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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Seacoast Banking of Florida's Total Liabilities for the quarter that ended in Mar. 2026 was $18,084.4 Mil. Seacoast Banking of Florida's Total Assets for the quarter that ended in Mar. 2026 was $21,145.1 Mil.
Therefore, Seacoast Banking of Florida's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 was 0.86.
Seacoast Banking of Florida (NAS:SBCF) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Seacoast Banking of Florida Liabilities-to-Assets Related Terms
Seacoast Banking of Florida Liabilities-to-Assets 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.
Seacoast Banking of Florida Liabilities-to-Assets Chart
SBCF vs BANC, BOH, TOWN: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, Seacoast Banking of Florida's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Seacoast Banking of Florida's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Seacoast Banking of Florida's Liabilities-to-Assets falls into.
Seacoast Banking of Florida Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Seacoast Banking of Florida's Liabilities-to-Assets 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 Liabilities-to-Assets of 0.86 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Seacoast Banking of Florida and its competitors.
Is Seacoast Banking of Florida's Liabilities-to-Assets too high?
Seacoast Banking of Florida's current Liabilities-to-Assets is 0.86. 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 Liabilities-to-Assets compare to BANC and BOH?
Seacoast Banking of Florida's Liabilities-to-Assets of 0.86 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Seacoast Banking of Florida and its competitors. Seacoast Banking of Florida's current Liabilities-to-Assets is 0.86. 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 $32.95, compared to a current price of $35.38 — trading 7.4% above its estimated fair value. The current Liabilities-to-Assets is 0.86. Seacoast Banking of Florida's overall GF Score™ is 63/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Seacoast Banking of Florida (SBCF), the current Liabilities-to-Assets is 0.86 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 $35.38 is trading 7.4% above its estimated GF Value™ of $32.95.
GuruFocus considers Seacoast Banking of Florida to be Fairly Valued.
Key valuation signals for SBCF:
Liabilities-to-Assets: 0.86
GF Value™: $32.95 vs. price of $35.38 (7.4% above fair value)
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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