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Richard Sloan from the University of Michigan was first to document what is referred to as the "accrual anomaly". His 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones.
As of Mar. 2026, Seacoast Banking of Florida has a Sloan Ratio of 0.20%, indicating the company is in the safe zone and there is no funny business with accruals.
Seacoast Banking of Florida (NAS:SBCF) Sloan Ratio % Explanation
A former University of Michigan researcher, Richard Sloan's 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones. In fact, for the 40-year period between 1962 and 2001, buying the lowest accrual companies and shorting the highest accrual companies resulted in an average annual compounded return of 18%, more than double the S&P 500's 7.4% annual return over the same period.
If the Sloan Ratio is between -10% and 10%, the company is in the safe zone and there is no funny business with accruals.
If the Sloan Ratio is less than between -25% and -10% on the negative side, and between 10% and 25% on the positive side, this is a warning stage of accrual build up.
If the Sloan Ratio is less than -25% or greater than 25%, and this ratio is consistent over several quarters or even years, be careful. Earnings are highly likely to be made up of accruals.
As of Mar. 2026, Seacoast Banking of Florida has a Sloan Ratio of 0.20%, indicating the company is in the safe zone and there is no funny business with accruals.
Seacoast Banking of Florida Sloan Ratio % Related Terms
Seacoast Banking of Florida Sloan 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 Sloan Ratio %, along with its competitors' market caps and Sloan 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 Sloan Ratio % vs Banks Industry
For the Banks industry and Financial Services sector, Seacoast Banking of Florida's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where Seacoast Banking of Florida's Sloan Ratio % falls into.
Seacoast Banking of Florida Sloan Ratio % Calculation
Earnings contain a lot of non cash earnings which is called accruals. The Sloan ratio is a way to identify firms with low non-cash or accrual-derived earnings relative to their cash flow.
Seacoast Banking of Florida's Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was 42.687 (Jun. 2025 ) + 36.467 (Sep. 2025 ) + 34.26 (Dec. 2025 ) + 31.895 (Mar. 2026 ) = $145.3 Mil.
Seacoast Banking of Florida's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was 72.327 (Jun. 2025 ) + 30.215 (Sep. 2025 ) + 54.513 (Dec. 2025 ) + 71.785 (Mar. 2026 ) = $228.8 Mil.
Seacoast Banking of Florida's Cash Flow from Investing for the trailing twelve months (TTM) ended in Mar. 2026 was -381.002 (Jun. 2025 ) + 46.448 (Sep. 2025 ) + 141.106 (Dec. 2025 ) + 67.981 (Mar. 2026 ) = $-125.5 Mil.
* 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 Sloan Ratio % of 0.20% as of Mar. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Seacoast Banking of Florida and its competitors.
Is Seacoast Banking of Florida's Sloan Ratio % too high?
Seacoast Banking of Florida's current Sloan Ratio % is 0.20%. 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 Sloan Ratio % compare to BOH and BANC?
Seacoast Banking of Florida's Sloan Ratio % of 0.20% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Sloan Ratio % for a Banks company?
A good Sloan Ratio % depends on the Banks industry context. However, Sloan Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Sloan Ratio % mean?
A high Sloan Ratio % can signal that a stock is expensive relative to its fundamentals. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Seacoast Banking of Florida and its competitors. Seacoast Banking of Florida's current Sloan Ratio % is 0.20%. 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 $32.76, compared to a current price of $33.48 — trading 2.2% above its estimated fair value. The current Sloan Ratio % is 0.20%. 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 Sloan Ratio % calculated?
Sloan Ratio % is calculated from a company's financial statements. For Seacoast Banking of Florida (SBCF), the current Sloan Ratio % is 0.20% 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 $33.48 is trading 2.2% above its estimated GF Value™ of $32.76.
GuruFocus considers Seacoast Banking of Florida to be Fairly Valued.
Key valuation signals for SBCF:
Sloan Ratio %: 0.20%
GF Value™: $32.76 vs. price of $33.48 (2.2% above fair value)
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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