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Seacoast Banking of Florida (NAS:SBCF) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Seacoast Banking of Florida Equity-to-Asset Related Terms
Seacoast Banking of Florida Equity-to-Asset 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: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Seacoast Banking of Florida's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Seacoast Banking of Florida's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Seacoast Banking of Florida's Equity-to-Asset falls into.
Seacoast Banking of Florida Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Seacoast Banking of Florida's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.14 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Seacoast Banking of Florida and its competitors. This is near median its historical median of 0.13. Over the past decade, Seacoast Banking of Florida's Equity-to-Asset has ranged from 0.09 to 0.15. According to the industry distribution chart, Seacoast Banking of Florida ranks #256 out of 1524 companies in the Banks industry, placing it in the top 16.8%.
Is Seacoast Banking of Florida's Equity-to-Asset too high?
Seacoast Banking of Florida's current Equity-to-Asset of 0.14 is near median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.15. The Banks industry median Equity-to-Asset is 0.10. Seacoast Banking of Florida's value of 0.14 is 40% above this industry median. Based on the distribution chart, Seacoast Banking of Florida ranks #256 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Seacoast Banking of Florida has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Seacoast Banking of Florida's Equity-to-Asset compare to BANC and BOH?
According to the Banks industry distribution chart, Seacoast Banking of Florida ranks #256 out of 1524 companies for Equity-to-Asset. This places Seacoast Banking of Florida in the top 17% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Seacoast Banking of Florida's value of 0.14 is 40% above this benchmark. Historically, Seacoast Banking of Florida's own Equity-to-Asset has ranged from 0.09 to 0.15 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.10, Seacoast Banking of Florida has consistently been above 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Seacoast Banking of Florida's current Equity-to-Asset of 0.14 is 40% above 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Seacoast Banking of Florida and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seacoast Banking of Florida's current Equity-to-Asset is 0.14, which is near median its own 10-year median of 0.13. 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 $33.04, compared to a current price of $35.57 — trading 7.7% above its estimated fair value. The current Equity-to-Asset is 0.14, which is near median its 10-year median of 0.13 and 40% above the Banks industry median of 0.10. Seacoast Banking of Florida's overall GF Score™ is 61/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Seacoast Banking of Florida (SBCF), the current Equity-to-Asset is 0.14 as of Jun. 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 $35.57 is trading 7.7% above its estimated GF Value™ of $33.04.
GuruFocus considers Seacoast Banking of Florida to be Fairly Valued.
Key valuation signals for SBCF:
Equity-to-Asset: 0.14 (near median its 10-year median of 0.13)
GF Value™: $33.04 vs. price of $35.57 (7.7% above fair value)
Industry Position: 40% above the Banks median (#256 of 1524)
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.
61GF Score
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