Seacoast Banking Corporation of Florida (SBCF) Fair Value 2026

SBCF · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.0 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (18/100)

Quick Summary — As of 2026-08-28, Seacoast Banking Corporation of Florida (SBCF) trades at $34.37, versus a $17.78 median fair value across its 5 active models — 48.3% below the current price. QOC: 8.0/10. Value Trap Risk: 18/100 (SAFE). 5/13 models active.

Key Facts

Ticker
SBCF
Price
$34.37
Quality Score
8.0/10
Value Trap Risk
18/100
Models Active
5/13
Last Updated
Strength: 5 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Seacoast Banking Corporation of Florida (SBCF) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Seacoast Banking Corporation of Florida (SBCF) appears overvalued as of : the median of 5 independent fair value estimates is $17.78, 48.3% below the current price of $34.37. Estimates range from $12.01 to $42.60. SBCF scores 8.0/10 on fundamental quality and 18/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. SBCF’s -48.3% gap is wider than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Seacoast Banking Corporation of Florida Stock in 2026? →

What Fair Value Does Each Model Give SBCF?

5 Intrinsic Value Models vs. Current Price ($34.37)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $17.78 -48.3%
Intrinsic · High Conviction
 $12.89 -62.5%
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What Is SBCF's Fair Value Range?

Spread across 5 independent models · $12.01 to $42.60

CirclFi's 5 active models place Seacoast Banking Corporation of Florida (SBCF) between $12.01 and $42.60 per share, a spread of 172% of the median. The median of that range — $17.78 — is the fair value CirclFi publishes for SBCF, against a current price of $34.37.

Low · ML-RIVHigh · Regime Cross
$12.01median $17.78$42.60
Where the range comes from
Most bearish modelML Residual Income$12.01
Most bullish modelRegime Cross-Sectional$42.60
Model agreement1 bullish · 4 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for SBCF. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on SBCF, not a CirclFi price target. How each model works →

What Is Seacoast Banking Corporation of Florida (SBCF) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Seacoast Banking Corporation of Florida's intrinsic value is estimated at $17.78. Trading at its current price of $34.37, the valuation engine raises significant caution: 4 of 5 models flag downside risk, projecting a median implied return of -48.3%. Notably, Regime Cross sees the most upside at +23.9% (fair value: $42.60), while ML-RIV is the most conservative at -65.1% ($12.01). The spread between these extremes — +89.0% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About SBCF?

5 of 13 models are currently active for SBCF. Of these, 1 model suggests upside while 4 models suggest overvaluation. Taken together, their median fair value for SBCF is $17.78 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does SBCF Rank in Banks - Regional?

Among 352 Banks - Regional stocks, SBCF ranks #177 by Quality of Company score. CirclFi's QOC score of 8.0/10 evaluates 32 fundamental signals. A score of 8.0 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to financial institution businesses. For Seacoast Banking Corporation of Florida, metrics like non-performing loan ratio provide important context that general-purpose valuation models may underweight.

Is SBCF a Value Trap?

CirclFi's Value Trap algorithm assigns SBCF a score of 18/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Seacoast Banking Corporation of Florida. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Seacoast Banking Corporation of Florida scores 8.0 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +89.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every SBCF valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across SBCF's 5 active models, average confidence is 34%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Seacoast Banking Corporation of Florida Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

10 related Banks - Regional stocks with 13-model coverage

BANRBanner CorporationQOC 8.0BVFLBV Financial, Inc.QOC 8.0WNEBWestern New England Bancorp, Inc.QOC 8.0HWCHancock Whitney CorporationQOC 8.0SPFISouth Plains Financial, Inc.QOC 8.0CZFSCitizens Financial Services, Inc.QOC 8.0TFINTriumph Financial, Inc.QOC 7.5STBAS&T Bancorp, Inc.QOC 9.3CFRCullen/Frost Bankers, Inc.QOC 8.4ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: BANR · BVFL · WNEB · HWC · SPFI · CZFS · TFIN · STBA · CFR · ESQ

Which Other Stocks Have a Similar Quality Score to SBCF?

4 companies across all industries closest to SBCF’s Quality of Company score of 8.0/10.

LUVSouthwest Airlines Co.QOC 8.0RDDTReddit, Inc.QOC 8.0MKSIMKS Inc.QOC 8.0NVDANVIDIA CorporationQOC 10.0

Read investment analysis: LUV · RDDT · MKSI · NVDA

Where Does SBCF Sit in CirclFi's Banks - Regional Rankings?

SBCF is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Seacoast Banking Corporation of Florida’s Valuation?

What is Seacoast Banking Corporation of Florida's intrinsic value in 2026?

CirclFi puts Seacoast Banking Corporation of Florida (SBCF)'s intrinsic value at $17.78 — the median of 5 independent model estimates as of 2026-08-28, ranging from $12.01 to $42.60. The Quality of Company score is 8.0/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is SBCF overvalued or undervalued right now?

At $34.37, 1 of 5 active models suggest SBCF may be undervalued, while 4 indicate potential overvaluation. The median of all 5 fair value estimates is $17.78, 48.3% below the current price of $34.37 — a consensus view that SBCF is overvalued. The assessment depends on which methodology best fits Seacoast Banking Corporation of Florida's business model in Banks - Regional.

What does a Quality of Company score of 8.0 mean for SBCF?

Seacoast Banking Corporation of Florida's QOC of 8.0/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on SBCF?

CirclFi analyzes SBCF with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on SBCF?

Of the 5 models currently active on SBCF, Regime Cross-Sectional is the most bullish at $42.60 per share, and ML Residual Income is the most bearish at $12.01. CirclFi's published fair value for SBCF is the median of that range, $17.78, not either extreme. The gap between the two ends equals 172% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is SBCF a value trap in 2026?

Seacoast Banking Corporation of Florida's Value Trap score is 18/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Seacoast Banking Corporation of Florida (SBCF) has a median fair value of $17.78 — 48.3% below the current price of $34.37 — as of 2026-08-28.” Source: circlfi.com/stock/SBCF/ · Methodology
Primary sources for this SBCF valuation

Market data for SBCF as of ; valuations recomputed .

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