SBCF (Seacoast Banking of Florida) LT-Debt-to-Total-Asset: 0.04 (As of Mar. 2026)

What is Seacoast Banking of Florida LT-Debt-to-Total-Asset?

Seacoast Banking of Florida SBCF -1.15% 62 LT-Debt-to-Total-Asset is 0.04 as of Mar. 2026. GuruFocus rates SBCF with a GF Score™ of 62/100 and a GF Value™ of $32.06 (Fairly Valued). The stock has 8 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Seacoast Banking of Florida's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.04.

Seacoast Banking of Florida's long-term debt to total assets ratio increased from Mar. 2025 (0.04) to Mar. 2026 (0.04). It may suggest that Seacoast Banking of Florida is progressively becoming more dependent on debt to grow their business.

Seacoast Banking of Florida (NAS:SBCF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Seacoast Banking of Florida LT-Debt-to-Total-Asset Related Terms

Seacoast Banking of Florida LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Seacoast Banking of Florida's LT-Debt-to-Total-Asset can be seen below:

* 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 LT-Debt-to-Total-Asset Chart

Seacoast Banking of Florida Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

Get a 7-Day Free Trial

0.01

0.02

0.01

0.02

0.05

Seacoast Banking of Florida Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.04	0.05	0.05	0.05	0.04

62GF Score

Seacoast Banking Corp of Florida SBCF

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

Seacoast Banking of Florida LT-Debt-to-Total-Asset Calculation

Seacoast Banking of Florida's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	947.761	/	20842.331
	=	0.05

Seacoast Banking of Florida's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	887.836	/	21145.147
	=	0.04

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.04 mean?

Seacoast Banking of Florida (SBCF) has a LT-Debt-to-Total-Asset of 0.04 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Seacoast Banking of Florida and its competitors.

Is Seacoast Banking of Florida's LT-Debt-to-Total-Asset too high?

Seacoast Banking of Florida's current LT-Debt-to-Total-Asset is 0.04. Overall, Seacoast Banking of Florida has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does Seacoast Banking of Florida's LT-Debt-to-Total-Asset compare to BOH and BANC?

Seacoast Banking of Florida's LT-Debt-to-Total-Asset of 0.04 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Seacoast Banking of Florida and its competitors. Seacoast Banking of Florida's current LT-Debt-to-Total-Asset is 0.04. 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 $33.09 — trading 3.2% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. Seacoast Banking of Florida's overall GF Score™ is 62/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Seacoast Banking of Florida (SBCF), the current LT-Debt-to-Total-Asset is 0.04 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 $33.09 is trading 3.2% above its estimated GF Value™ of $32.06. GuruFocus considers Seacoast Banking of Florida to be Fairly Valued.

Key valuation signals for SBCF:

LT-Debt-to-Total-Asset: 0.04
GF Value™: $32.06 vs. price of $33.09 (3.2% above fair value)
GF Score™: 62/100 with 8 warning signs

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 of Florida Business Description

Industry Financial Services Banks

Comparable Companies BOH BANC TOWN SFNC PRK PFS NIC MCHB FFBC CBU SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 815 Colorado Avenue, Stuart, FL, USA, 34994

Website https://www.seacoastbanking.com

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.

62GF Score

Get the complete analysis for SBCF

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$33.09

Price

$32.06

GF Value

View SBCF Analysis

See LT-Debt-to-Total-Asset data for all stocks →