Latest Ratios: P/E Ratio 20.7x · EV/EBITDA 19.1x · ROE 5.5%. (1996–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $3.2B | $2.9B | $2.3B | $2.4B | $2.0B | $2.0B | $1.6B | $1.6B | $1.3B | $1.1B | $827M |
| Enterprise Value | $4.3B | $4.0B | $2.4B | $2.5B | $2.2B | $1.5B | $1.4B | $1.9B | $1.8B | $1.5B | $1.4B |
| P/E Ratio → | 20.66 | 19.89 | 19.39 | 23.14 | 18.79 | 16.23 | 20.45 | 16.09 | 18.86 | 25.46 | 28.28 |
| P/S Ratio | 3.65 | 3.32 | 2.89 | 3.12 | 4.49 | 5.69 | 4.56 | 4.59 | 4.35 | 4.37 | 4.45 |
| P/B Ratio | 0.98 | 0.95 | 1.07 | 1.14 | 1.25 | 1.54 | 1.41 | 1.61 | 1.47 | 1.58 | 1.90 |
| P/FCF | 17.74 | 16.15 | 13.31 | 17.10 | 10.94 | 13.45 | 26.89 | 13.80 | 10.10 | 25.30 | 14.79 |
| P/OCF | 16.88 | 15.36 | 13.01 | 15.93 | 10.23 | 13.07 | 26.19 | 13.51 | 9.79 | 22.34 | 13.34 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.65 | 3.02 | 3.23 | 4.94 | 4.16 | 3.94 | 5.58 | 6.21 | 5.87 | 7.57 |
| EV / EBITDA | 19.14 | 17.87 | 13.97 | 18.40 | 14.83 | 9.53 | 13.44 | 14.11 | 19.51 | 17.46 | 29.99 |
| EV / EBIT | 23.21 | 21.68 | 15.69 | 18.46 | 15.97 | 9.30 | 13.66 | 15.04 | 20.67 | 18.54 | 31.92 |
| EV / FCF | — | 22.61 | 13.90 | 17.66 | 12.04 | 9.82 | 23.27 | 16.79 | 14.41 | 33.99 | 25.15 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.6% | 61.6% | 61.6% | 68.8% | 90.7% | 100.3% | 82.0% | 83.5% | 85.7% | 91.6% | 94.1% |
| Operating Margin | 21.4% | 21.4% | 19.3% | 17.5% | 30.9% | 44.7% | 28.9% | 37.1% | 30.0% | 31.7% | 23.7% |
| Net Profit Margin | 16.7% | 16.7% | 15.0% | 13.5% | 23.8% | 35.0% | 22.3% | 28.5% | 23.1% | 17.1% | 15.7% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.5% | 5.5% | 5.6% | 5.6% | 7.3% | 10.2% | 7.3% | 10.7% | 8.7% | 7.6% | 7.4% |
| ROA | 0.8% | 0.8% | 0.8% | 0.8% | 1.0% | 1.4% | 1.0% | 1.4% | 1.1% | 0.8% | 0.7% |
| ROIC | 3.9% | 3.9% | 4.3% | 4.3% | 5.9% | 8.4% | 5.4% | 6.5% | 4.8% | 5.1% | 3.7% |
| ROCE | 3.7% | 3.7% | 6.1% | 6.1% | 7.9% | 11.4% | 7.4% | 9.2% | 7.4% | 8.1% | 6.0% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.44 | 0.44 | 0.27 | 0.25 | 0.25 | 0.15 | 0.17 | 0.48 | 0.77 | 0.72 | 1.58 |
| Debt / EBITDA | 5.91 | 5.91 | 3.34 | 3.94 | 2.73 | 1.25 | 1.87 | 3.44 | 7.17 | 5.92 | 14.69 |
| Net Debt / Equity | — | 0.38 | 0.05 | 0.04 | 0.13 | -0.42 | -0.19 | 0.35 | 0.63 | 0.54 | 1.33 |
| Net Debt / EBITDA | 5.11 | 5.11 | 0.60 | 0.58 | 1.35 | -3.52 | -2.09 | 2.51 | 5.83 | 4.46 | 12.35 |
| Debt / FCF | — | 6.46 | 0.59 | 0.55 | 1.10 | -3.62 | -3.62 | 2.98 | 4.31 | 8.69 | 10.36 |
| Interest Coverage | 0.66 | 0.66 | 0.53 | 0.67 | 9.64 | 19.31 | 4.14 | 2.78 | 2.93 | 5.18 | 5.21 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.40 | 0.40 | 0.21 | 0.19 | 0.20 | 0.29 | 0.26 | 0.19 | 0.18 | 0.22 | 0.28 |
| Quick Ratio | 0.40 | 0.40 | 0.21 | 0.19 | 0.20 | 0.29 | 0.26 | 0.19 | 0.18 | 0.22 | 0.28 |
| Cash Ratio | 0.01 | 0.01 | 0.04 | 0.04 | 0.02 | 0.09 | 0.06 | 0.02 | 0.02 | 0.03 | 0.03 |
| Asset Turnover | — | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.3% | 2.3% | 2.6% | 2.5% | 2.1% | 1.1% | — | — | — | — | — |
| Payout Ratio | 46.7% | 46.7% | 51.0% | 58.2% | 38.7% | 18.1% | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 4.8% | 5.0% | 5.2% | 4.3% | 5.3% | 6.2% | 4.9% | 6.2% | 5.3% | 3.9% | 3.5% |
| FCF Yield | 5.6% | 6.2% | 7.5% | 5.8% | 9.1% | 7.4% | 3.7% | 7.2% | 9.9% | 4.0% | 6.8% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.5% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 2.3% | 2.3% | 2.7% | 3.0% | 2.1% | 1.1% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Shares Outstanding | — | $92M | $85M | $84M | $64M | $57M | $54M | $52M | $49M | $43M | $38M |
Florida CRE concentration risk
Based on recent market data, SBCF trades at a P/B of 1.01, which suggests that investors are pricing the bank near its tangible book value despite the significant inorganic growth trajectory observed in recent quarterly filings and the associated integration risks inherent in its acquisition-heavy strategy.
The current valuation appears to reflect a 'Florida premium' that may be decoupling from the bank's underlying return on tangible equity. Investors should monitor whether this multiple can be sustained if organic profitability remains constrained by the integration costs of recent acquisitions.
According to the provided financial data, the bank's ROE has remained suppressed between 1.0% and 1.9% over the last ten quarters, indicating that the institution is struggling to generate meaningful returns on equity despite its aggressive expansion into new Florida markets.
The decomposition of profitability suggests that the bank's reliance on inorganic growth is currently failing to translate into improved operating leverage. The persistent compression in NIM, combined with fluctuating efficiency ratios, implies that the bank's core profitability is currently strained by the costs of scaling its footprint.
As reported in financial statements, the efficiency ratio reached 47.5% in 2026Q1, a notable increase from 37.8% in 2025Q4, which suggests that the bank is facing significant operational headwinds as it attempts to integrate recent acquisitions into its existing cost structure.
The inability to maintain a stable efficiency ratio indicates that the bank may be struggling to achieve the expected synergies from its recent M&A activity. This volatility warrants further investigation into whether the bank's fixed-cost base is becoming bloated relative to its current revenue-generating capacity.
Based on the bank's reported figures, the equity-to-assets ratio has remained consistently low at approximately 0.14 over the last ten quarters, which may indicate that the institution is operating with a relatively thin capital buffer to absorb potential shocks in its concentrated Florida loan portfolio.
This capital position suggests limited room for error, particularly given the bank's heavy exposure to commercial real estate and construction lending. Investors should monitor whether management will be forced to prioritize capital retention over dividend growth to maintain regulatory compliance in a more volatile economic environment.
As noted in recent financial disclosures, the P/E ratio of 21.17 is a misleading metric for SBCF because it is heavily distorted by non-cash purchase accounting accretion and volatile provision expenses that do not reflect the bank's true, recurring earnings power.
Analysts should prioritize P/TBV over P/E when evaluating this institution, as the latter obscures the impact of M&A-related accounting adjustments. Relying on P/E may lead to an inaccurate assessment of the bank's valuation, as it fails to account for the quality of earnings generated by the underlying loan book.
Includes 30+ ratios · 30 years · Updated daily
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Quick answers to the most common questions about buying SBCF stock.
Seacoast Banking Corporation of Florida's current P/E ratio is 20.7x. The historical average is 25.6x. This places it at the 65th percentile of its historical range.
Seacoast Banking Corporation of Florida's current EV/EBITDA is 19.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 16.2x.
Seacoast Banking Corporation of Florida's return on equity (ROE) is 5.5%. The historical average is 5.1%.
Based on historical data, Seacoast Banking Corporation of Florida is trading at a P/E of 20.7x. This is at the 65th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Seacoast Banking Corporation of Florida's current dividend yield is 2.26% with a payout ratio of 46.7%.
Seacoast Banking Corporation of Florida has 61.6% gross margin and 21.4% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Seacoast Banking Corporation of Florida's Debt/EBITDA ratio is 5.9x, indicating high leverage. A ratio above 4x may signal elevated financial risk.