Is Seacoast Banking Corp. of Florida overvalued or undervalued?

As of 21 November 2025, the valuation grade for Seacoast Banking Corp. of Florida has moved from attractive to fair. The company appears to be fairly valued based on its current metrics. Key ratios include a P/E ratio of 18, a Price to Book Value of 1.00, and an EV to EBITDA of 14.42. In comparison, Atlantic Union Bankshares Corp. has a P/E of 17.24, while Independent Bank Corp. (Massachusetts) shows a P/E of 18.40, indicating that Seacoast is positioned similarly within its peer group.
In terms of recent performance, Seacoast Banking has underperformed against the S&P 500 over the longer term, with a 3-year return of -7.76% compared to the S&P's 67.17%, but it has shown resilience with a year-to-date return of 11.01% versus the S&P's 12.26%.