
SBCF Stock Forecast & Price Target
SBCF Analyst Ratings
Bulls say
Seacoast Banking Corp of Florida has demonstrated positive trends in its core net interest margin (NIM), which expanded by 5 basis points to 3.29%, surpassing expectations. Additionally, the reported NIM increased by 10 basis points due to slightly higher levels of fair value accretion, indicating improved profitability. Consequently, the company’s return on assets (ROA) projections for 2026 have been upgraded to approximately 1.30% from a previous estimate of 1.10%, reflecting a favorable outlook for future financial performance.
Bears say
Seacoast Banking Corp of Florida experienced a 2% decline in deposits quarter-over-quarter, which resulted in a loan-to-deposit (L/D) ratio of 85%, suggesting potential liquidity challenges. The company faces several risk factors, including integration issues from recent acquisitions and the possibility of lower-than-expected loan growth, which could negatively impact net interest margin (NIM) and net interest income (NII) forecasts. Additionally, while the company maintains a conservative approach and strong capital levels, increased credit costs pose a significant headwind that may affect its overall 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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