TORVANTA
Other · S&P 500 · data as of 2026-10-05

SBCF stock analysis: SBCF

SBCF (SBCF) is an S&P 500 company in Other. It grades weakest on value and growth.

The model's view of SBCF · subscribers

Where SBCF ranks among the 1,500 U.S. stocks the model scores each trading day, its expected return, the evidence for and against it, and whether the model portfolio holds it. The grades below describe the company's data; they are not the model's view.

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What's happening with SBCF · updated 2026-10-05 · from prices and SEC filings

SBCF price performance

SBCF against the S&P 500, one year
+0%+10%+20%S&P 500 +18%SBCF +9%2025-09-292026-10-05
Year to date+5.3%S&P 500 +14.5% · behind by 9.2 pts
1 year+7.6%S&P 500 +17.0% · behind by 9.4 pts
3 years+62.7%S&P 500 +89.3% · behind by 26.6 pts
5 years+4.0%S&P 500 +91.3% · behind by 87.3 pts

Total returns with dividends reinvested.

SBCF factor grades

Each grade compares SBCF with the rest of its sector (A+ best, F worst); the numbers behind it are shown with the typical figure for its peers.

C-ValueP/E 21.0x (industry 20.1x)FCF yield 6.9% (industry 6.0%)
C-GrowthEPS growth -5% (industry +10%)
–Profitability
B-Momentum12-month change +8%From 52-wk high -10%

SBCF key statistics

SectorOther
Industryn/a
IndexS&P 500
Market value$3.1B
Revenue growth (y/y)n/a
Free-cash-flow yield6.9%
Dividend yield2.3%
Next earnings (expected)2026-10-26
Valuation measures
Market value$3.1B
Enterprise value$2.8B
P/E (trailing)21.0x
Forward P/E (Torvanta estimate)20.5x
PEG (Torvanta estimate)8.35
Price / book1.2x
Financial highlights
Net income, last 12 months$162.2M
EPS, last 12 months (GAAP)$1.55
Return on equity6.5%
Cash$429.9M
Total debt$112.9M
Debt / equity0.04x

Company figures from its latest SEC filings; market value and returns from end-of-day prices.

SBCF earnings trends

Revenue vs earnings
$0$14.9M$29.8M$44.7M$59.5MSep 2024 Net income: $30.7MDec 2024 Net income: $34.1MMar 2025 Net income: $31.5MJun 2025 Net income: $42.7MSep 2025 Net income: $36.5MDec 2025 Net income: $34.3MMar 2026 Net income: $31.9MJun 2026 Net income: $59.5MSep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026■ Revenue ■ Net income ━ Net margin
Earnings per share$0.0$0.1$0.3$0.4$0.6Sep 2024 EPS (GAAP, diluted): $0.4Dec 2024 EPS (GAAP, diluted): $0.4Mar 2025 EPS (GAAP, diluted): $0.4Jun 2025 EPS (GAAP, diluted): $0.5Sep 2025 EPS (GAAP, diluted): $0.4Dec 2025 EPS (GAAP, diluted): $0.3Mar 2026 EPS (GAAP, diluted): $0.3Jun 2026 EPS (GAAP, diluted): $0.6Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026■ EPS (GAAP, diluted) Change from a year earlier: Sep 2025 +17% · Dec 2025 -28% · Mar 2026 -22% · Jun 2026 +10%

From the company's 10-Q and 10-K filings with the SEC.

SBCF financials (from SEC filings)

Fiscal yearFY2021FY2022FY2023FY2024FY2025
Net income$124.4M$106.5M$104.0M$121.0M$144.9M
EPS (GAAP)$2.18$1.66$1.23$1.43$1.58

SBCF earnings history

ReportedEPS (GAAP)EPS y/yRevenue y/yStock vs S&P 500, 2 days
2026-07-28$0.55+10%n/a+3.8%
2026-04-28$0.29-22%n/a-0.6%
2026-01-29$0.29-28%n/a+0.1%
2025-10-27$0.42+17%n/a-2.6%
2025-07-24$0.50+39%n/a-1.1%
2025-04-24$0.37+19%n/a-2.7%

About SBCF

HeadquartersStuart, FL
Industry (SEC code)State Commercial Banks
Fiscal year endsDecember 31
Incorporated inFL
Listed onNasdaq

From the company's SEC registration record.

Companies similar to SBCF

CompanyMarket valueP/ERevenue growthOperating margin12-month change
SBCF SBCF$3.1B21.0xn/an/a+8%
ASH ASH$3.1B65.5x-1%7.4%+45%compare
RCUS RCUS$3.2Bn/a-55%n/a+85%compare
KAI KAI$3.2B28.7x+13%15.0%-12%compare
FA FA$3.2B131.2x+33%10.7%+17%
CBU CBU$3.2B14.0x+10%n/a+6%
PPLI PPLI$3.2B9.3x-32%-9.0%+21%

All Other stock ratings

Frequently asked questions

Is SBCF stock a buy?

Torvanta does not tell individuals what to buy. Its grades for SBCF are shown above. Subscribers see the model's rank, expected return and whether the model portfolio holds it. This is research, not a recommendation.

What is SBCF's P/E ratio?

SBCF trades at about 21.0 times its last 12 months of GAAP earnings reported to the SEC, and about 20.5 times Torvanta's own estimate of the next 12 months.

When does SBCF report earnings next?

Based on its filing history, Torvanta expects SBCF to report around 2026-10-26.

Does SBCF pay a dividend?

Yes. Its dividend yield is about 2.3%, and it has raised its dividend 5 years in a row.

How has SBCF performed against the S&P 500?

Over the past year SBCF returned +7.6%, against +17.0% for the S&P 500, dividends reinvested.

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Subscribers get the model's rank and expected return for every covered company, the reasoning behind each, and the Torvanta model portfolio's trades each trading day, sized and explained, at three risk levels.

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Torvanta is research only - not investment advice and not a recommendation to buy or sell any security. Grades describe a company's reported data against its sector; they are not the model's view, change as data changes and can be wrong. Financial figures come from the company's SEC filings; returns include reinvested dividends. Past performance does not predict future results.

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