Seacoast Banking Corp. Of Florida (SBCF) intrinsic value & 10-year financials
Seacoast Banking Corp. Of Florida (SBCF) has a Graham intrinsic value of $33.40 per share. At $32.54 on Oct 17, 2026, the stock trades 3% below that value. Over the last 10 fiscal years revenue grew 11.8% a year to $5.6M, with an average return on invested capital of 6.2%.
- Graham intrinsic value
- $33.40
- Share price (Oct 17, 2026)
- $32.54
- Price vs Graham value
- 3% below
- Market cap
- $2.9B
- Revenue (FY2025)
- $5.6M
- Revenue growth (10-yr CAGR)
- 11.8%
- ROIC (10-yr avg)
- 6.2%
- Free cash flow (FY2025)
- —
SBCF 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $5.6M | $144.9M | $1.57 | — | — | 6.8% |
| FY2024 | $5.2M | $121.0M | $1.42 | — | — | 6.8% |
| FY2023 | $4.5M | $104.0M | $1.23 | — | — | 6.4% |
| FY2022 | $448.1M | $106.5M | $1.66 | — | — | 7.1% |
| FY2021 | $289.0M | $124.4M | $2.18 | — | — | — |
| FY2020 | $274.4M | $77.8M | $1.44 | — | — | — |
| FY2019 | $1.9M | $98.7M | $1.90 | — | — | — |
| FY2018 | $1.7M | $67.3M | $1.38 | — | — | 7.0% |
| FY2017 | $1.4M | $42.9M | $0.99 | — | — | 5.6% |
| FY2016 | $2.0M | $29.2M | $0.78 | — | — | 3.9% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
SEACOAST BANKING CORP OF FLORIDA is a consistent compounder, expanding top-line revenue at 11.8% annually over the past decade.
SEACOAST BANKING CORP OF FLORIDA has historically struggled to out-earn its cost of capital, averaging just 6.2% ROIC.
SEACOAST BANKING CORP OF FLORIDA has not shown aggressive share repurchases (>10% retirement) or a major balance-sheet leverage increase (>50% net debt growth) over the 10-year window.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, SEACOAST BANKING CORP OF FLORIDA is modeled at 8.1% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $33.40 per share.