Seacoast Banking of FloridaSBCF +1.60%63 Pretax Margin % is 24.98% as of Mar. 2026, which is 21% below its 10-year median of 31.49. GuruFocus rates SBCF with a GF Score™ of 63/100 and a GF Value™ of $32.06 (Fairly Valued). The stock has 8 warning signs investors should review. Among 1,527 Banks companies, Seacoast Banking of Florida ranks worse than 69.29% on this metric.
The historical rank and industry rank for Seacoast Banking of Florida's Pretax Margin % or its related term are showing as below:
SBCF'
s Pretax Margin % Range Over the Past 10 Years
Min: 23.66 Med: 31.49 Max: 45.78
Current: 27.61
SBCF's Pretax Margin % is ranked worse than 69.29% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs SBCF: 27.61
Seacoast Banking of Florida (NAS:SBCF) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Seacoast Banking of Florida Pretax Margin % Related Terms
Seacoast Banking of Florida Pretax 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.
SBCF vs BANC, NIC, PFS: Pretax Margin % Comparison
For the Banks - Regional subindustry, Seacoast Banking of Florida's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Seacoast Banking of Florida's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Seacoast Banking of Florida's Pretax 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 Pretax Margin % of 24.98% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Seacoast Banking of Florida and its competitors. This is 21% below median its historical median of 31.49. Over the past decade, Seacoast Banking of Florida's Pretax Margin % has ranged from 23.66 to 45.78. According to the industry distribution chart, Seacoast Banking of Florida ranks #1058 out of 1527 companies in the Banks industry, placing it in the top 69.3%.
Is Seacoast Banking of Florida's Pretax Margin % too high?
Seacoast Banking of Florida's current Pretax Margin % of 24.98% is 21% below median its 10-year median of 31.49. Over the past 10 years, this metric has ranged from a low of 23.66 to a high of 45.78. The Banks industry median Pretax Margin % is 34.88. Seacoast Banking of Florida's value of 24.98% is 28.4% below this industry median. Based on the distribution chart, Seacoast Banking of Florida ranks #1058 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 Pretax Margin % compare to BANC and NIC?
According to the Banks industry distribution chart, Seacoast Banking of Florida ranks #1058 out of 1527 companies for Pretax Margin %. This places Seacoast Banking of Florida in the lower half of its industry. The industry median Pretax Margin % is 34.88. Seacoast Banking of Florida's value of 24.98% is 28.4% below this benchmark. Historically, Seacoast Banking of Florida's own Pretax Margin % has ranged from 23.66 to 45.78 over the past decade. While the company's 10-year median is 31.49 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Seacoast Banking of Florida's current Pretax Margin % of 24.98% is 28.4% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Seacoast Banking of Florida and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seacoast Banking of Florida's current Pretax Margin % is 24.98%, which is 21% below median its own 10-year median of 31.49. 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 $32.98 — trading 2.9% above its estimated fair value. The current Pretax Margin % is 24.98%, which is 21% below median its 10-year median of 31.49 and 28.4% below the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Seacoast Banking of Florida (SBCF), the current Pretax Margin % is 24.98% 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 $32.98 is trading 2.9% above its estimated GF Value™ of $32.06.
GuruFocus considers Seacoast Banking of Florida to be Fairly Valued.
Key valuation signals for SBCF:
Pretax Margin %: 24.98% (21% below median its 10-year median of 31.49)
GF Value™: $32.06 vs. price of $32.98 (2.9% above fair value)
Industry Position: 28.4% below the Banks median (#1058 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
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