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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Seacoast Banking of Florida's Debt-to-Equity or its related term are showing as below:
SBCF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.05 Med: 0.21 Max: 1.11
Current: 0.29
During the past 13 years, the highest Debt-to-Equity Ratio of Seacoast Banking of Florida was 1.11. The lowest was 0.05. And the median was 0.21.
SBCF's Debt-to-Equity is ranked better than 68.99% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs SBCF: 0.29
Seacoast Banking of Florida (NAS:SBCF) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Seacoast Banking of Florida Debt-to-Equity Related Terms
Seacoast Banking of Florida Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SBCF vs BANC, BOH, TOWN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Seacoast Banking of Florida's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Seacoast Banking of Florida Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Seacoast Banking of Florida's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Seacoast Banking of Florida's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Seacoast Banking of Florida (SBCF) has a Debt-to-Equity of 0.29 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Seacoast Banking of Florida and its competitors. This is 38% above median its historical median of 0.21. Over the past decade, Seacoast Banking of Florida's Debt-to-Equity has ranged from 0.05 to 1.11. According to the industry distribution chart, Seacoast Banking of Florida ranks #441 out of 1422 companies in the Banks industry, placing it in the top 31%.
Is Seacoast Banking of Florida's Debt-to-Equity too high?
Seacoast Banking of Florida's current Debt-to-Equity of 0.29 is 38% above median its 10-year median of 0.21. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 1.11. The Banks industry median Debt-to-Equity is 0.57. Seacoast Banking of Florida's value of 0.29 is 49.1% below this industry median. Based on the distribution chart, Seacoast Banking of Florida ranks #441 out of 1422 companies in the Banks industry, which is above the industry midpoint. Overall, Seacoast Banking of Florida has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Seacoast Banking of Florida's Debt-to-Equity compare to BANC and BOH?
According to the Banks industry distribution chart, Seacoast Banking of Florida ranks #441 out of 1422 companies for Debt-to-Equity. This puts Seacoast Banking of Florida in the upper half of its industry. The industry median Debt-to-Equity is 0.57. Seacoast Banking of Florida's value of 0.29 is 49.1% below this benchmark. Historically, Seacoast Banking of Florida's own Debt-to-Equity has ranged from 0.05 to 1.11 over the past decade. While the company's 10-year median is 0.21 vs. the industry median of 0.57, Seacoast Banking of Florida has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Seacoast Banking of Florida's current Debt-to-Equity of 0.29 is 49.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Seacoast Banking of Florida and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seacoast Banking of Florida's current Debt-to-Equity is 0.29, which is 38% above median its own 10-year median of 0.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Seacoast Banking of Florida stock overvalued right now?
Based on GuruFocus' analysis, Seacoast Banking of Florida (SBCF) is currently considered Fairly Valued. The stock's GF Value™ is $32.78, compared to a current price of $33.48 — trading 2.1% above its estimated fair value. The current Debt-to-Equity is 0.29, which is 38% above median its 10-year median of 0.21 and 49.1% below the Banks industry median of 0.57. Seacoast Banking of Florida's overall GF Score™ is 64/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Seacoast Banking of Florida (SBCF), the current Debt-to-Equity is 0.29 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Seacoast Banking of Florida (SBCF) Overvalued in 2026?
Based on GuruFocus' analysis, Seacoast Banking of Florida stock appears to be overvalued.
The current stock price of $33.48 is trading 2.1% above its estimated GF Value™ of $32.78.
GuruFocus considers Seacoast Banking of Florida to be Fairly Valued.
Key valuation signals for SBCF:
Debt-to-Equity: 0.29 (38% above median its 10-year median of 0.21)
GF Value™: $32.78 vs. price of $33.48 (2.1% above fair value)
Industry Position: 49.1% below the Banks median (#441 of 1422)
No single metric tells the full story. See the SBCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Seacoast Banking Corp of Florida is a holding company. The company provides integrated financial services, including commercial and consumer banking, wealth management, and mortgage and insurance services, to customers across Florida through branch, mobile, and online banking solutions. It maintains day-to-day operations, particularly in the areas of operations, treasury management systems, information technology, and security. The company has one reportable segment that provides these integrated financial services, with segment revenues driven mainly by interest and fees on loans, interest on cash and cash equivalents, and investment securities, and fees on depository products and services.
64GF Score
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