
SBCF Stock Forecast & Price Target
SBCF Analyst Ratings
Bulls say
Seacoast Banking Corp of Florida has demonstrated strong financial performance, highlighted by a core net interest margin (NIM) expansion of 5 basis points quarter-over-quarter to 3.29%, surpassing previous expectations. Additionally, the reported NIM has increased by 10 basis points, bolstered by higher levels of fair value accretion, indicating effective asset management. Consequently, the company's profitability outlook has improved, with return on assets (ROA) projections for 2026 rising to approximately 1.30%, up from 1.10%.
Bears say
Seacoast Banking experienced a -2% decline in deposits quarter-over-quarter, with the loan-to-deposit ratio decreasing to 85%, indicating potential liquidity challenges. The company faces significant risks from integration issues following recent acquisitions, as well as the possibility of loan growth not meeting expectations, which could negatively impact net interest margin (NIM) and net interest income (NII) forecasts. Additionally, while the bank is characterized as having conservative financial practices and strong capital levels, the threat of increasing credit costs presents an ongoing headwind that could further strain overall 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
Start investing in SBCF
Order type
Buy in
Order amount
Est. shares
0 shares