Mechanics Bank (MCHB) vs Seacoast Banking Corporation of Florida (SBCF)
A side-by-side comparison of Mechanics Bank and Seacoast Banking Corporation of Florida across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — MCHB vs SBCF
growth of $100 · dividends reinvested · last 10yMCHB vs SBCF: by the numbers
- •MCHB is the larger company ($3.29B vs $3.15B market cap).
- •MCHB trades at the lower trailing earnings multiple (11.96 vs 20.90 P/E), one valuation lens rather than an overall verdict.
- •MCHB converts more revenue to profit (26.53% vs 17.06% net margin).
- •SBCF grew revenue faster over the past five years (22.63% vs 21.79% CAGR).
- •MCHB pays the higher dividend yield (10.43% vs 2.33%).
Metrics side by side
Valuation
| Metric | MCHB | SBCF |
|---|---|---|
| P/E ratio | 11.96 | 20.90 |
| Forward P/E | 14.37 | 12.69 |
| PEG ratio | 0.42 | 11.17 |
| P/S ratio | 3.11 | 3.31 |
| P/B ratio | 1.22 | 1.15 |
Profitability
| Metric | MCHB | SBCF |
|---|---|---|
| Operating margin | 31.51% | 18.89% |
| Net margin | 26.53% | 17.06% |
| ROE | 10.46% | 5.28% |
Mechanics Bank: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Seacoast Banking Corporation of Florida: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | MCHB | SBCF |
|---|---|---|
| Dividend yield | 10.43% | 2.33% |
| Payout ratio | 124.80% | 49.03% |
Growth (annualized)
| Metric | MCHB | SBCF |
|---|---|---|
| Revenue CAGR (5Y) | 21.79% | 22.63% |
| EPS CAGR (5Y) | 28.37% | 2.24% |
| Total return CAGR (5Y) | -15.32% | 0.79% |
Frequently asked
- Which has the lower trailing P/E, MCHB or SBCF?
- MCHB has the lower trailing P/E: MCHB trades at 11.96 and SBCF at 20.90. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, MCHB or SBCF?
- Over the past five years, SBCF grew revenue faster — MCHB at a 21.79% CAGR versus SBCF at 22.63%.
- Does MCHB or SBCF pay a bigger dividend?
- MCHB yields 10.43% and SBCF yields 2.33% based on trailing dividends and the latest price.
- Is MCHB or SBCF more profitable?
- MCHB runs the higher net margin — MCHB at 26.53% versus SBCF at 17.06%.
- How have MCHB and SBCF total returns compared?
- Over the past 10 years, MCHB delivered -2.87% and SBCF delivered 8.48% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Mechanics Bank & Seacoast Banking Corporation of Florida appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.