Seacoast Banking Corporation of Florida

SBCF US Financials Regional Banks
S&P 600
$33.98
+0.35%
Delayed · cached 15 min

Fair value analysis

SBCF
Seacoast Banking Corporation of Florida
FinancialsRegional Banks
$33.98
Close used for this calculation
$31.41Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
57/100
Profitability23/25
Returns5/25
Balance Sheet18/25
Efficiency11/25
Growth15/25
Good
Quality radar
57Prof.23/25Ret.5/25Eff.11/25B.Sht18/25Growth15/25

Consensus fair value

$31.41
Near FV
▼ -7.6% against the close used
Model range $14.91 – $39.45
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$14.91Fair value$31.41Bull$39.45
FairClose
52-week traded range
52W low $28.8052W high $36.13

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading close to the consensus fair value

Seacoast Banking Corporation of Florida closed at $33.98, 8.2% above the consensus fair value of $31.41 drawn from 9 valuation models.

Financial DNA score 57/100 — Good. P/E of 21.6x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$31.16
-8.3%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
$31.50
-7.3%
√(22.5 × EPS × BVPS)
EPS=1.57, BVPS=28.08 · outside Graham range (P/E 21.6, P/B 1.2) — asset-light, treat as a rough floor
P/E Fair Value
$31.40
-7.6%
EPS × 20x (sector P/E)
EPS=1.57, Sector P/E=20x
Peter Lynch (PEG)
$31.51
-7.3%
EPS × Growth% (PEG = 1 is fair)
EPS=1.57, g=20.1%
EV/EBITDA
$38.28
+12.7%
(EBITDA × 18x − Net Debt) ÷ Shares
EBITDA=196.24M
Dividend Discount (DDM)
$39.45
+16.1%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=0.73, r=10%, g=8%
Book Value (P/B)
$14.91
-56.1%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=28.08, ROE=5.3%, g=6%, r=10%
Reverse DCF
$33.98
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 8.2% | Historical: 20.1%
Margin of Safety
$23.52
-30.8%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=31.35, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.