SBCF vs. LEN

Last updated Jun 4, 2026

SBCF (Seacoast Banking Corporation of Florida) and LEN (Lennar Corporation) are both stocks. SBCF operates in Banks - Regional (Financial Services), while LEN operates in Residential Construction (Consumer Cyclical). Over the past 10 years, SBCF returned 7.18%/yr vs 8.58%/yr for LEN. At a 0.21 correlation, their price movements are largely independent.

Performance

SBCF vs. LEN - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Seacoast Banking Corporation of Florida (SBCF) and Lennar Corporation (LEN). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, SBCF achieves a -6.16% return, which is significantly higher than LEN's -12.12% return. Over the past 10 years, SBCF has underperformed LEN with an annualized return of 7.18%, while LEN has yielded a comparatively higher 8.58% annualized return.

SBCF

• 1D: -2.98%
• 1M: -5.24%
• YTD: -6.16%
• 6M: -8.91%
• 1Y: 15.55%
• 3Y*: 12.25%
• 5Y*: -2.35%
• 10Y*: 7.18%

LEN

• 1D: -1.58%
• 1M: 6.05%
• YTD: -12.12%
• 6M: -32.14%
• 1Y: -14.57%
• 3Y*: -4.76%
• 5Y*: 0.65%
• 10Y*: 8.58%

*Multi-year figures are annualized to reflect compound growth (CAGR)

SBCF vs. LEN - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
SBCF Seacoast Banking Corporation of Florida	-6.16%	17.11%	-0.48%	-5.97%	-10.10%	21.59%	-3.66%	17.49%	3.21%	14.28%
LEN Lennar Corporation	-12.12%	-20.80%	-7.32%	66.92%	-20.64%	53.99%	37.97%	42.96%	-37.91%	50.28%

Correlation

The correlation between SBCF and LEN is 0.37, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.37
Correlation (3Y) Calculated over the trailing 3-year period	0.39
Correlation (5Y) Calculated over the trailing 5-year period	0.37
Correlation (10Y) Calculated over the trailing 10-year period	0.31
Correlation (All Time) Calculated using the full available price history since Mar 27, 1990	0.21

The correlation between SBCF and LEN shifts across timeframes, from 0.21 (all time) to 0.39 (3 years), reflecting how their relationship changes across market environments.

Fundamentals

EPS SBCF : $1.54 LEN : $8.18
PE Ratio SBCF : 19.00 LEN : 10.93
PS Ratio SBCF : 3.06 LEN : 0.67
Total Revenue (TTM) SBCF : $898.46M LEN : $34.13B
Gross Profit (TTM) SBCF : $563.85M LEN : $6.01B
EBITDA (TTM) SBCF : $202.24M LEN : $2.95B

Return for Risk

SBCF vs. LEN — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

SBCF

SBCF Risk / Return Rank: 58
SBCF Sharpe Ratio Rank: 61
SBCF Sortino Ratio Rank: 54
SBCF Omega Ratio Rank: 53
SBCF Calmar Ratio Rank: 60
SBCF Martin Ratio Rank: 62

LEN

LEN Risk / Return Rank: 25
LEN Sharpe Ratio Rank: 23
LEN Sortino Ratio Rank: 22
LEN Omega Ratio Rank: 23
LEN Calmar Ratio Rank: 29
LEN Martin Ratio Rank: 28

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

SBCF vs. LEN - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Seacoast Banking Corporation of Florida (SBCF) and Lennar Corporation (LEN). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	SBCF	LEN	Difference
Sharpe ratio Return per unit of total volatility	0.59	-0.39	+0.98
Sortino ratio Return per unit of downside risk	1.01	-0.35	+1.36
Omega ratio Gain probability vs. loss probability	1.12	0.96	+0.16
Calmar ratio Return relative to maximum drawdown	0.96	-0.35	+1.31
Martin ratio Return relative to average drawdown	2.28	-0.68	+2.96
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

SBCF vs. LEN - Sharpe Ratio Comparison

The current SBCF Sharpe Ratio is 0.59, which is higher than the LEN Sharpe Ratio of -0.39. The chart below compares the historical Sharpe Ratios of SBCF and LEN, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	SBCF	LEN	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.59	-0.39	+0.98
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.07	0.02	-0.09
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.20	0.23	-0.04
Sharpe Ratio (All Time) Calculated using the full available price history	0.08	0.32	-0.24

Drawdowns

SBCF vs. LEN - Drawdown Comparison

The maximum SBCF drawdown since its inception was -96.16%, roughly equal to the maximum LEN drawdown of -94.28%. Use the drawdown chart below to compare losses from any high point for SBCF and LEN.

Drawdown Indicators

	SBCF	LEN	Difference
Max Drawdown Largest peak-to-trough decline	-96.16%	-94.28%	-1.88%
Max Drawdown (1Y) Largest decline over 1 year	-16.26%	-41.39%	+25.13%
Max Drawdown (3Y) Largest decline over 3 years	-27.82%	-54.51%	+26.69%
Max Drawdown (5Y) Largest decline over 5 years	-50.54%	-54.51%	+3.97%
Max Drawdown (10Y) Largest decline over 10 years	-56.09%	-58.80%	+2.71%
Current Drawdown Current decline from peak	-77.29%	-50.55%	-26.74%
Average Drawdown Average peak-to-trough decline	-49.94%	-26.28%	-23.66%
Ulcer Index Depth and duration of drawdowns from previous peaks	6.83%	21.38%	-14.55%

Volatility

SBCF vs. LEN - Volatility Comparison

The current volatility for Seacoast Banking Corporation of Florida (SBCF) is 6.66%, while Lennar Corporation (LEN) has a volatility of 10.10%. This indicates that SBCF experiences smaller price fluctuations and is considered to be less risky than LEN based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	SBCF	LEN	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.66%	10.10%	-3.44%
Volatility (6M) Calculated over the trailing 6-month period	17.78%	26.46%	-8.68%
Volatility (1Y) Calculated over the trailing 1-year period	26.66%	37.21%	-10.55%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	34.58%	34.45%	+0.13%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	36.73%	37.23%	-0.50%

Dividends

SBCF vs. LEN - Dividend Comparison

SBCF's dividend yield for the trailing twelve months is around 2.53%, more than LEN's 2.24% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
LEN Lennar Corporation	2.24%	1.95%	1.47%	1.01%	1.66%	0.86%	0.82%	0.29%	0.41%	0.25%	0.37%	0.33%
SBCF Seacoast Banking Corporation of Florida	2.53%	2.32%	2.62%	2.49%	2.05%	1.10%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financials

SBCF vs. LEN - Profitability Comparison

The chart below illustrates the profitability comparison between Seacoast Banking Corporation of Florida and Lennar Corporation over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

SBCF - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Seacoast Banking Corporation of Florida reported a gross profit of 136.93M and revenue of 247.62M. Therefore, the gross margin over that period was 55.3%.

LEN - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Lennar Corporation reported a gross profit of 1.53B and revenue of 9.37B. Therefore, the gross margin over that period was 16.3%.

SBCF - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Seacoast Banking Corporation of Florida reported an operating income of 43.45M and revenue of 247.62M, resulting in an operating margin of 17.6%.

LEN - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Lennar Corporation reported an operating income of 666.96M and revenue of 9.37B, resulting in an operating margin of 7.1%.

SBCF - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Seacoast Banking Corporation of Florida reported a net income of 34.26M and revenue of 247.62M, resulting in a net margin of 13.8%.

LEN - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Lennar Corporation reported a net income of 490.24M and revenue of 9.37B, resulting in a net margin of 5.2%.

Frequently Asked Questions

Can I hold both SBCF and LEN in my portfolio?

SBCF and LEN have a correlation of 0.37, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, SBCF or LEN?

LEN has higher volatility (10.10%) compared to SBCF (6.66%). In terms of maximum drawdown, SBCF dropped -96.16% vs LEN's -94.28%.

Which has better risk-adjusted returns?

SBCF currently has the higher Sharpe Ratio (0.59 vs -0.39), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.