Seacoast Banking Corp of Florida stock PB Ratio (=1.19) is close to 3-year high of 1.27.
The historical rank and industry rank for Seacoast Banking of Florida's PB Ratio or its related term are showing as below:
SBCF'
s PB Ratio Range Over the Past 10 Years
Min: 0.79 Med: 1.45 Max: 2.21
Current: 1.19
During the past 13 years, Seacoast Banking of Florida's highest PB Ratio was 2.21. The lowest was 0.79. And the median was 1.45.
SBCF's PB Ratio is ranked worse than 57.47% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs SBCF: 1.19
During the past 12 months, Seacoast Banking of Florida's average Book Value Per Share Growth Rate was 6.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Seacoast Banking of Florida was 18.70% per year. The lowest was -51.40% per year. And the median was 7.90% per year.
Back to Basics: PB Ratio
Seacoast Banking of Florida (NAS:SBCF) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Seacoast Banking of Florida PB Ratio Related Terms
Seacoast Banking of Florida PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Seacoast Banking of Florida's PB Ratio distribution charts can be found below:
* The bar in red indicates where Seacoast Banking of Florida's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Seacoast Banking of Florida (SBCF) has a PB Ratio of 1.19 as of Jun. 30, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Seacoast Banking of Florida and its competitors. This is 18% below median its historical median of 1.45. Over the past decade, Seacoast Banking of Florida's PB Ratio has ranged from 0.79 to 2.21. According to the industry distribution chart, Seacoast Banking of Florida ranks #873 out of 1519 companies in the Banks industry, placing it in the top 57.5%.
Is Seacoast Banking of Florida's PB Ratio too high?
Seacoast Banking of Florida's current PB Ratio of 1.19 is 18% below median its 10-year median of 1.45. Over the past 10 years, this metric has ranged from a low of 0.79 to a high of 2.21. The Banks industry median PB Ratio is 1.09. Seacoast Banking of Florida's value of 1.19 is 9.2% above this industry median. Based on the distribution chart, Seacoast Banking of Florida ranks #873 out of 1519 companies in the Banks industry, which is below the industry midpoint. 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 PB Ratio compare to BOH and BANC?
According to the Banks industry distribution chart, Seacoast Banking of Florida ranks #873 out of 1519 companies for PB Ratio. This places Seacoast Banking of Florida in the lower half of its industry. The industry median PB Ratio is 1.09. Seacoast Banking of Florida's value of 1.19 is 9.2% above this benchmark. Historically, Seacoast Banking of Florida's own PB Ratio has ranged from 0.79 to 2.21 over the past decade. While the company's 10-year median is 1.45 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Seacoast Banking of Florida's current PB Ratio of 1.19 is 9.2% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Seacoast Banking of Florida and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seacoast Banking of Florida's current PB Ratio is 1.19, which is 18% below median its own 10-year median of 1.45. 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 $33.15 — trading 3.4% above its estimated fair value. The current PB Ratio is 1.19, which is 18% below median its 10-year median of 1.45 and 9.2% above the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Seacoast Banking of Florida (SBCF), the current PB Ratio is 1.19 as of Jun. 30, 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 $33.15 is trading 3.4% above its estimated GF Value™ of $32.06.
GuruFocus considers Seacoast Banking of Florida to be Fairly Valued.
Key valuation signals for SBCF:
PB Ratio: 1.19 (18% below median its 10-year median of 1.45)
GF Value™: $32.06 vs. price of $33.15 (3.4% above fair value)
Industry Position: 9.2% above the Banks median (#873 of 1519)
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.
62GF Score
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