
SBCF Stock Forecast & Price Target
SBCF Analyst Ratings
Bulls say
Seacoast Banking Corp has demonstrated strong performance in its core net interest margin (NIM), which expanded by 5 basis points quarter-over-quarter to reach 3.29%, surpassing prior expectations. The overall reported NIM increased by 10 basis points, benefiting from slightly elevated levels of fair value (FV) accretion, indicating improved yield generation on its assets. Consequently, the company has seen a positive adjustment in its profitability forecast, with return on assets (ROA) projections for 2026 rising to approximately 1.30%, up from 1.10%, reflecting enhanced financial health and operational efficiency.
Bears say
Seacoast Banking Corp of Florida experienced a 2% decline in deposits on a quarterly basis, which raised concerns regarding its liquidity as the loan-to-deposit (L/D) ratio increased to 85%. Integration risks associated with recent acquisitions, along with potential shortfalls in loan growth that could adversely affect net interest margin (NIM) and net interest income (NII), pose significant challenges for the company moving forward. Additionally, the potential for increased credit costs to impact the broader industry further complicates the outlook for Seacoast Banking.
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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