
SBCF Stock Forecast & Price Target
SBCF Analyst Ratings
Bulls say
Seacoast Banking Corp of Florida demonstrated significant growth in loan originations, achieving approximately $903 million in the fourth quarter of 2024, reflecting an impressive 37% quarter-over-quarter increase and an 89% year-over-year rise, highlighting a diverse portfolio in commercial real estate and commercial and industrial lending. The company's operating earnings per share (EPS) estimates for 2025 and 2026 have been revised upward, indicating a positive trajectory in profitability, supported by a clear path to EPS accretion and strong capital ratios that position Seacoast favorably for further consolidation opportunities in Florida. Additionally, the bank's robust liquidity, with around $6.1 billion available and a decrease in the cost of deposits to 2.08%, enhances its financial stability and operational efficiency, further contributing to a positive outlook.
Bears say
Seacoast Banking Corp of Florida is facing a negative outlook due to a decline in its commercial loan pipeline, which decreased by $139.2 million quarter-over-quarter, suggesting potential vulnerability in future loan production amid economic uncertainties. The company may experience increased nonperforming assets and net charge-offs as economic conditions potentially worsen, leading to shortfalls in net income relative to earnings per share estimates. Additionally, operational risks from potential acquisitions, regulatory concerns, and the bank's prior interest rate sensitivity illustrate the challenges that could contribute to earnings volatility and decreased credit quality.
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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