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Seacoast Banking of FloridaSBCF +0.17%64 Forward Rate of Return (Yacktman) % is 12.59% as of Jun. 2026, which is 33% below its 10-year median of 18.88. GuruFocus rates SBCF with a GF Score™ of 64/100 and a GF Value™ of $34.26 (Fairly Valued). The stock has 8 warning signs investors should review. Among 1,418 Banks companies, Seacoast Banking of Florida ranks worse than 64.39% on this metric.
Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. Seacoast Banking of Florida's forward rate of return for was 12.59%.
The historical rank and industry rank for Seacoast Banking of Florida's Forward Rate of Return (Yacktman) % or its related term are showing as below:
SBCF'
s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 12.05 Med: 18.88 Max: 26.34
Current: 12.37
During the past 13 years, Seacoast Banking of Florida's highest Forward Rate of Return was 26.34. The lowest was 12.05. And the median was 18.88.
SBCF's Forward Rate of Return (Yacktman) % is ranked worse than 64.39% of 1418
companies
in the Banks industry
Industry Median: 15.565
vs SBCF: 12.37
Unlike the Earnings Yield %, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Seacoast Banking of Florida (NAS:SBCF) Forward Rate of Return (Yacktman) % Explanation
Unlike the Earnings Yield, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of Book Value per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is to make it comparable to the growth rate.
Be Aware
In the Forward Rate of Return calculation, the growth rate is added directly to today's free cash flow yield. Therefore the calculation is reliable only if the company can grow at the same rate in the future as it did in the past. Investors should pay close attention to this when researching growth stocks. A more accurate measurement for return is Return on Capital.
Seacoast Banking of Florida Forward Rate of Return (Yacktman) % Related Terms
Seacoast Banking of Florida Forward Rate of Return (Yacktman) % Historical Data
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The historical data trend for Seacoast Banking of Florida's Forward Rate of Return (Yacktman) % can be seen below:
* 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 Forward Rate of Return (Yacktman) % Chart
SBCF vs BANC, BOH, TOWN: Forward Rate of Return (Yacktman) % Comparison
For the Banks - Regional subindustry, Seacoast Banking of Florida's Forward Rate of Return (Yacktman) %, along with its competitors' market caps and Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % vs Banks Industry
For the Banks industry and Financial Services sector, Seacoast Banking of Florida's Forward Rate of Return (Yacktman) % distribution charts can be found below:
* The bar in red indicates where Seacoast Banking of Florida's Forward Rate of Return (Yacktman) % falls into.
Seacoast Banking of Florida Forward Rate of Return (Yacktman) % Calculation
Forward Rate of Return is a concept that Don Yacktman uses in his investment approach. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. He said in the interview (March 2012, when the S&P 500 was at about 1400):
If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.
The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).
* 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.
What does a Forward Rate of Return (Yacktman) % of 12.59% mean?
Seacoast Banking of Florida (SBCF) has a Forward Rate of Return (Yacktman) % of 12.59% as of Jun. 2026. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Seacoast Banking of Florida and its competitors. This is 33% below median its historical median of 18.88. Over the past decade, Seacoast Banking of Florida's Forward Rate of Return (Yacktman) % has ranged from 12.05 to 26.34. According to the industry distribution chart, Seacoast Banking of Florida ranks #913 out of 1418 companies in the Banks industry, placing it in the top 64.4%.
Is Seacoast Banking of Florida's Forward Rate of Return (Yacktman) % too high?
Seacoast Banking of Florida's current Forward Rate of Return (Yacktman) % of 12.59% is 33% below median its 10-year median of 18.88. Over the past 10 years, this metric has ranged from a low of 12.05 to a high of 26.34. The Banks industry median Forward Rate of Return (Yacktman) % is 15.57. Seacoast Banking of Florida's value of 12.59% is 19.1% below this industry median. Based on the distribution chart, Seacoast Banking of Florida ranks #913 out of 1418 companies in the Banks industry, which is below the industry midpoint. Overall, Seacoast Banking of Florida has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Seacoast Banking of Florida's Forward Rate of Return (Yacktman) % compare to BANC and BOH?
According to the Banks industry distribution chart, Seacoast Banking of Florida ranks #913 out of 1418 companies for Forward Rate of Return (Yacktman) %. This places Seacoast Banking of Florida in the lower half of its industry. The industry median Forward Rate of Return (Yacktman) % is 15.57. Seacoast Banking of Florida's value of 12.59% is 19.1% below this benchmark. Historically, Seacoast Banking of Florida's own Forward Rate of Return (Yacktman) % has ranged from 12.05 to 26.34 over the past decade. While the company's 10-year median is 18.88 vs. the industry median of 15.57, 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 Forward Rate of Return (Yacktman) % for a Banks company?
The median Forward Rate of Return (Yacktman) % among Banks companies is 15.57, based on 1,418 companies in the industry. Companies in the top quartile (top 25%) have a Forward Rate of Return (Yacktman) % significantly above this median, while those in the bottom quartile fall well below. However, Forward Rate of Return (Yacktman) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Seacoast Banking of Florida's current Forward Rate of Return (Yacktman) % of 12.59% is 19.1% 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 Forward Rate of Return (Yacktman) % mean?
A high Forward Rate of Return (Yacktman) % can signal that a stock is expensive relative to its fundamentals. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Seacoast Banking of Florida and its competitors. For the Banks industry, the median Forward Rate of Return (Yacktman) % is 15.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seacoast Banking of Florida's current Forward Rate of Return (Yacktman) % is 12.59%, which is 33% below median its own 10-year median of 18.88. 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 $34.26, compared to a current price of $34.37 — trading 0.3% above its estimated fair value. The current Forward Rate of Return (Yacktman) % is 12.59%, which is 33% below median its 10-year median of 18.88 and 19.1% below the Banks industry median of 15.57. Seacoast Banking of Florida's overall GF Score™ is 64/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward Rate of Return (Yacktman) % calculated?
Forward Rate of Return (Yacktman) % is calculated from a company's financial statements. For Seacoast Banking of Florida (SBCF), the current Forward Rate of Return (Yacktman) % is 12.59% as of Jun. 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 $34.37 is trading 0.3% above its estimated GF Value™ of $34.26.
GuruFocus considers Seacoast Banking of Florida to be Fairly Valued.
Key valuation signals for SBCF:
Forward Rate of Return (Yacktman) %: 12.59% (33% below median its 10-year median of 18.88)
GF Value™: $34.26 vs. price of $34.37 (0.3% above fair value)
Industry Position: 19.1% below the Banks median (#913 of 1418)
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.
64GF Score
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