The historical rank and industry rank for Seacoast Banking of Florida's Net Margin % or its related term are showing as below:
SBCF'
s Net Margin % Range Over the Past 10 Years
Min: 16.46 Med: 23.73 Max: 35.88
Current: 21.5
SBCF's Net Margin % is ranked worse than 66.99% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs SBCF: 21.50
Seacoast Banking of Florida (NAS:SBCF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Seacoast Banking of Florida Net Margin % Related Terms
Seacoast Banking of Florida Net Margin % 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.
For the Banks - Regional subindustry, Seacoast Banking of Florida's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Seacoast Banking of Florida's Net Margin % distribution charts can be found below:
* The bar in red indicates where Seacoast Banking of Florida's Net 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 Net Margin % of 19.47% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Seacoast Banking of Florida and its competitors. This is 18% below median its historical median of 23.73. Over the past decade, Seacoast Banking of Florida's Net Margin % has ranged from 16.46 to 35.88. According to the industry distribution chart, Seacoast Banking of Florida ranks #1023 out of 1527 companies in the Banks industry, placing it in the top 67%.
Is Seacoast Banking of Florida's Net Margin % too high?
Seacoast Banking of Florida's current Net Margin % of 19.47% is 18% below median its 10-year median of 23.73. Over the past 10 years, this metric has ranged from a low of 16.46 to a high of 35.88. The Banks industry median Net Margin % is 26.95. Seacoast Banking of Florida's value of 19.47% is 27.8% below this industry median. Based on the distribution chart, Seacoast Banking of Florida ranks #1023 out of 1527 companies in the Banks industry, which is below 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 Net Margin % compare to BANC and NIC?
According to the Banks industry distribution chart, Seacoast Banking of Florida ranks #1023 out of 1527 companies for Net Margin %. This places Seacoast Banking of Florida in the lower half of its industry. The industry median Net Margin % is 26.95. Seacoast Banking of Florida's value of 19.47% is 27.8% below this benchmark. Historically, Seacoast Banking of Florida's own Net Margin % has ranged from 16.46 to 35.88 over the past decade. While the company's 10-year median is 23.73 vs. the industry median of 26.95, Seacoast Banking of Florida has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Seacoast Banking of Florida's current Net Margin % of 19.47% is 27.8% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Seacoast Banking of Florida and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seacoast Banking of Florida's current Net Margin % is 19.47%, which is 18% below median its own 10-year median of 23.73. 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 Net Margin % is 19.47%, which is 18% below median its 10-year median of 23.73 and 27.8% below the Banks industry median of 26.95. Seacoast Banking of Florida's overall GF Score™ is 63/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Seacoast Banking of Florida (SBCF), the current Net Margin % is 19.47% 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:
Net Margin %: 19.47% (18% below median its 10-year median of 23.73)
GF Value™: $32.06 vs. price of $32.46 (1.2% above fair value)
Industry Position: 27.8% below the Banks median (#1023 of 1527)
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
Get the complete analysis for SBCF
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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