Advertisement
SBCF vs TCBI
Which Stock Would AI Choose? Seacoast Banking Corporation of Florida (SBCF) vs. Texas Capital Bancshares, Inc. (TCBI) Stock Comparison
Key Takeaways
- TCBI demonstrates stronger recent momentum, with a monthly gain of approximately 14% compared to SBCF's 7%, and year-to-date returns of 16.8% versus 5.57%.
- TCBI trades at a lower price-to-earnings (P/E) ratio of 15.6 versus SBCF's 21, indicating potentially better valuation.
- Both stocks operate in the regional banking sector, but TCBI shows higher return on equity (ROE, a measure of profitability relative to shareholders' equity) at 9.44% compared to SBCF's 5.53%.
- Tickeron's AI analysis highlights an upward trend for TCBI with bullish moving average crossovers, while SBCF exhibits mixed signals including potential pullbacks.
- TCBI's larger market cap of $4.68 billion provides greater scale than SBCF's $3.23 billion, influencing relative stability in market volatility.
Introduction
This stock comparison examines SBCF and TCBI, two regional banks navigating the evolving financial landscape. Investors in the banking sector and short-term traders monitoring momentum may find value in their relative performance, valuations, and market positioning. Amid interest rate dynamics and economic shifts, understanding contrasts in growth drivers, recent price behavior, and sentiment can inform portfolio decisions or trading strategies. Both companies serve distinct U.S. regions—Florida for SBCF and Texas for TCBI—offering insights into geographic diversification within financial services.
SBCF Overview and Recent Performance
Seacoast Banking Corporation of Florida (SBCF) is the holding company for Seacoast National Bank, providing deposit, loan, wealth management, and brokerage services primarily to retail and commercial clients in Florida. In recent market activity, the stock has risen about 7% over the past month and 6% weekly, trading near $33 with a 52-week range of $22.21 to $35.55. Strong Q4 2025 revenue growth of 44% year-over-year has supported sentiment, alongside analyst upgrades like Keefe Bruyette's Outperform rating with a $38 target. However, Tickeron AI notes bearish signals such as overbought Stochastic Oscillator conditions and a break above the upper Bollinger Band, suggesting possible near-term pullbacks amid broader sector pressures.
TCBI Overview and Recent Performance
Texas Capital Bancshares, Inc. (TCBI) operates Texas Capital Bank, offering commercial banking, investment banking, and wealth management to businesses and individuals across Texas and select markets. Recent weeks have seen robust gains, with a 14% monthly increase and 4% weekly rise, positioning the stock around $106 within a 52-week range of $63.69 to $108.92. Positive drivers include record Q3 2025 revenue and net income growth, alongside insider buying and upcoming Q1 2026 earnings on April 23. Despite some overbought indicators, Tickeron AI emphasizes upward momentum from moving average crossovers and positive MACD, bolstering trader interest in its relative strength.
Trending AI Robots
Tickeron’s Trending AI Robots page showcases 25 top-performing AI trading bots curated from over 350 available on the platform, which collectively trade thousands of tickers across stocks, ETFs, and crypto. These bots are selected for their adaptability to current market conditions like volatility in sectors such as finance and semiconductors. Performance stats include win rates ranging from 54% to 88%, annualized returns of 15% to 168%, and profit factors up to 11.7, with strategies spanning technical analysis, trend following, dip buying, and leveraged ETF trading on timeframes from 5 minutes to 60 days. Each bot details unique styles, trade counts, drawdowns, and ticker sets, enabling users to copy trades with risk controls. Traders seeking data-driven edges in dynamic markets can explore these trending options for diversified automation.
Head-to-Head Comparison
In business models, both emphasize commercial and consumer banking, but TCBI extends into investment banking and mortgage warehouse lending, contrasting SBCF's Florida-focused retail emphasis. Growth drivers favor TCBI with higher trailing twelve-month revenue ($1.2B vs. $598M) and net income. Recent momentum tilts to TCBI's 14% monthly outperformance versus SBCF's steadier but lower gains. Risk factors include shared exposure to net interest income (NII, revenue from interest-bearing assets minus liabilities) sensitivity and regional economic cycles, though TCBI's larger scale offers resilience. Sector-wise, both track regional bank indices amid rate normalization. Market sentiment leans positive for TCBI via stronger AI trend signals and YTD positioning, while SBCF benefits from dividends (2.3% yield) absent in TCBI.
Tickeron AI Verdict
Tickeron’s AI currently leans toward TCBI based on consistent upward trend signals, superior recent momentum (9%+ in 30 days), and bullish technical crossovers like the 10-day moving average above the 50-day. SBCF shows balanced but riskier positioning with overbought conditions and mixed oscillators. Relative stability and catalysts position TCBI favorably in probable short-term outperformance scenarios within the regional banking space.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is SBCF is a Buy and TCBI is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
SBCF’s FA Score shows that 0 FA rating(s) are green whileTCBI’s FA Score has 1 green FA rating(s).
- SBCF’s FA Score: 0 green, 5 red.
- TCBI’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
SBCF’s TA Score shows that 5 TA indicator(s) are bullish while TCBI’s TA Score has 3 bullish TA indicator(s).
- SBCF’s TA Score: 5 bullish, 5 bearish.
- TCBI’s TA Score: 3 bullish, 6 bearish.
Price Growth
SBCF (@Regional Banks) experienced а +1.38% price change this week, while TCBI (@Regional Banks) price change was -1.15% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.64%, and the average quarterly price growth was +13.60%.
Reported Earning Dates
SBCF is expected to report earnings on Jul 23, 2026.
TCBI is expected to report earnings on Jul 16, 2026.
Industries' Descriptions
@Regional Banks (+1.31% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| SBCF | TCBI | SBCF / TCBI | |
| Capitalization | 3.08B | 4.43B | 70% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 2.136 | 10.195 | 21% |
| P/E Ratio | 20.92 | 13.41 | 156% |
| Revenue | 676M | 1.3B | 52% |
| Total Cash | 201M | 254M | 79% |
| Total Debt | 888M | 878M | 101% |
SBCF | TCBI | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 27 | 70 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 65 Fair valued | 77 Overvalued | |
PROFIT vs RISK RATING 1..100 | 100 | 46 | |
SMR RATING 1..100 | 42 | 24 | |
PRICE GROWTH RATING 1..100 | 50 | 48 | |
P/E GROWTH RATING 1..100 | 34 | 98 | |
SEASONALITY SCORE 1..100 | 75 | 85 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
SBCF's Valuation (65) in the Regional Banks industry is in the same range as TCBI (77). This means that SBCF’s stock grew similarly to TCBI’s over the last 12 months.
TCBI's Profit vs Risk Rating (46) in the Regional Banks industry is somewhat better than the same rating for SBCF (100). This means that TCBI’s stock grew somewhat faster than SBCF’s over the last 12 months.
TCBI's SMR Rating (24) in the Regional Banks industry is in the same range as SBCF (42). This means that TCBI’s stock grew similarly to SBCF’s over the last 12 months.
TCBI's Price Growth Rating (48) in the Regional Banks industry is in the same range as SBCF (50). This means that TCBI’s stock grew similarly to SBCF’s over the last 12 months.
SBCF's P/E Growth Rating (34) in the Regional Banks industry is somewhat better than the same rating for TCBI (98). This means that SBCF’s stock grew somewhat faster than TCBI’s over the last 12 months.
| SBCF | TCBI | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 81% | N/A |
| Stochastic ODDS (%) | 2 days ago 78% | 2 days ago 79% |
| Momentum ODDS (%) | 2 days ago 68% | 2 days ago 69% |
| MACD ODDS (%) | 2 days ago 69% | 2 days ago 76% |
| TrendWeek ODDS (%) | 2 days ago 67% | 2 days ago 65% |
| TrendMonth ODDS (%) | 2 days ago 58% | 2 days ago 62% |
| Advances ODDS (%) | 2 days ago 61% | 12 days ago 65% |
| Declines ODDS (%) | 27 days ago 68% | 6 days ago 63% |
| BollingerBands ODDS (%) | 2 days ago 81% | 2 days ago 65% |
| Aroon ODDS (%) | 2 days ago 58% | 2 days ago 67% |
Advertisement
| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| DVUT | 26.08 | N/A | N/A |
| WEBs Utilities XLU Defined VolETF | |||
| AVSC | 70.84 | -0.11 | -0.16% |
| Avantis US Small Cap Equity ETF | |||
| AGIX | 45.36 | -1.61 | -3.43% |
| KraneSharesArtfclIntglcandTechPub-PvtETF | |||
| EEMS | 74.76 | -3.12 | -4.01% |
| iShares MSCI Emerging Markets Sm-Cp ETF | |||
| EMC | 37.16 | -2.02 | -5.16% |
| Global X Emerging Mkts Great Cnsmr ETF | |||
TCBI and
Correlation & Price change
A.I.dvisor indicates that over the last year, TCBI has been closely correlated with SBCF. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if TCBI jumps, then SBCF could also see price increases.
| Ticker / NAME | Correlation To TCBI | 1D Price Change % | ||
|---|---|---|---|---|
| TCBI | 100% | +0.50% | ||
| SBCF - TCBI | 87% Closely correlated | +1.07% | ||
| FNB - TCBI | 86% Closely correlated | +0.71% | ||
| ONB - TCBI | 86% Closely correlated | +0.85% | ||
| ASB - TCBI | 85% Closely correlated | +0.62% | ||
| WTFC - TCBI | 85% Closely correlated | +1.10% | ||
More | ||||