Seacoast Banking Corporation of Florida (SBCF): one to watch?

Not actually a crashed stock — it's near multi-year highs; the "78% down" is from a 2006 pre-financial-crisis peak that's irrelevant today.

👀 WATCH Fundamentals56/100

Down 78% from its all-time high of $153.55 — now $33.38

Why SBCF dropped

The "all-time high" comparison is a red herring from 2006, before the 2008-09 financial crisis gutted Florida bank stocks industry-wide; today SBCF is only 2.8% below its 30-day high and has been rallying on solid fundamentals, recent acquisitions (Heartland Bank, Villages Bancorporation), and improving net interest margins.

Fwd P/E 12.3Op margin 38.5%Rev growth 24.1%Debt/equity —Analyst upside 4.4%

How this scored 56/100

✅ Passes all 4 hard checks — profitable, cash-generative, and financially survivable.

✅ Makes money Net profit margin 23.1%

✅ Generates cash Free cash flow unknown

✅ Not drowning in debt Debt/equity unknown — exempt (banks run on leverage by design)

✅ Can pay its bills Exempt (financials)

Bar length shows how much each metric is worth — a 10-point metric is twice as wide as a 5-point one. Hover any row for what it means.

Profitability Does it actually make money? 17/25

Operating margin 38.5% 9/9

Net profit margin 23.1% 8/8

Return on equity 5.5% 0/8

Growth Is it getting bigger, or dying? 17/25

Revenue growth 24.1% 9/9

Earnings growth -21.0% 0/8

Expected profit change 83.4% 8/8

Value Is it cheap right now? 14/25

Forward P/E 12.3 9/10

PEG ratio 1.6 5/8

Analyst target upside 4.4% 1/7

Balance sheet Will it survive? 8/25

Debt / equity unknown 3/10

Current ratio unknown 2/8

Free cash flow unknown 2/7

🔒 Read the full AI analysis

Create a free account to unlock the bull case and the risks for SBCF — plus today's other picks.

Analysis generated by SmartStonks's AI from public fundamentals and news, first flagged 2026-07-23. Research only — not financial advice.