Seacoast Banking Corporation of Florida

SBCF

$34.38

+0.70%

N/A+$0.24

Financial Services

Banks - Regional

NASDAQ

Active Trading

Seacoast Banking Corporation of Florida serves as the parent holding company for Seacoast National Bank, providing a diverse range of financial solutions ...

Key Metrics of SBCF

Snapshot

Latest / TTM · 6 periods

Market Cap

$3.34B

ROCE

4.3%

EV / EBITDA

17.31x

+1.8% YoY

FCF Yield

6.2%

-0.3% YoY

Cash Conversion Cycle

0.0d

Current Ratio

0.31

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Key Metrics

Latest / TTM · 6 periods

Valuation trend

Valuation trend table

Metric	2021	2022	2023	2024	2025	TTM
Market CapTotal market value of all shares outstanding.	$2.00B	$1.99B	$2.38B	$2.32B	$2.77B	$3.34B
Enterprise ValueCompany value including debt and cash adjustments.	$1.46B	$2.19B	$2.46B	$2.43B	$3.93B	$4.47B
EV / SalesHow many dollars investors pay per dollar of sales.	4.11x	4.90x	3.21x	3.00x	4.52x	4.71x
EV / EBITDAValuation multiple versus operating earnings before non-cash charges.	9.41x	14.71x	18.29x	13.86x	17.37x	17.31x
Net Debt / EBITDALeverage ratio using net debt divided by EBITDA.	-3.52	1.35	0.58	0.60	5.11	4.37

Returns + ROCE gauge

ROCE latest

4.3%

Prev year 2.5%

Returns + ROCE gauge table

Metric	2021	2022	2023	2024	2025	TTM
ROEProfit generated from shareholders' equity.	9.5%	6.6%	4.9%	5.5%	4.7%	5.6%
ROAProfit generated from total assets.	1.3%	0.9%	0.7%	0.8%	0.7%	0.8%
ROICReturn generated on invested operating capital.	-2.3%	-1.4%	-1.2%	-1.4%	-2.2%	-1.6%
ROCEOperating return on long-term capital used.	10.6%	6.9%	5.5%	5.8%	2.5%	4.3%
Earnings YieldEarnings as a percentage of market value.	6.2%	5.4%	4.4%	5.2%	5.2%	4.9%

Cash flow quality

Cash flow quality table

Metric	2021	2022	2023	2024	2025	TTM
FCFFCash flow available to all capital providers.	$156.69M	$194.26M	$295.87M	$403.79M	$398.64M	$441.59M
FCFECash flow available to equity holders after debt flows.	$117.25M	$188.21M	$-104.68M	$370.87M	$768.89M	$336.94M
FCF YieldFree cash flow divided by market capitalization.	7.5%	9.2%	5.9%	7.6%	6.4%	6.2%
Income QualityHow well accounting earnings are backed by cash flow.	1.24	1.84	1.45	1.49	1.30	1.35
Capex / OCFShare of operating cash flow spent on capital expenditures.	2.8%	6.5%	6.8%	2.2%	4.9%	5.2%

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	TTM
DSOAverage days to collect cash from customers.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d
DIOAverage days inventory stays before being sold.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d
DPOAverage days the company takes to pay suppliers.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d
Operating CycleTime from buying inventory to collecting receivables.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d
Cash Conversion CycleNet days cash is tied in operations.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d

Snapshot

Latest / TTM: —

Market Cap

$3.34B

ROE

5.6%

FCF Yield

6.2%

Current Ratio

0.31

Upstream

FIS (Fidelity National Information Services)NYSE:FIS Fiserv, Inc.NASDAQ:FI nCino, Inc.NASDAQ:NCNODenodo TechnologiesHewlett Packard Enterprise / Juniper NetworksNYSE:JNPR NCR Atleos CorporationNYSE:NATLQuavo, Inc.Visa Inc.NYSE:V Allpoint Network (a division of NCR Atleos)NYSE:NATL Google Cloud (Alphabet Inc.)NASDAQ:GOOGL Salesforce, Inc.NYSE:CRMSmartBiz (now part of LendingClub / Enova)Unconfirmed

Downstream

Retail Banking Customers (Individuals & Families across Florida)Commercial & SME Banking Customers (Florida-based businesses)Wealth Management & Trust ClientsMortgage Borrowers (Florida homebuyers)Publix Super Markets, Inc.U.S. Small Business Administration (SBA)SBA Loan Secondary Market Investors

Proxies

SouthState CorporationNASDAQ:SSB Ameris BancorpNASDAQ:ABCB Seacoast Banking Corporation of FloridaNASDAQ:SBCF Fidelity National Information Services (FIS)NYSE:FIS Fiserv, Inc.NASDAQ:FI

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Seacoast Banking Corporation of Florida

Key Metrics of SBCF

Key Metrics

Valuation trend

Returns + ROCE gauge

Cash flow quality

Operating efficiency

Snapshot

Supply Chain of SBCF

Upstream

Downstream

Proxies

Key Metrics of SBCF

Key Metrics

Valuation trend

Returns + ROCE gauge

Cash flow quality

Operating efficiency

Snapshot

Supply Chain of SBCF

Upstream

Downstream

Proxies