SEACOAST BANKING OF FLORIDA (SBCF)
Financials · regional banks · NASDAQ
A prominent Florida-based regional bank holding company providing comprehensive financial services including commercial, consumer, and wealth management solutions.
What SEACOAST BANKING OF FLORIDA does
Seacoast Banking Corporation of Florida is a bank holding company that provides a full range of commercial and consumer banking services through its principal subsidiary, Seacoast National Bank. The company operates extensively throughout Florida, offering traditional deposit and loan products, wealth management, and mortgage banking services to both individuals and businesses.
Themes: regional banking, commercial real estate lending, wealth management, mortgage services, Florida financial services
Fundamentals
- Price$31.87 as of 2026-10-08 close
- Market cap$3.1B as of 2026-06-30 (share count; price 2026-10-08)
- 1-year return+0.6% 2025-10-08 close $31.69 → 2026-10-08 close $31.87
- P/E18.69 as of 2026-10-08
- ROE+5.3% FY2025, SEC XBRL
- Debt / equity0.16 as of 2026-09-02
- Beta0.97 as of 2026-09-02
- Last reported earnings2026-07-28 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +2.3%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How SBCF compares in its sector
- price-to-earnings ratiotop 25% 513 covered Financials peers, as of 2026-10-08
- return on equitybottom 25% 559 covered Financials peers, as of 2026-09-02
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-02
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage
Not assessed — last reported dividend predates the accounts. The most recent fiscal year in which SBCF reported a dividend payment is FY2009, while its reported financial statements run through FY2025. Coverage is therefore not assessed for the latest year — an FY2009 ratio would not describe SBCF today.
Coverage is derived from reported SEC EDGAR XBRL figures, comparing dividends paid against net income and free cash flow for the SAME fiscal year. It is not shown here because the latest fiscal year with a reported dividend payment (FY2009) is older than the latest year of reported financial statements (FY2025), so any ratio would describe an out-of-date year. Informational only — not financial advice.
How SEACOAST BANKING OF FLORIDA looks technically
SEACOAST BANKING OF FLORIDA (SBCF) is trading 1.9% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed above its 200-day average about 53 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 35, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 36, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 7 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 1.9% below its 200-day average, the long-term trend line — a long-term downtrend | -1.9% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $33.99 | $33.99 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $32.47 | $32.47 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that downward direction; the labelling fails if price closes above 32.99. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a completed three-part correction. | possible downward five-wave sequence, in wave 4 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 53 trading days ago — a "golden cross", a bullish long-term signal | 53 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 35, with sellers in control | 35.3 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 36, neither overbought (above 70) nor oversold (below 30) | 35.9 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($31.23 to $33.96) — its "stochastic" reading is 23 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 23.4 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 36 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $36.27 | $36.27 |
|---|---|---|
| From the 52-week high | it is 12.1% below its 52-week high (its highest price of the past year) | -12.1% |
| Above the 52-week low | it is 11.5% above its 52-week low (its lowest price of the past year) | +11.5% |
| Below the 52-week high | it is 12.1% below its highest point of the past year | 12.1% |
| Since a 20-day breakout | it made a new 20-day low about 7 trading days ago | 7 sessions |
| Since a 55-day breakout | it made a new 55-day low about 7 trading days ago | 7 sessions |
| All-time high | its highest closing price on record is $159.80 (set on 2006-08-31) | $159.80 |
| Given back of the 52-week move | over the past year its closes ranged ($28.80 to $36.13), and it has given back a bit over half of its rise from last year’s low — 58% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $31.37 to $31.60. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 58.1% |
| From the all-time high | it is 80.1% below its all-time high | -80.1% |
| Nearest price level | it is sitting right on a support level at $31.74 — a price it turned at 8 times since 2024-11-25, most recently on 2026-10-01. Since 2024-10-08 it has 10 such levels below the current price and 3 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.4% |
| All-time low | its lowest closing price on record is $5.50 (set on 2010-07-26) | $5.50 |
| Above the all-time low | it is 479.5% above its all-time low | +479.4% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 69th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.6718 between its high and its low — about 2.1% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.6718 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $31.35 and $34.49 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $31.35 – $32.92 – $34.49 |
| Typical daily range (% of price) | its price moves about 2.1% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.1% |
| Stretch from the 200-day average | it is trading 0.9 daily ranges below its 200-day average price (1.9% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 0.9 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.44× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a hammer | today, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | today |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.4% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.3% |
|---|---|---|
| Gap filled | a 3.0% gap down opened on 2026-07-31 has been "filled" 48 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 48 sessions ago |
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 8.7 percentage points (the stock lost 7.7% while the market gained 1.0%) | -8.7% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 3.8 percentage points (the stock gained 0.1% while the market gained 3.8%) | -3.8% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 14.0 percentage points (the stock gained 3.5% while the market gained 17.5%) | -14.0% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 14.4 percentage points (the stock gained 0.6% while the market gained 15.0%) | -14.4% |
Signal agreement
2
| Bullish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day — these describe past price behaviour, not a forecast | 1 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: trading below its 200-day average, MACD momentum is negative, a strong downtrend, with sellers in control, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 4.6% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 2.9% of the share price. | -4.6% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 2% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $32.61 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | -2.3% |
|---|---|---|
| Vs the average paid since it last reported | the price is 6% below the average price paid since it last reported on 2026-07-28 (its 8-K), so the typical buyer over that stretch is under water. That average is $33.98 — a volume-weighted average of daily closes over 52 sessions, not a true tick-by-tick VWAP. | -6.2% |
Falling wedge, bullish — forming · entry $32.25 · 54 sessions in
Head and shoulders, bearish — broke down · entry $33.04 · 59 sessions in
Price levels it has turned at before
SBCF last closed at $31.87 on 2026-10-08. Since 2024-10-08 it has turned at 10 prices below its last close and 3 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $31.74 | Support | 0.4% below the last close | turned there 8 times · 2024-11-25 to 2026-10-01 |
| $32.81 | Resistance | 3.0% above the last close | turned there 7 times · 2025-10-06 to 2026-09-10 |
| $30.75 | Support | 3.5% below the last close | turned there five times · 2024-11-06 to 2026-05-26 |
| $29.78 | Support | 6.6% below the last close | turned there 8 times · 2025-02-11 to 2026-06-03 |
| $34.62 | Resistance | 8.6% above the last close | turned there three times · 2026-07-02 to 2026-09-04 |
| $35.55 | Resistance | 11.6% above the last close | turned there three times · 2026-01-22 to 2026-08-04 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.
This labelling fails — stops being a possible reading at all — if it closes above $32.99.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $32.09 and $32.99 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a completed three-part correction, which fails on a close below $31.23.
This reading has stood for 9 trading days, since 2026-09-28.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · lagging the market · Printed a hammer candle after a decline · Under water since its last earnings report (below the anchored VWAP) · Trading below the Ichimoku cloud · Near a support level (sitting on a price it has bounced off before) | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (2.67 mean, 1=Strong Buy…5=Strong Sell) — 6 analysts
- Mean price target$37.04 range $35.50 – $38.75; median $37.00
Analyst estimates, as of 2026-10-05. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for SBCF
- Consensus EPS estimate$0.652 next reporting period, as of 2026-10-05
- Estimate change, 30 days$0.00 (0.0%) from $0.652, on 2026-08-31, 35-day window
- Readings revised upward13% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["fluctuations in interest rates affecting net interest margin","credit risk and potential for nonperforming assets in the loan portfolio","operational risks related to merger and integration activities"]
What changed in the latest 10-Q
AI-assisted comparison of SBCF's 10-Q filed 2026-05-06 against the prior one filed 2025-11-05.
Management's Discussion & Analysis (MD&A)
- Added:
- Added reference to 'sustained increase in commodity prices' in risk factors (filed 2026-05-06)
- Added comprehensive section on risks relating to bank acquisitions, including the merger with VBI, covering integration difficulties, cost synergies, regulatory capital treatment of Series A Non-Voting Convertible Preferred Stock, deposit and customer attrition, and market entry risks (filed 2026-05-06)
- Added 'Risks related to our implementation of new lines of business, new products and services, new technologies, and expansion of our existing business opportunities, including entering and/or expanding markets through de novo branching' (filed 2026-05-06)
- Added statement: 'The Company undertakes no obligation to update any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law' (filed 2026-05-06)
- Removed:
- Removed 'The Company undertakes no obligation to update any forward-looking statements except as required by law' was not present in older version - this was added not removed
- Removed detailed risk factor language regarding 'The risks of mergers, acquisitions and divestitures' (broader language present in older filing, replaced with VBI-specific merger language in newer)
- Removed 'Changes in borrower credit risks and payment behaviors, and changes in the availability and cost of credit and capital in the financial markets' as a separate bullet point (incorporated differently in newer version)
- Removed references to 'Statutory and regulatory dividend restrictions; increases in regulatory capital requirements for banking organizations generally' (filed 2025-11-05)
- Removed risk factors including cybersecurity risks related to generative AI, fraud/misconduct, risk management framework, vendor dependence, online/mobile platform termination risks, war/conflicts/terrorism/natural disasters, and internal controls language (filed 2025-11-05)
- Reworded:
- Changed comparison periods from 'three and nine months ended September 30, 2025 compared to...September 30, 2024' to 'three months ended March 31, 2026 compared to...March 31, 2025' (filed 2026-05-06)
- Changed balance sheet comparison from 'September 30, 2025 compared to December 31, 2024' to 'March 31, 2026 compared to December 31, 2025' (filed 2026-05-06)
- Changed 'Board of Governors of the Federal Reserve' to 'FRB' (filed 2026-05-06)
- Changed 'or as encountered by other financial institutions that adversely affect Seacoast, and including impacts' to 'or as encountered by other financial institutions that adversely affect Seacoast, and including impacts' (minor addition of clarifying language) (filed 2026-05-06)
- Changed 'The risks of continued changes in interest rates' to 'The risks of changes in interest rates' (removed 'continued') (filed 2026-05-06)
- Changed 'Changes in the prices, values and sales volumes of residential and CRE, especially' to 'Changes in the prices, values and sales volumes of residential and CRE properties, especially' (added 'properties') (filed 2026-05-06)
- Changed 'inaccuracies or other failures from the use of models, including the failure of assumptions and estimates' to include '(including with respect to our financial statements)' (filed 2026-05-06)
- Notes:
- The newer filing text appears truncated at 'The impact on the valuation of Seac' making complete comparison of all substantive content impossible
- The older filing text also appears truncated at 'Potential claims, damages, penalties, fines, costs and reput' making complete end-of-section comparison impossible
- Given the truncation, additional removals and changes may exist in the non-visible portions of both filings
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 2 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 30 days · read to 2026-10-040 buys · 1 sell ($409800) — 1 selling insider
- Last 90 days · read to 2026-10-040 buys · 2 sells ($918652) — 2 selling insiders
- Last 180 days · read to 2026-10-040 buys · 6 sells ($2M) — 4 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-16. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about SBCF's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
U.S. House trading disclosures
U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 5 matched disclosures for SBCF from U.S. House Clerk Periodic Transaction Report filings.
U.S. House trading disclosures →Institutional ownership (13F)
5 institutional 13F filers reported holding SBCF as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 20,178,849
- Reported value $670,946,738
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about SBCF's institutional holders → See what each manager we track holds →
Short interest (FINRA)
SBCF had 5,186,407 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
SBCF had 5.36% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 7.23 days to cover at the same settlement.
- Reported short interest (shares) 5,186,407
- Short interest (% of shares outstanding) 5.36%
- Prior settlement (shares) 4,725,965
- Reported change 9.74%
- Days to cover (reported) 7.23
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Truist Financial (TFC)
- Fifth Third Bancorp (FITB)
- Regions Financial (RF)
- SouthState Corporation (SSB)
- Synovus Financial (SNV)
- Hancock Whitney (HWC)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does SEACOAST BANKING OF FLORIDA (SBCF) do?
Seacoast Banking Corporation of Florida is a bank holding company that provides a full range of commercial and consumer banking services through its principal subsidiary, Seacoast National Bank. The company operates extensively throughout Florida, offering traditional deposit and loan products, wealth management, and mortgage banking services to both individuals and businesses.
What sector is SEACOAST BANKING OF FLORIDA (SBCF) in?
SEACOAST BANKING OF FLORIDA (SBCF) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Does SBCF pay a dividend?
Yes — SEACOAST BANKING OF FLORIDA (SBCF) pays a dividend, with an indicated yield of about 2.26% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-02). Informational only — not financial advice.
Who are SEACOAST BANKING OF FLORIDA's (SBCF) competitors?
Notable peers of SEACOAST BANKING OF FLORIDA (SBCF) include Truist Financial, Fifth Third Bancorp, Regions Financial, SouthState Corporation and Synovus Financial. This peer set is informational only — not financial advice.
Has there been recent U.S. House stock trading in SBCF?
Yes — we hold 5 matched STOCK Act disclosures for SBCF from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.
Is SEACOAST BANKING OF FLORIDA (SBCF) overbought or oversold right now?
SEACOAST BANKING OF FLORIDA (SBCF) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 36, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on SBCF come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.