Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Seacoast Banking of Florida's PEG is 1. Seacoast Banking of Florida's 5-Year TTM Book Value Growth Rate is 5.9.
Seacoast Banking of Florida's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was $1.84. Therefore, the Peter Lynch Fair Value for today is $10.86.
The historical rank and industry rank for Seacoast Banking of Florida's Peter Lynch Fair Value or its related term are showing as below:
SBCF'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.69 Med: 1.36 Max: 2.86
Current: 2.66
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of Seacoast Banking of Florida was 2.86. The lowest was 0.69. And the median was 1.36.
SBCF's Price-to-Peter-Lynch-Fair-Value is ranked worse than 91.85% of 871
companies
in the Banks industry
Industry Median: 1.11
vs SBCF: 2.66
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Seacoast Banking of Florida (NAS:SBCF) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 5.9 instead of 15 in this case.
Seacoast Banking of Florida's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
32.93
/
10.86
=
3.03
* 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 Peter Lynch Fair Value Related Terms
Seacoast Banking of Florida Peter Lynch Fair Value 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 Peter Lynch Fair Value Chart
SBCF vs BOH, BANC, TOWN: Peter Lynch Fair Value Comparison
For the Banks - Regional subindustry, Seacoast Banking of Florida's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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 Price-to-Peter-Lynch-Fair-Value vs Banks Industry
For the Banks industry and Financial Services sector, Seacoast Banking of Florida's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Seacoast Banking of Florida's Price-to-Peter-Lynch-Fair-Value falls into.
Seacoast Banking of Florida's EPS without NRI for the trailing twelve months (TTM) uses the latest annual data, which was $1.84.
* Note that for companies that do not have enough quarterly data to calculate the 5-Year TTM EBITDA Growth Rate, we use the annual data for the calculation.
* 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.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of $10.86 mean?
Seacoast Banking of Florida (SBCF) has a Peter Lynch Fair Value of $10.86 as of Jul. 11, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Seacoast Banking of Florida and its competitors. This is 699% above median its historical median of 1.36. Over the past decade, Seacoast Banking of Florida's Peter Lynch Fair Value has ranged from 0.69 to 2.86. According to the industry distribution chart, Seacoast Banking of Florida ranks #800 out of 871 companies in the Banks industry, placing it in the top 91.8%.
Is Seacoast Banking of Florida's Peter Lynch Fair Value too high?
Seacoast Banking of Florida's current Peter Lynch Fair Value of $10.86 is 699% above median its 10-year median of 1.36. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 2.86. The Banks industry median Peter Lynch Fair Value is 1.11. Seacoast Banking of Florida's value of $10.86 is 878.4% above this industry median. Based on the distribution chart, Seacoast Banking of Florida ranks #800 out of 871 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Seacoast Banking of Florida has a GF Scoreâ„¢ 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 Peter Lynch Fair Value compare to BOH and BANC?
According to the Banks industry distribution chart, Seacoast Banking of Florida ranks #800 out of 871 companies for Peter Lynch Fair Value. This places Seacoast Banking of Florida in the lower half of its industry. The industry median Peter Lynch Fair Value is 1.11. Seacoast Banking of Florida's value of $10.86 is 878.4% above this benchmark. Historically, Seacoast Banking of Florida's own Peter Lynch Fair Value has ranged from 0.69 to 2.86 over the past decade. While the company's 10-year median is 1.36 vs. the industry median of 1.11, 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 Peter Lynch Fair Value for a Banks company?
The median Peter Lynch Fair Value among Banks companies is 1.11, based on 871 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Seacoast Banking of Florida's current Peter Lynch Fair Value of $10.86 is 878.4% 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 Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Seacoast Banking of Florida and its competitors. For the Banks industry, the median Peter Lynch Fair Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seacoast Banking of Florida's current Peter Lynch Fair Value is $10.86, which is 699% above median its own 10-year median of 1.36. 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 $32.46, compared to a current price of $32.93 — trading 1.4% above its estimated fair value. The current Peter Lynch Fair Value is $10.86, which is 699% above median its 10-year median of 1.36 and 878.4% above the Banks industry median of 1.11. 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 Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Seacoast Banking of Florida (SBCF), the current Peter Lynch Fair Value is $10.86 as of Jul. 11, 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 $32.93 is trading 1.4% above its estimated GF Value™ of $32.46.
GuruFocus considers Seacoast Banking of Florida to be Fairly Valued.
Key valuation signals for SBCF:
Peter Lynch Fair Value: $10.86 (699% above median its 10-year median of 1.36)
GF Value™: $32.46 vs. price of $32.93 (1.4% above fair value)
Industry Position: 878.4% above the Banks median (#800 of 871)
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
Peter Lynch Fair Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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