
SBCF Stock Forecast & Price Target
SBCF Analyst Ratings
Bulls say
Seacoast Banking Corp of Florida has demonstrated strong core net interest margin (NIM) performance, with a notable expansion of 5 basis points quarter-over-quarter to reach 3.29%, exceeding prior expectations. This improvement in NIM, attributed partially to elevated fair value accretion, reflects the company's effective asset management and competitive positioning in the market. Consequently, projections for return on assets (ROA) have been positively revised, with 2026 estimates increasing to approximately 1.30%, up from 1.10%, indicating enhanced profitability potential for the company.
Bears say
Seacoast Banking Corp of Florida has experienced a decline of 2% in deposits quarter-over-quarter, which raises concerns about liquidity as evidenced by its loan to deposit (L/D) ratio moving to 85%. The company faces significant risks related to integration challenges from recent acquisitions and a potential shortfall in loan growth, which could adversely affect net interest margin (NIM) and net interest income (NII) forecasts. Additionally, while the organization's conservative approach and strong capital levels may provide some buffer, increasing credit costs present an ongoing headwind that could impact 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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