Seacoast Banking [SBCF] vs U.S. Bancorp [USB] Detailed Stock Comparison

Seacoast Banking Corporation of Florida

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Seacoast Banking Corporation of Florida wins in 5 metrics, U.S. Bancorp wins in 14 metrics, with 0 ties. U.S. Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Seacoast Banking Corporation of Florida U.S. Bancorp Better
P/E Ratio (TTM) 20.41 11.92 U.S. Bancorp
Price-to-Book Ratio 1.14 1.51 Seacoast Banking Corporation of Florida
Debt-to-Equity Ratio 0.46 1.21 Seacoast Banking Corporation of Florida
PEG Ratio -1.02 0.82 U.S. Bancorp
Profit Margin (TTM) 24.21% 29.29% U.S. Bancorp
Operating Margin (TTM) 43.75% 37.84% Seacoast Banking Corporation of Florida
EBITDA Margin (TTM) 43.75% 37.84% Seacoast Banking Corporation of Florida
Return on Equity 5.53% 12.35% U.S. Bancorp
Return on Assets (TTM) 0.80% 1.14% U.S. Bancorp
Free Cash Flow (TTM) $178.89M $7.97B U.S. Bancorp
Dividend Yield 2.73% 3.82% U.S. Bancorp
1-Year Return 17.34% 25.83% U.S. Bancorp
Price-to-Sales Ratio (TTM) 5.25 3.32 U.S. Bancorp
Enterprise Value $4.44B $126.46B U.S. Bancorp
EV/Revenue Ratio 7.42 4.75 U.S. Bancorp
Revenue per Share (TTM) $7 $17 U.S. Bancorp
Earnings per Share (Diluted) $1.57 $4.77 U.S. Bancorp
Beta (Stock Volatility) 0.92 1.03 Seacoast Banking Corporation of Florida
Short % of Float 6.15% 0.00% U.S. Bancorp

Seacoast Banking Corporation of Florida vs U.S. Bancorp Stock Performance Analysis

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SBCF
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Seacoast Banking Corporation of Florida-2.98%-1.47%-2.33%-5.68%-5.09%-4.46%
U.S. Bancorp-2.67%-1.12%-1.16%-0.05%9.90%1.24%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Seacoast Banking Corporation of Florida17.34%34.71%-18.70%83.14%250.40%-78.73%
U.S. Bancorp25.83%72.81%-9.74%29.45%123.42%73.14%

Performance & Financial Health Analysis: Seacoast Banking Corporation of Florida vs U.S. Bancorp

MetricSBCFUSB
Market Information
Market Cap i$3.14B$88.06B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i584,3629,829,002
90 Day Avg. Volume i732,38110,401,007
Last Close$29.30$53.14
52 Week Range$24.46 - $35.55$42.55 - $61.19
% from 52W High-17.58%-13.16%
All-Time High$159.80 (Aug 28, 2006)$63.57 (Jan 10, 2022)
% from All-Time High-81.66%-16.41%
Growth Metrics
Quarterly Revenue Growth0.32%0.05%
Quarterly Earnings Growth0.01%0.14%
Financial Health
Profit Margin (TTM) i0.24%0.29%
Operating Margin (TTM) i0.44%0.38%
Return on Equity (TTM) i0.06%0.12%
Debt to Equity (MRQ) i0.461.21
Cash & Liquidity
Book Value per Share (MRQ)$27.99$37.54
Cash per Share (MRQ)$4.45$31.14
Operating Cash Flow (TTM) i$188.06M$6.04B
Levered Free Cash Flow (TTM) i$142.74M$7.19B
Dividends
Last 12-Month Dividend Yield i2.73%3.82%
Last 12-Month Dividend i$0.92$2.04

Valuation & Enterprise Metrics Analysis: Seacoast Banking Corporation of Florida vs U.S. Bancorp

MetricSBCF (Apr 24, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i20.4111.92
Forward P/E i11.6510.09
PEG Ratio i-1.020.82
Price to Sales (TTM) i5.253.32
Price to Book (MRQ) i1.141.51
Market Capitalization
Market Capitalization i$3.14B$88.06B
Enterprise Value i$4.44B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i7.424.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.921.03
Book Value per Share (MRQ) i$27.99$37.54

Financial Statements Comparison: Seacoast Banking Corporation of Florida vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSBCF (2025)USB (2025)
Revenue/Sales i652.63M28.54B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i186.51M9.52B
Pre-Tax Income % of Revenue i28.6%33.3%
Income Tax i41.63M1.92B
Income Tax % of Revenue i6.4%6.7%
Net Income (Profit) i144.88M7.60B
Profit Margin i22.2%26.6%

Balance Sheet & Liquidity Metrics

MetricSBCF (2025)USB (2025)
Cash & Equivalents i402.97M46.89B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i947.76M60.76B
Long-Term Debt % of Revenue i145.2%212.9%
Total Shareholders Equity i3.06B65.65B
Retained Earnings i603.79M80.91B
Retained Earnings % of Revenue i92.5%283.5%
Property, Plant & Equipment i186.14M1.51B

Cash Flow Statement Comparison

MetricSBCF (2025)USB (2025)
Operating Cash Flow i150.13M6.04B
Operating Cash Flow % of Revenue i23.0%21.2%
Capital Expenditures i-9.17MN/A
Free Cash Flow i178.89M7.97B
FCF Margin i27.4%27.9%
Debt Repayment i-235.00M-9.05B
Common Stock Repurchase i0-489.00M

Short Interest & Institutional Ownership Analysis

MetricSBCFUSB
Shares Short i5.11M27,002
Short Ratio i6.510.00
Short % of Float i6.15%0.00%
Shares Outstanding i97.93M1.56B
Float Shares i89.66M1.55B
% Held by Insiders i1.28%0.14%
% Held by Institutions i87.08%83.55%
% Held by Public i11.64%16.31%

Dividend Analysis & Yield Comparison: Seacoast Banking Corporation of Florida vs U.S. Bancorp

MetricSBCFUSB
Last 12-Month Dividend i$0.92$2.04
Last 12-Month Dividend Yield i2.73%3.82%
3-Year Avg Annual Dividend i$0.78$1.98
3-Year Avg Dividend Yield i0.68%1.19%
3-Year Total Dividends i$2.35$5.95
Ex-Dividend DateMar 13, 2026Dec 31, 2025