NMI Holdings, Inc. (NMIH) vs Seacoast Banking Corporation of Florida (SBCF)
A side-by-side comparison of NMI Holdings, Inc. 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 — NMIH vs SBCF
growth of $100 · dividends reinvested · last 10yNMIH vs SBCF: by the numbers
- •SBCF is the larger company ($3.15B vs $3.00B market cap).
- •NMIH trades at the lower trailing earnings multiple (7.78 vs 20.92 P/E), one valuation lens rather than an overall verdict.
- •NMIH converts more revenue to profit (54.12% vs 17.06% net margin).
- •SBCF grew revenue faster over the past five years (22.63% vs 10.07% CAGR).
- •SBCF pays a dividend (2.33% yield), while NMIH has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | NMIH | SBCF |
|---|---|---|
| P/E ratio | 7.78 | 20.92 |
| Forward P/E | 7.51 | 12.71 |
| PEG ratio | 0.43 | 11.19 |
| P/S ratio | 4.11 | 3.32 |
| P/B ratio | 1.11 | 1.15 |
Profitability
| Metric | NMIH | SBCF |
|---|---|---|
| Operating margin | 69.36% | 18.89% |
| Net margin | 54.12% | 17.06% |
| ROE | 14.61% | 5.28% |
NMI Holdings, Inc.: 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 | NMIH | SBCF |
|---|---|---|
| Dividend yield | N/A | 2.33% |
| Payout ratio | N/A | 49.03% |
Growth (annualized)
| Metric | NMIH | SBCF |
|---|---|---|
| Revenue CAGR (5Y) | 10.07% | 22.63% |
| EPS CAGR (5Y) | 17.89% | 2.24% |
| Total return CAGR (5Y) | 11.48% | 0.79% |
Frequently asked
- Which has the lower trailing P/E, NMIH or SBCF?
- NMIH has the lower trailing P/E: NMIH trades at 7.78 and SBCF at 20.92. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, NMIH or SBCF?
- Over the past five years, SBCF grew revenue faster — NMIH at a 10.07% CAGR versus SBCF at 22.63%.
- Does NMIH or SBCF pay a bigger dividend?
- SBCF pays a dividend (2.33% yield), while NMIH has no payments in the available dividend history.
- Is NMIH or SBCF more profitable?
- NMIH runs the higher net margin — NMIH at 54.12% versus SBCF at 17.06%.
- How have NMIH and SBCF total returns compared?
- Over the past 10 years, NMIH delivered 17.83% and SBCF delivered 8.48% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
NMI & 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.