NASDAQ: SBCF · Regional Banks
Seacoast Banking Corporation of Florida (SBCF) fair value and price range
As of 27 Sep 2026, Faircurve's model values Seacoast Banking Corporation of Florida (SBCF) at $20.95 a share. The stock last closed at $32.68, which puts the model's fair value 35.9% below the price. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
Revalued . Price is the close of 2 Oct 2026. Seacoast Banking Corporation of Florida.
Faircurve Insights · 27 Sep 2026
Seacoast Banking Corporation of Florida serves as the parent holding company for Seacoast National Bank. The company provides financial solutions to individual consumers and businesses across Florida.
Faircurve's model valued Seacoast Banking Corporation of Florida on 27 Sep 2026 at $20.95 a share, the midpoint of 2,000 simulations. The previous run on 19 Sep 2026 gave $21.38, so the fair value moved -2.0%. The calibrated range over 63 trading days is $17.58 to $25.54, built from the fair value, and ranges built this way held the price 60% of the time at this horizon. The model grades the evidence behind this valuation as low.
The comparable companies the model uses are CVB Financial Corp., Community Bank System, Inc., BankUnited, Inc., Park National Corporation, First Hawaiian, Inc., Simmons First National Corporation, First Financial Bancorp., and Provident Financial Services, Inc. The moves around the last 8 earnings reports were 28 Jul 2026 +2.5%, 28 Apr 2026 -1.1%, 29 Jan 2026 -0.4%, 27 Oct 2025 -1.2%, 24 Jul 2025 -0.6%, 24 Apr 2025 +9.1%, 27 Jan 2025 +6.2%, and 24 Oct 2024 -2.1%.
Written from the figures on this page for the 27 Sep 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
What price range does the model give SBCF?
The calibrated range for SBCF over 63 trading days is $17.58 to $25.54. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 4,327 past valuations, refreshed 26 Sep 2026). Ranges built this way held the price 60% of the time at this horizon.
The price is above this range. For names with fair value 15%+ below price, the calibrated range has held the price 40% of the time over 63 trading days, and 58% ended above it; the typical move was −0.1%.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $16.26 to $26.49. In 6% of the simulations the fair value came out above the price the model ran on.
How does SBCF compare with similar companies?
The companies in regional banks closest to Seacoast Banking Corporation of Florida in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| CVBF CVB Financial Corp. | $22.28 | $15.26 | -31.5% | Overvalued |
| CBU Community Bank System, Inc. | $60.69 | $40.50 | -33.3% | Overvalued |
| BKU BankUnited, Inc. | $43.38 | $45.97 | +6.0% | Fairly valued |
| PRK Park National Corporation | $183.15 | $134.97 | -26.3% | Overvalued |
| FHB First Hawaiian, Inc. | $25.26 | $23.23 | -8.0% | Overvalued |
| SFNC Simmons First National Corporation | $22.90 | $20.44 | -10.7% | Overvalued |
| FFBC First Financial Bancorp. | $31.87 | $27.78 | -12.8% | Fairly valued |
| PFS Provident Financial Services, Inc. | $22.58 | $23.93 | +6.0% | Fairly valued |
When does SBCF report earnings, and how has the stock reacted?
Seacoast Banking Corporation of Florida's next earnings report is scheduled for 26 Oct 2026. Companies can move their dates.
How SBCF moved around its last 8 earnings reports
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across these 8 reports, ignoring direction, was 1.6%.
| Report date | Two session move |
|---|---|
| 28 Jul 2026 | +2.5% |
| 28 Apr 2026 | -1.1% |
| 29 Jan 2026 | -0.4% |
| 27 Oct 2025 | -1.2% |
| 24 Jul 2025 | -0.6% |
| 24 Apr 2025 | +9.1% |
| 27 Jan 2025 | +6.2% |
| 24 Oct 2024 | -2.1% |
Seacoast Banking Corporation of Florida at a glance
Seacoast Banking Corporation of Florida serves as the parent holding company for Seacoast National Bank, providing a diverse range of financial solutions to individual consumers and businesses across Florida.
- Market value
- $3.2B
- Sector
- Financial Services
- Industry
- Regional Banks
- Consensus revenue growth, next fiscal year
- -2.2%
- Analysts with estimates
- 4
- Beta to the US market
- 0.79
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices Seacoast Banking Corporation of Florida on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 19 Sep 2026 the model's fair value for SBCF was $21.38. As of 27 Sep 2026 it is $20.95, a change of -2.0%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about Seacoast Banking Corporation of Florida's valuation
Is Seacoast Banking Corporation of Florida stock undervalued or overvalued?
Faircurve's model puts SBCF's fair value at $20.95 a share against a last close of $32.68, as of 27 Sep 2026. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
What is SBCF's fair value?
$20.95 a share as of 27 Sep 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $16.26 to $26.49.
What price range does the model give SBCF?
$17.58 to $25.54 over 63 trading days. Ranges built this way held the price 60% of the time across 4,327 past valuations, refreshed 26 Sep 2026.
When does Seacoast Banking Corporation of Florida report earnings next?
The next report is scheduled for 26 Oct 2026. Companies can move their dates.
How much has SBCF moved on past earnings reports?
Across its last 8 reports the median two session move was 1.6%, ignoring direction. The largest was +9.1% around the report of 24 Apr 2025.
How confident is the model in this valuation?
The model's evidence grade for SBCF is low. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.