
SBCF Stock Forecast & Price Target
SBCF Analyst Ratings
Bulls say
Seacoast Banking Corp of Florida has demonstrated a positive trend in its net interest margin (NIM), with core NIM (excluding acquisition yields) expanding by 5 basis points quarter-over-quarter to 3.29%, surpassing earlier expectations. This improvement in NIM, supported by higher levels of fair value accretion, has led to a substantial increase in profitability forecasts, with the return on assets (ROA) projections for 2026 rising to approximately 1.30% from 1.10%. Such growth in profitability metrics highlights the company's strong financial health and operational efficiency, contributing to a favorable outlook for its stock.
Bears say
Seacoast Banking Corp of Florida experienced a decline in deposits by 2% quarter-over-quarter, reflecting challenges in a seasonally tough environment, which has resulted in a loan-to-deposit (L/D) ratio of 85%. The company faces significant risks from integration problems related to its recent acquisitions, as well as potential shortfalls in loan growth that could negatively impact its net interest margin (NIM) and net interest income (NII) forecasts. Furthermore, while the company maintains strong capital levels, increased credit costs across the industry may pose additional challenges to its financial performance.
This aggregate rating is based on analysts' research of Seacoast Banking Corporation of Florida and is not a guaranteed prediction by Public.com or investment advice.
SBCF Analyst Forecast & Price Prediction
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