SBCF · Seacoast Banking Corp Of Florida
$35.11
-0.43 (-1.21%)
At close · Aug 19
Market Cap
$3.44B
Shares
96.82M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$35.11
Open$35.54
Day$35.01–35.88
52W close$28.80–36.13
Avg vol 30d991K
Short int5.3M · 5.4% float · 4.5d
Short vol87%
Last earningsJul 29, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 4
Up next
Next earnings call
Oct 30, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 4, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+9%
above
Price vs 50-day avg
+5%
above
RSI (14)
56
neutral
MACD trend
Negative
52-week position
86%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+5%
trailing
6-month return
+7%
trailing
YTD return
+12%
this year
Relative strength
−5%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $33 › 200d $32 — 50d above 200d
Institutional flow
Accumulating
+1% holders QoQ · +40 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
5.43% of float · ▲ +0.1% MoM · 4.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
299 holders — near 3-yr high, broad support
Squeeze score
71
high risk · 0–100
Fundamentals
EPS growth
+11%
Y/Y
Balance sheet
$282.2M
net cash
Quant / Vol
risk profile
Volatility
26%
annualized · 1-yr
Max drawdown
−17%
past year
ATR
2.0%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Mar 31, 2026
Full-year earnings per share
· full-year 2026
$2.48 – $2.52
Prior guidance
period ended
· from the Earnings Call filed Sep 30, 2025
Core net interest margin
· exit the year
up to 0.03%
Noninterest income
· fourth quarter
$22M – $24M
Adjusted expenses
· fourth quarter
$110M – $112M
Loan-to-deposit ratio
· year-end 2025
up to 0.75%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+9%
Bullish
Price vs 50-day avg
+5%
Bullish
RSI (14)
56
Neutral
MACD trend
Negative
Bearish
52-week position
86%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $33 › 200d $32 — 50d above 200d
Institutional flow
Accumulating
+1% holders QoQ · +40 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
5.43% of float · ▲ +0.1% MoM · 4.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
299 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $29
Now $35 · 86%
Range high $36
vs 200-day avg +9%
vs 50-day avg +5%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Accretion on acquired loans | $8.9M | Q2 2026 | — |
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| Accruing Past Due / Total Loans | 0.15% | 2Q'26 | — |
| ACL/Total Loans | 1.38% | 2Q'26 | — |
| Adjusted efficiency ratio non-GAAP | 54.54% | the second quarter of 2026 | — |
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| Adjusted net income non-GAAP | $65.8M | Q2 2026 | — |
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| Adjusted Net Revenue on a FTE basis non-GAAP | $210M | 2Q'26 | — |
GAAP → non-GAAP reconciliationGAAP Net Revenue $208.2M
+$0.1M Total Adjustments to Net Revenue
+$1.8M Impact of FTE adjustment
= Adjusted Net Revenue on a FTE basis $210M
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| Adjusted net revenues non-GAAP | $210M | Q2 2026 | — |
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| Adjusted Noninterest Expense non-GAAP | $114.8M | 2Q'26 | — |
GAAP → non-GAAP reconciliationGAAP Total noninterest expense 123.1M
-8.4M Merger and integration costs
= Adjusted Noninterest Expense 114.8M
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| Adjusted pre-tax pre-provision earnings non-GAAP | $95.5M | Q2 2026 | — |
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| Adjusted return on average assets non-GAAP | 1.25% | 2Q'26 | — |
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| Adjusted return on average tangible shareholders' equity non-GAAP | 15.79% | 2Q'26 | — |
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| Adjusted ROTA non-GAAP | 1.48% | 2Q'26 | — |
| Adjusted ROTE non-GAAP | 15.8% | 2Q'26 | — |
| Allowance coverage | 1.38% | Q2 2026 | — |
| Allowance for Credit Losses | $182M | 2Q'26 | — |
| Annualized organic loan growth | 16% | Q2 2026 | — |
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| Assets under management | 3.2B | Q2 2026 | — |
| Commercial pipelines | 1.3B | as of June 30, 2026 | — |
| Cost of deposits | 1.53% | Q2 2026 | — |
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| Cost of funds | 1.69% | 2Q'26 | — |
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| Criticized and Classified Loans / Total Loans | 2.88% | 2Q'26 | — |
| Efficiency ratio | 58.52% | Q2 2026 | — |
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| Full-service branches | 105 | as of June 30, 2026 | — |
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| Full-time equivalent employees | 1,964 | 2Q'26 | — |
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| Loan pipelines | 1.5B | as of June 30, 2026 | — |
| NCO/Average Loans | 0.1% | 2Q'26 | — |
| Net interest margin | 3.83% | Q2 2026 | — |
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| Net interest margin (excluding accretion on acquired loans) non-GAAP | 3.65% | Q2 2026 | — |
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GAAP → non-GAAP reconciliationGAAP Net interest margin 3.83%
-0.18% Impact of accretion on acquired loans
= Net interest margin excluding accretion on acquired loans 3.65%
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| New organic assets under management | 388M | first half of 2026 | — |
| NPL/Total Loans | 0.66% | 2Q'26 | — |
| Number of ATMs | 192 | 2Q'26 | — |
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| Pre-tax pre-provision earnings | 86.97M | 2Q'26 | — |
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| Reported Yield | 5.88% | 2Q'26 | — |
| Residential pipelines | 168.5M | as of June 30, 2026 | — |
| Securities yields | 4.47% | 2Q'26 | — |
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| Shares of common stock repurchased during the quarter | 751,680 | Q2 2026 | — |
| Tangible Book Value Per Share | $15.71 | 2Q'26 | — |
| Total Risk Based Capital | 15.7% | 2Q'26 | — |
| Yield on loans excluding accretion on acquired loans non-GAAP | 5.61% | Q2 2026 | — |
GAAP → non-GAAP reconciliationGAAP Yield on loans 5.88%
-0.27% Impact of accretion on acquired loans
= Yield on loans excluding accretion on acquired loans 5.61%
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| Loan yields | 5.96% | the first quarter of 2026 | — |
| Organic deposit growth | 7% | the first quarter of 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
SBCF
this stock
Seacoast Banking Corp Of Florida
|
$3.44B | +11.7% | — | — | 5.4% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SBCF | -1.3% | +5.2% | +6.7% | +1.1% | +11.7% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -0.9% | +2.3% | -4.9% | -1.9% | -1.0% |
Capital returns
Latest dividend
$0.19
/ share · ex Jun 15, 2026
Declared · upcoming
$0.19
/ share · ex Sep 15, 2026
Paid (TTM)
$0.75
/ share · 4 payouts
Dividend yield (TTM, derived)
2.14%
Buyback program
· as of Dec 31, 2023
Authorized
shares 800,000
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.