Stock Ratings / Financials / SBCF / dividends

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Seacoast Banking Corporation of Florida (SBCF) Dividend Safety Gauge & 10-Year DRIP Compounder

$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 61/100 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 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $3.22B

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on SBCF Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SBCF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, 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 61/100 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 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, SBCF ranks #404 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SBCF compare to MCHB and PRK in the Financials sector?

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Within the Financials sector (Major Banks), SBCF carries a Roarable C- (61/100 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 (53/100 RQD, P/E 12.2x, ROIC 9.3%, cap $3.23B) and PRK (Park National Corporation) posts a C+ grade (66/100 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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SBCF?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

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 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY • 53.9% 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 C

Each axis scored 0–20

12M PRICE TARGET CONE+1.4% Base Target

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

Deterministic 5-Pillar Attribution (61/100 Composite)

🔍 WHY SBCF SCORES 61/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

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

Q1 (-3Q)

Grade C-$31.83+0.8% Next Q

Q2 (-2Q)

Grade C$32.07+5% Next Q

Q3 (-1Q)

Grade C$33.66-1.3% Next Q

Current

Grade C-$33.22+0.5% Hist 90D α

Trajectory: C- (53) → C- (61)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 61/100 (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 ($33.17) or 200D SMA ($32.49) invalidates the momentum regime and cuts Target Base ($33.67) toward Bear Floor ($26.26).

🎲 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 61%NO 39%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.4K

Yr 2

$12.2K

Yr 3

$13.0K

Yr 4

$13.9K

Yr 5

$14.8K

Yr 6

$15.8K

Yr 7

$16.9K

Yr 8

$18.1K

Yr 9

$19.3K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in SBCF & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on SBCF and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal 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: +7.44%📐 HORIZONTAL RANGE

2026-11-02O $32.78H $33.22L $32.78C $33.22VOL 699.0K

RES: $35.12SUP: $30.68SMA50: $33.17SMA200: $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 #404 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 #404 by composite RQD confidence (61/100, 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 66/100 (C+) compared with SBCF at 61/100 (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-	61/100	22.2x	—	5.3%	+1.34%	$3.22B	Benchmark Subject
MCHB Mechanics Bancorp (Class A)	D+	53/100	12.2x	—	9.3%	-1.81%	$3.23B	/mchb-vs-sbcf →
PRK Park National Corporation	C+	66/100	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	65/100	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?

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

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

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 +0.15% above its 50-day simple moving average ($33.17) 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 53.3 (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

Does SBCF pay a dividend and is it safe?

Seacoast Banking Corporation of Florida (SBCF) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

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