Seacoast Banking (SBCF)
Florida-centered commercial and consumer bank with wealth, mortgage, and insurance services.
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Provides commercial and consumer banking, mortgage lending, wealth management, and insurance through a branch-and-digital network centered on Florida and extending into Georgia. Interest on loans is the core earnings engine, with substantial exposure to commercial and residential real estate and smaller fee streams from deposits, advisory, mortgage, and insurance services.
Provides commercial and consumer banking, mortgage lending, wealth management, and insurance through Seacoast National Bank, mobile and online channels, and a full-service branch network across Florida and Georgia. Deposit funding and interest earned on commercial, commercial real estate, residential real estate, and consumer loans drive the core economics, while deposit service charges and advisory, mortgage, and insurance fees add smaller revenue streams.
Builds relationships through local bankers and local credit decisions, pairing branch coverage with digital access. Organic expansion and opportunistic bank acquisitions have broadened a Florida-centered franchise into Georgia, and the Heartland and Villages integrations are complete. The loan book remains concentrated in commercial and residential real estate collateral, especially in Florida, while capital, consumer-protection, deposit-insurance, and merger-approval requirements constrain operations.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jul 30, 2026 | Piper Sandler | Reiterate | Rating: —Target: $34 | Target: $35.50 |
| Jun 22, 2026 | Piper Sandler | Reiterate | Rating: —Target: $32.50 | Target: $34 |
| Apr 30, 2026 | Piper Sandler | Reiterate | Rating: —Target: $33.50 | Target: $32.50 |
| Nov 3, 2025 | Piper Sandler | Target | Target: — | Target: $33.50 |
| Oct 7, 2025 | Raymond James | Target | Target: $31 | Target: $33 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $5.37B · Total debt $1.32B · Total assets $21.36B · Shareholders' equity $3.07B
- Revenue
- $255.6M
- Operating income
- $48.3M
- Net income
- $59.5M
HistoryDividendAnnual yield
| Institutions | 92.15% | 89.23M shares | |
|---|---|---|---|
| 306 holders · as of Jun 30, 2026 | |||
| Insiders | 0.95% | 916.6K shares | |
| 21 holders · as of Sep 17, 2026 | |||
| Other | 6.90% | 6.68M shares | |
| remainder | |||
96.82M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 14.44% | 13.98M | as of Jun 30, 2026 |
State Street CorpInstitution | 5.73% | 5.54M | as of Jun 30, 2026 |
North Reef Capital Management L.P.Institution | 5.40% | 5.22M | filed Apr 23, 2025 |
North Reef Capital Management LPInstitution | 4.93% | 4.78M | as of Jun 30, 2026 |
Wellington Management Group LLPInstitution | 4.63% | 4.48M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 16, 2026 | Dennis S. Iii Hudson | director | −12,000 | $34.15 |
| Aug 27, 2026 | Juliette Kleffel | officer: EVP, Chief Operating Officer | −14,831 | $34.31 |
| Jul 1, 2026 | Dennis S. Iii Hudson | director | −4,000 | $34.00 |
| Jun 16, 2026 | Dennis S. Iii Hudson | director | −8,000 | $31.41 |
| May 6, 2026 | James C. Iii Stallings | officer: EVP, Chief Credit Officer | −7,552 | $31.16 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Seacoast Banking | $33.00 | −0.89% | $3.24B | 21.5 | 12.4 | 3.4 | +38.7% |
| SouthState | $102.82 | −0.28% | $10.00B | 10.8 | 10.5 | 3.1 | +1.2% |
| BankUnited | $44.23 | −0.49% | $3.23B | 12.5 | 10.4 | 1.7 | +3.9% |
| Amerant Bancorp | $29.44 | −0.34% | $1.16B | 21.3 | 11.7 | 2.0 | −7.2% |
| Ameris Bancorp | $83.07 | +0.08% | $5.59B | 15.0 | 12.3 | 3.3 | +5.5% |
| Hancock Whitney | $73.90 | −0.83% | $6.05B | 14.6 | 10.6 | 3.1 | +7.8% |
| ServisFirst Bancshares | $41.93 | +0.02% | $4.58B | 14.3 | 12.3 | 4.4 | +27.6% |
| Median | 14.4 | 11.1 | 3.1 | +4.7% |