisition of Villages Bancorporation, Inc. on October 1, 2025, a transaction valued at approximately $711 million. This acquisition added approximately $4.1 billion in assets, $1.2 billion in loans, and $3.5 billion in deposits.
- In July 2025, Seacoast acquired Heartland Bancshares, Inc., expanding its branch presence in Central Florida.
- In 2021, Seacoast acquired Sabal Palm Bancorp and Business Bank of Florida in August, and Legacy Bank of Florida in March.
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| 07312018 | SBCF | Seacoast Banking of Florida | Quality | Q | Momentum | UpsideQuality Stocks with Momentum and UpsideBuying quality stocks with strong momentum but still having room to run | -6.2% | -7.7% | -20.9% |
Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 36.87 |
| Mkt Cap | 15.5 |
| Rev LTM | 5,072 |
| Op Inc LTM | - |
| FCF LTM | 1,191 |
| FCF 3Y Avg | 1,161 |
| CFO LTM | 1,241 |
| CFO 3Y Avg | 1,241 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 32.0% |
| Rev Chg 3Y Avg | 9.0% |
| Rev Chg Q | 11.4% |
| QoQ Delta Rev Chg LTM | 2.5% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 28.9% |
| CFO/Rev 3Y Avg | 28.3% |
| FCF/Rev LTM | 28.4% |
| FCF/Rev 3Y Avg | 27.3% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 15.5 |
| P/S | 3.1 |
| P/EBIT | - |
| P/E | 11.5 |
| P/CFO | 10.0 |
| Total Yield | 10.0% |
| Dividend Yield | 1.9% |
| FCF Yield 3Y Avg | 8.9% |
| D/E | 0.4 |
| Net D/E | -1.4 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -8.9% |
| 3M Rtn | -6.9% |
| 6M Rtn | -1.5% |
| 12M Rtn | 16.9% |
| 3Y Rtn | 45.4% |
| 1M Excs Rtn | -1.1% |
| 3M Excs Rtn | 0.5% |
| 6M Excs Rtn | 2.8% |
| 12M Excs Rtn | 2.8% |
| 3Y Excs Rtn | -11.5% |
Price Behavior
Price Behavior
| Market Price | $29.45 | |
| Market Cap ($ Bil) | 2.6 | |
| First Trading Date | 03/26/1990 | |
| Distance from 52W High | -15.5% | |
| 50 Days | 200 Days | |
| DMA Price | $32.07 | $30.35 |
| DMA Trend | up | down |
| Distance from DMA | -8.2% | -3.0% |
| 3M | 1YR | |
| Volatility | 28.9% | 30.0% |
| Downside Capture | 0.72 | 0.74 |
| Upside Capture | 116.25 | 105.59 |
| Correlation (SPY) | 45.5% | 61.5% |
SBCF Betas & Captures as of 2/28/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.92 | 1.12 | 1.07 | 1.18 | 0.98 | 1.24 |
| Up Beta | 0.78 | 1.87 | 1.73 | 1.68 | 0.80 | 1.18 |
| Down Beta | 0.45 | 0.83 | 0.75 | 1.35 | 1.18 | 1.12 |
| Up Capture | 68% | 95% | 100% | 87% | 98% | 176% |
| Bmk +ve Days | 9 | 20 | 31 | 70 | 142 | 431 |
| Stock +ve Days | 10 | 22 | 32 | 62 | 121 | 364 |
| Down Capture | 156% | 114% | 107% | 103% | 102% | 109% |
| Bmk -ve Days | 12 | 21 | 30 | 54 | 109 | 320 |
| Stock -ve Days | 11 | 19 | 29 | 62 | 128 | 383 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with SBCF | |
|---|---|---|---|---|
| SBCF | 15.9% | 30.0% | 0.50 | - |
| Sector ETF (XLF) | -2.6% | 19.2% | -0.26 | 70.5% |
| Equity (SPY) | 14.8% | 19.0% | 0.60 | 61.6% |
| Gold (GLD) | 48.2% | 27.7% | 1.42 | 1.5% |
| Commodities (DBC) | 17.5% | 17.6% | 0.83 | 20.2% |
| Real Estate (VNQ) | 1.1% | 16.4% | -0.11 | 51.5% |
| Bitcoin (BTCUSD) | -24.0% | 44.3% | -0.49 | 30.2% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with SBCF | |
|---|---|---|---|---|
| SBCF | -1.3% | 34.9% | 0.04 | - |
| Sector ETF (XLF) | 9.6% | 18.7% | 0.40 | 66.9% |
| Equity (SPY) | 12.0% | 17.0% | 0.55 | 49.6% |
| Gold (GLD) | 20.9% | 17.7% | 0.97 | -0.3% |
| Commodities (DBC) | 12.2% | 18.8% | 0.53 | 11.0% |
| Real Estate (VNQ) | 3.2% | 18.8% | 0.07 | 45.4% |
| Bitcoin (BTCUSD) | 3.9% | 56.6% | 0.29 | 14.5% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with SBCF | |
|---|---|---|---|---|
| SBCF | 8.1% | 36.7% | 0.32 | - |
| Sector ETF (XLF) | 12.2% | 22.2% | 0.51 | 73.2% |
| Equity (SPY) | 13.9% | 17.9% | 0.67 | 56.6% |
| Gold (GLD) | 13.4% | 15.8% | 0.70 | -5.5% |
| Commodities (DBC) | 8.2% | 17.6% | 0.38 | 18.6% |
| Real Estate (VNQ) | 4.8% | 20.7% | 0.20 | 49.9% |
| Bitcoin (BTCUSD) | 66.2% | 66.9% | 1.06 | 12.6% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/29/2026 | -2.0% | 1.6% | -6.2% |
| 10/27/2025 | -1.1% | -3.1% | 0.4% |
| 7/24/2025 | -0.2% | -2.2% | 7.5% |
| 4/24/2025 | -0.6% | 0.4% | 2.9% |
| 1/27/2025 | 4.4% | 2.2% | 2.3% |
| 7/25/2024 | 0.1% | -7.2% | -3.7% |
| 4/25/2024 | -1.1% | 1.1% | -1.8% |
| 1/25/2024 | -0.6% | -9.0% | -9.3% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 10 | 12 | 12 |
| # Negative | 13 | 11 | 11 |
| Median Positive | 2.9% | 2.2% | 7.0% |
| Median Negative | -1.1% | -3.1% | -6.0% |
| Max Positive | 13.5% | 8.3% | 26.6% |
| Max Negative | -5.2% | -12.2% | -13.6% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 12/31/2025 | 02/27/2026 | 10-K |
| 09/30/2025 | 11/05/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/07/2025 | 10-Q |
| 12/31/2024 | 02/25/2025 | 10-K |
| 09/30/2024 | 11/06/2024 | 10-Q |
| 06/30/2024 | 08/07/2024 | 10-Q |
| 03/31/2024 | 05/08/2024 | 10-Q |
| 12/31/2023 | 02/27/2024 | 10-K |
| 09/30/2023 | 11/08/2023 | 10-Q |
| 06/30/2023 | 08/09/2023 | 10-Q |
| 03/31/2023 | 05/10/2023 | 10-Q |
| 12/31/2022 | 03/01/2023 | 10-K |
| 09/30/2022 | 11/04/2022 | 10-Q |
| 06/30/2022 | 08/04/2022 | 10-Q |
| 03/31/2022 | 05/06/2022 | 10-Q |
Recent Forward Guidance [BETA]
Latest: Q4 2025 Earnings Reported 1/29/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q1 2026 Pre-tax loss from securities portfolio repositioning | 39.50 Mil | ||||||
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Hudson, Dennis S Iii | Direct | Sell | 11122025 | 31.13 | 8,000 | 249,040 | 7,822,191 | Form | |
| 2 | Stallings, James C Iii | EVP, Chief Credit Officer | Direct | Sell | 11072025 | 30.87 | 3,245 | 100,173 | 115,052 | Form |
| 3 | Rossin, Thomas E | Direct | Sell | 8252025 | 29.25 | 72 | Form | |||
| 4 | Bradley, Jacqueline Lynette | Direct | Sell | 2052026 | 33.54 | 2,279 | 76,438 | 234,780 | Form | |
| 5 | Arczynski, Dennis J | Direct | Sell | 2052026 | 34.21 | 3,419 | 116,964 | 34,210 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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