SBCF (Seacoast Banking of Florida) Moat Score: 5/10 (As of Jun. 28, 2026)


SBCF Seacoast Banking Corp of Florida SBCF
62 GF Score
Price $33.47
GF Value $32.06
Valuation Fairly Valued
! 8 Warning Signs
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What is Seacoast Banking of Florida Moat Score?

Seacoast Banking of Florida SBCF +3.05% 62 Moat Score is 5 as of Jun. 28, 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. Among 1,614 Banks companies, Seacoast Banking of Florida ranks better than 94.05% on this metric.

Seacoast Banking of Florida has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Seacoast Banking of Florida has Narrow Moat: Seacoast Banking Corp of Florida has a solid narrow moat due to its regional market leadership and customer loyalty. The company benefits from economies of scale and some pricing power, but lacks significant regulatory barriers or innovation to qualify for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Seacoast Banking of Florida might have Narrow Moat - Solid narrow moat.

Seacoast Banking of Florida  (NAS:SBCF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Seacoast Banking of Florida Moat Score Related Terms

SBCF vs BOH, BANC, TOWN: Moat Score Comparison

For the Banks - Regional subindustry, Seacoast Banking of Florida's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Seacoast Banking of Florida's Moat Score distribution charts can be found below:

* The bar in red indicates where Seacoast Banking of Florida's Moat Score falls into.


SBCF
62GF Score
Seacoast Banking Corp of Florida SBCF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Seacoast Banking of Florida (SBCF) has a Moat Score of 5 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Seacoast Banking of Florida ranks #96 out of 1614 companies in the Banks industry, placing it in the top 5.9%.
Is Seacoast Banking of Florida's Moat Score too high?
Seacoast Banking of Florida's current Moat Score is 5. Based on the distribution chart, Seacoast Banking of Florida ranks #96 out of 1614 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 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Seacoast Banking of Florida's Moat Score compare to BOH and BANC?
According to the Banks industry distribution chart, Seacoast Banking of Florida ranks #96 out of 1614 companies for Moat Score. This places Seacoast Banking of Florida in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Seacoast Banking of Florida's current Moat Score is 5. 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 $33.47 — trading 4.4% above its estimated fair value. The current Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Seacoast Banking of Florida (SBCF), the current Moat Score is 5 as of Jun. 28, 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 $33.47 is trading 4.4% above its estimated GF Value™ of $32.06. GuruFocus considers Seacoast Banking of Florida to be Fairly Valued.

Key valuation signals for SBCF:

  • Moat Score: 5
  • GF Value™: $32.06 vs. price of $33.47 (4.4% 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

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

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$33.47
Price
$32.06
GF Value