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Seacoast Banking Corporation of Florida (SBCF) — RQD Stock Rating Cockpit

$33.22 +1.34% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $33.24

Seacoast Banking Corporation of Florida (SBCF) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $3.22B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $33.24 (+0.05%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 4.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SBCF)Realized 20D OHLCV Swing Band: ±4.6%

Deterministic 5-Pillar Attribution (68/100 Composite)

🔍 WHY SBCF SCORES 68/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (24% of score)

FRED Regime × Technicals: 60% of 52W Range • RSI-14 at 51.3 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (21% of score)

20D Institutional Volume Accumulation (±4.6% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality11/20 pts (-9 pt drag)

Capital intensity & 0% operating margin leave 9 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$31.74+2.5% Next Q

Q2 (-2Q)

Grade C+$32.54+3.1% Next Q

Q3 (-1Q)

Grade C+$33.56-1% Next Q

Current

Grade C+$33.22+1.8% Hist 90D α

Trajectory: C (60) → C+ (68)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SBCF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 68/100 (C+) score, SBCF faces multiple-compression risk if 22.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($33.20) or 200D SMA ($32.49) invalidates the momentum regime and cuts Target Base ($34.71) toward Bear Floor ($27.07).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SBCF• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “SBCF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 68%NO 32%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

51.330 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE60% OF RANGE

L: $29$33.22H: $36

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B-RQD 28 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on SBCF

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (55)

5.3% ROIC with 42.0% gross margin and 5.85% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (73)

28/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like SBCF

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (SBCF Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

SBCF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +5.56%▼ DESCENDING CHANNEL

2026-10-30O $33.43H $33.43L $32.82C $33.22VOL 790.2K

RES: $34.96SUP: $30.71SMA50: $33.20SMA200: $32.49

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SBCF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SBCF Butterfly Map → + Track SBCF →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

15.9%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SBCF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SBCF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for SBCF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SBCF)

Financials Rank #221 of 1096 ⚔️ MCHB vs SBCF Full Matrix →

1. Head-to-Head Financials Peer Comparison (SBCF vs. MCHB, PRK, FHB, CBU)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Seacoast Banking Corporation of Florida (SBCF) ranks #221 by composite RQD confidence (68/100, grade C+) and #353 by equity capitalization ($3.22B). Within this direct 5-issuer industry benchmark cohort, FHB leads on earnings valuation at 11.3x trailing P/E, while PRK leads on capital efficiency and profitability with 13.3% ROIC and — gross margin. PRK currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with SBCF at 68/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
SBCF ACTIVE Seacoast Banking Corporation of Florida	C+	68/100	22.2x	—	5.3%	+1.34%	$3.22B	Benchmark Subject
MCHB Mechanics Bancorp (Class A)	D+	58/100	12.2x	—	9.3%	-1.81%	$3.23B	/mchb-vs-sbcf →
PRK Park National Corporation	B	73/100	18.2x	—	13.3%	+1.53%	$3.27B	/prk-vs-sbcf →
FHB First Hawaiian Inc.	C	63/100	11.3x	—	3.0%	+0.87%	$3.12B	/fhb-vs-sbcf →
CBU Community Financial System Inc.	C	63/100	15.8x	—	10.5%	+0.96%	$3.33B	/cbu-vs-sbcf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000730708

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Seacoast Banking Corporation of Florida (SBCF) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $144.9M, operating cash flow of $188.1M, and free cash flow of $188.1M (+4.5% YoY). On the balance sheet, SBCF closed FY2025 with $20.84B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$144.9M	$188.1M	$188.1M	$20.84B	—
FY2024 (FY)	2024-12-31	$0	$121.0M	$179.9M	$179.9M	$15.18B	—
FY2023 (FY)	2023-12-31	$0	$104.0M	$150.6M	$150.6M	—	—

3. SBCF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SBCF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Seacoast Banking Corporation of Florida (NASDAQ: SBCF) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $33.22 (+1.34% 1D, market cap $3.22B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, SBCF ranks #221 in composite RQD confidence.

How does SBCF compare to MCHB and PRK in the Financials sector?

Within the Financials sector (Major Banks), SBCF carries a Roarable C+ (68/100 RQD), trailing P/E of 22.2x, gross margin of —, and ROIC of 5.3%. By comparison, MCHB (Mechanics Bancorp (Class A)) holds a D+ grade (58/100 RQD, P/E 12.2x, ROIC 9.3%, cap $3.23B) and PRK (Park National Corporation) posts a B grade (73/100 RQD, P/E 18.2x, ROIC 13.3%, cap $3.27B). Among the 5-stock peer group, FHB leads on earnings multiple (11.3x) while PRK leads on capital efficiency (13.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for SBCF?

Per SBCF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000730708), Seacoast Banking Corporation of Florida generated $0 in revenue, $144.9M in net income, and $188.1M in free cash flow against $20.84B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is SBCF trading relative to its 50-day, 200-day, and 52-week technical levels?

SBCF last traded at $33.22 (+1.34% on volume of 699,024 shares), positioning the stock +0.06% above its 50-day simple moving average ($33.20) and +2.25% above its 200-day simple moving average ($32.49). Across its 52-week range of $28.69 to $36.27, SBCF sits at the 59.8% percentile with a 14-day RSI of 51.3 (NEUTRAL RANGE) and an implied next-earnings move of ±4.6% ($31.69 to $34.75).

SBCF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell SBCF stock right now?

Seacoast Banking Corporation of Florida (SBCF) currently earns a Roarable Rating of C+ (Hold — HOLD) with 68/100 RQD Confidence. Solid steady margins (5% return on capital), mixed timing at 22x P/E—hold if owned, no rush to chase.

What is SBCF's 12-month price target and RQD AI Jury consensus?

SBCF's 12-month base price target is $34.71 (range $27.07 to $40.96), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: SBCF RQD Cockpit SBCF 12M Forecast SBCF Earnings & Move SBCF Dividends & DRIP SBCF Insiders & 13F SBCF Whale Options SBCF Profit Sankey SBCF News & Why