Seacoast Banking of FloridaSBCF +0.62%63 FCF Margin % is 42.41% as of Mar. 2026, which is 29% above its 10-year median of 32.83. GuruFocus rates SBCF with a GF Score™ of 63/100 and a GF Value™ of $32.06 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,504 Banks companies, Seacoast Banking of Florida ranks better than 60.57% on this metric.
* 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.
For the Banks - Regional subindustry, Seacoast Banking of Florida's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Seacoast Banking of Florida's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Seacoast Banking of Florida's FCF Margin % 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 FCF Margin % of 42.41% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Seacoast Banking of Florida and its competitors. This is 29% above median its historical median of 32.83. Over the past decade, Seacoast Banking of Florida's FCF Margin % has ranged from 18.21 to 48.02. According to the industry distribution chart, Seacoast Banking of Florida ranks #593 out of 1504 companies in the Banks industry, placing it in the top 39.4%.
Is Seacoast Banking of Florida's FCF Margin % too high?
Seacoast Banking of Florida's current FCF Margin % of 42.41% is 29% above median its 10-year median of 32.83. Over the past 10 years, this metric has ranged from a low of 18.21 to a high of 48.02. The Banks industry median FCF Margin % is 26.50. Seacoast Banking of Florida's value of 42.41% is 60% above this industry median. Based on the distribution chart, Seacoast Banking of Florida ranks #593 out of 1504 companies in the Banks industry, which is above the industry midpoint. Overall, Seacoast Banking of Florida has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Seacoast Banking of Florida's FCF Margin % compare to BANC and NIC?
According to the Banks industry distribution chart, Seacoast Banking of Florida ranks #593 out of 1504 companies for FCF Margin %. This puts Seacoast Banking of Florida in the upper half of its industry. The industry median FCF Margin % is 26.50. Seacoast Banking of Florida's value of 42.41% is 60% above this benchmark. Historically, Seacoast Banking of Florida's own FCF Margin % has ranged from 18.21 to 48.02 over the past decade. While the company's 10-year median is 32.83 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Seacoast Banking of Florida's current FCF Margin % of 42.41% is 60% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Seacoast Banking of Florida and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seacoast Banking of Florida's current FCF Margin % is 42.41%, which is 29% above median its own 10-year median of 32.83. 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 $32.06, compared to a current price of $32.46 — trading 1.2% above its estimated fair value. The current FCF Margin % is 42.41%, which is 29% above median its 10-year median of 32.83 and 60% above the Banks industry median of 26.50. Seacoast Banking of Florida's overall GF Score™ is 63/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Seacoast Banking of Florida (SBCF), the current FCF Margin % is 42.41% 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 $32.46 is trading 1.2% above its estimated GF Value™ of $32.06.
GuruFocus considers Seacoast Banking of Florida to be Fairly Valued.
Key valuation signals for SBCF:
FCF Margin %: 42.41% (29% above median its 10-year median of 32.83)
GF Value™: $32.06 vs. price of $32.46 (1.2% above fair value)
Industry Position: 60% above the Banks median (#593 of 1504)
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.
63GF Score
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