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SBCF logoSeacoast Banking Corporation of Florida(SBCF)Earnings, Financials & Key Ratios

SBCF•NASDAQ•Banking & Credit
$30.90
$3.02B mkt cap·19.6× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutSeacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides financial services to retail and commercial customers in Florida. It offers commercial and retail banking, wealth management, and mortgage services; and brokerage and annuity services. The company offers noninterest and interest-bearing demand deposit, money market, savings, and customer sweep accounts; time certificates of deposit; construction and land development, commercial and residential real estate, and commercial and financial loans; and consumer loans, including installment loans and revolving lines, as well as loans for automobiles, boats, and personal or family purposes. As of December 31, 2021, it had 54 branch and commercial lending offices. The company was founded in 1926 and is headquartered in Stuart, Florida.Show more
  • Net Interest Income$553M+28.1%
  • Total Revenue$870M+7.5%
  • Net Income$145M+19.7%
  • Return on Equity5.53%-1.9%
  • Net Interest Margin2.66%-6.7%
  • Efficiency Ratio40.12%-5.2%
  • ROA0.8%-1.1%
  • Equity / Assets14.66%+1.9%
  • Book Value per Share33.24+29.5%
  • Tangible BV/Share19.85+22.4%
  • Debt/Equity0.44+63.5%
Technical→

SBCF Key Insights

Seacoast Banking Corporation of Florida (SBCF) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 40.1% efficiency ratio
  • ✓Well capitalized: 14.7% equity/assets
  • ✓Healthy dividend yield of 2.4%
  • ✓Trading at only 0.9x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

SBCF Price & Volume

Seacoast Banking Corporation of Florida (SBCF) stock price & volume — 10-year historical chart

Loading chart...

SBCF Growth Metrics

Seacoast Banking Corporation of Florida (SBCF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years19.34%
5 Years20.06%
3 Years24.87%
TTM-

Profit CAGR

10 Years20.66%
5 Years13.25%
3 Years10.8%
TTM19.75%

EPS CAGR

10 Years9.12%
5 Years1.87%
3 Years-1.63%
TTM10.49%

Return on Capital

10 Years7.33%
5 Years7.03%
3 Years5.28%
Last Year3.69%

SBCF Recent Earnings

Seacoast Banking Corporation of Florida (SBCF) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 28, 2026
EPS
$0.62
Est $0.58
+6.9%
Revenue
$205M
Est $206M
-0.2%
Q1 2026
Jan 29, 2026
EPS
$0.44
Est $0.51
-13.7%
Revenue
$205M
Est $201M
+1.8%
Q4 2025
Oct 27, 2025
EPS
$0.52
Est $0.46
+13.5%
Revenue
$157M
Est $155M
+1.6%
Q3 2025
Jul 24, 2025
EPS
$0.52
Est $0.42
+23.8%
Revenue
$151M
Est $152M
-0.7%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$0.62vs $0.58+6.9%
$205Mvs $206M-0.2%
Q1 2026Jan 29, 2026
$0.44vs $0.51-13.7%
$205Mvs $201M+1.8%
Q4 2025Oct 27, 2025
$0.52vs $0.46+13.5%
$157Mvs $155M+1.6%
Q3 2025Jul 24, 2025
$0.52vs $0.42+23.8%
$151Mvs $152M-0.7%
Based on last 12 quarters of dataView full earnings history →

SBCF Peer Comparison

Seacoast Banking Corporation of Florida (SBCF) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
SFBS logoSFBSServisFirst Bancshares, Inc.Direct Competitor4.35B79.6015.734.13%27.18%14.95%0.81
FCNCA logoFCNCAFirst Citizens BancShares, Inc.Direct Competitor23.26B2002.1412.08-2.97%15.22%9.94%8.9%1.62
IBCP logoIBCPIndependent Bank CorporationDirect Competitor690.04M33.5210.25-0.3%21.73%14.2%10.17%0.23
CVBF logoCVBFCVB Financial Corp.Direct Competitor2.79B20.5413.51-2.33%32.53%9.25%7.79%0.43
BUSE logoBUSEFirst Busey CorporationProduct Competitor2.27B26.5618.0757.56%12.96%5.69%7.65%0.20
FULT logoFULTFulton Financial CorporationProduct Competitor4.15B21.5810.385.03%20.71%11.6%6.85%0.37
WSFS logoWSFSWSFS Financial CorporationProduct Competitor3.79B71.8514.12-3.05%21.14%10.65%5.64%0.11
NBTB logoNBTBNBT Bancorp Inc.Product Competitor2.33B44.6913.4210.36%19.51%9.51%9.38%0.17

Compare SBCF vs Peers

Seacoast Banking Corporation of Florida (SBCF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SFBS

Most directly comparable listed peer for SBCF.

Scale Benchmark

vs ICE

Larger-name benchmark to compare SBCF against a more recognizable public peer.

Peer Set

Compare Top 5

vs SFBS, FCNCA, IBCP, CVBF

SBCF Income Statement

Seacoast Banking Corporation of Florida (SBCF) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income176.3M211.51M243.62M262.74M276.02M366.16M488.24M431.97M553.48M
NII Growth %26.3%19.98%15.18%7.85%5.06%32.66%33.34%-11.52%28.13%
Net Interest Margin %3.03%3.13%3.43%3.15%2.85%3.01%3.35%2.85%2.66%
Interest Income191.6M241.4M289.82M287.04M284.24M380.49M688.98M725.56M836.37M
Interest Expense15.3M29.88M46.2M24.29M8.22M14.33M200.74M293.59M282.9M
Loan Loss Provision5.65M11.73M11M38.36M-9.29M27.34M38.76M17.26M51.26M
Non-Interest Income58.47M50.02M56.73M61.57M70.73M66.09M79.15M83.43M33.17M
Non-Interest Income %23.38%17.16%16.37%17.66%19.92%14.8%10.3%10.31%3.81%
Total Revenue
250.06M▲ 0%
291.42M▲ 16.5%
346.56M▲ 18.9%
348.61M▲ 0.6%
354.97M▲ 1.8%
446.58M▲ 25.8%
768.13M▲ 72.0%
808.99M▲ 5.3%
869.54M▲ 7.5%
Revenue Growth %34.55%16.54%18.92%0.59%1.83%25.81%72%5.32%7.49%
Non-Interest Expense149.92M162.27M160.74M185.37M197.3M266.78M394.38M342.3M348.88M
Efficiency Ratio59.95%55.68%46.38%53.17%55.58%59.74%51.34%42.31%40.12%
Operating Income
79.2M▲ 0%
87.53M▲ 10.5%
128.61M▲ 46.9%
100.58M▼ 21.8%
158.74M▲ 57.8%
138.14M▼ 13.0%
134.25M▼ 2.8%
155.84M▲ 16.1%
186.51M▲ 19.7%
Operating Margin %31.67%30.04%37.11%28.85%44.72%30.93%17.48%19.26%21.45%
Operating Income Growth %79.63%10.52%46.93%-21.79%57.82%-12.98%-2.81%16.08%19.68%
Pretax Income
79.2M▲ 0%
87.53M▲ 10.5%
128.61M▲ 46.9%
100.58M▼ 21.8%
158.74M▲ 57.8%
138.14M▼ 13.0%
134.25M▼ 2.8%
155.84M▲ 16.1%
186.51M▲ 19.7%
Pretax Margin %31.67%30.04%37.11%28.85%44.72%30.93%17.48%19.26%21.45%
Income Tax36.34M20.26M29.87M22.82M34.34M31.63M30.22M34.85M41.63M
Effective Tax Rate %45.88%23.14%23.23%22.69%21.63%22.9%22.51%22.37%22.32%
Net Income
42.87M▲ 0%
67.28M▲ 56.9%
98.74M▲ 46.8%
77.76M▼ 21.2%
124.4M▲ 60.0%
106.51M▼ 14.4%
104.03M▼ 2.3%
120.99M▲ 16.3%
144.88M▲ 19.7%
Net Margin %17.14%23.09%28.49%22.31%35.05%23.85%13.54%14.96%16.66%
Net Income Growth %46.79%56.95%46.77%-21.24%59.98%-14.39%-2.32%16.3%19.75%
Net Income (Continuing)42.87M67.28M98.74M77.76M124.4M106.51M104.03M120.99M144.88M
EPS (Diluted)
0.99▲ 0%
1.38▲ 39.4%
1.90▲ 37.7%
1.44▼ 24.2%
2.18▲ 51.4%
1.66▼ 23.9%
1.23▼ 25.9%
1.42▲ 15.4%
1.58▲ 11.3%
EPS Growth %26.92%39.39%37.68%-24.21%51.39%-23.85%-25.9%15.45%11.27%
EPS (Basic)1.011.401.921.452.201.671.241.431.62
Diluted Shares Outstanding43.35M48.75M52.03M53.93M57.09M64.26M84.33M85.04M91.94M

SBCF Balance Sheet

Seacoast Banking Corporation of Florida (SBCF) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments1.07B990.02M1.08B1.8B2.38B2.08B2.29B2.67B5.35B
Cash & Due from Banks122.06M124.19M128.27M404.84M737.73M205.18M453.04M479.82M181.43M
Short Term Investments949.46M865.83M946.86M1.4B1.64B1.87B1.84B2.19B5.16B
Total Investments5.21B6.06B6.43B7.29B8.16B10.65B12.43B13.04B5.16B
Investments Growth %23.47%16.38%6.04%13.5%11.82%30.61%16.72%4.87%-60.4%
Long-Term Investments4.26B5.2B5.48B5.9B6.51B8.78B10.6B10.85B0
Accounts Receivables000000000
Goodwill & Intangibles166.68M230.73M225.35M237.92M267M551.6M828.06M804.14M1.23B
Goodwill147.58M204.75M205.29M221.18M252.15M480.32M732.42M732.42M1.03B
Intangible Assets19.1M25.98M20.07M16.75M14.85M71.28M95.64M71.72M195.7M
PP&E (Net)66.88M71.02M66.61M75.12M72.4M116.89M113.3M107.56M160.14M
Other Assets248.21M264.31M280.31M306.74M420.52M524.5M641.82M640.85M0
Total Current Assets1.07B990.02M1.08B1.8B2.38B2.08B2.29B2.67B5.35B
Total Non-Current Assets4.74B5.76B6.03B6.54B7.3B10.07B12.29B12.5B1.46B
Total Assets
5.81B▲ 0%
6.75B▲ 16.1%
7.11B▲ 5.3%
8.34B▲ 17.4%
9.68B▲ 16.1%
12.15B▲ 25.5%
14.58B▲ 20.0%
15.18B▲ 4.1%
20.84B▲ 37.3%
Asset Growth %24.12%16.14%5.35%17.36%16.05%25.45%20.04%4.09%37.33%
Return on Assets (ROA)0.82%1.07%1.43%1.01%1.38%0.98%0.78%0.81%0.8%
Accounts Payable000000000
Total Debt497.62M665.13M472.21M190.97M193.21M406.56M530.88M584.04M1.34B
Net Debt375.56M540.93M343.93M-213.86M-544.52M201.39M77.84M104.22M1.16B
Long-Term Debt281.52M450.8M386.08M71.36M71.65M234.53M156.3M351.97M947.76M
Short-Term Debt216.09M214.32M86.12M119.61M121.56M172.03M374.57M232.07M389M
Other Liabilities30.13M41.02M65.91M88.45M109.9M149.83M164.35M166.6M-947.76M
Total Current Liabilities4.81B5.39B5.67B7.05B8.19B10.15B12.15B12.47B13.42B
Total Non-Current Liabilities311.65M491.83M452M159.82M181.54M384.36M320.65M518.57M0
Total Liabilities5.12B5.88B6.12B7.21B8.37B10.54B12.47B12.99B17.79B
Total Equity
689.66M▲ 0%
864.27M▲ 25.3%
985.64M▲ 14.0%
1.13B▲ 14.7%
1.31B▲ 16.0%
1.61B▲ 22.7%
2.11B▲ 31.1%
2.18B▲ 3.6%
3.06B▲ 40.0%
Equity Growth %58.4%25.32%14.04%14.69%15.95%22.66%31.12%3.57%39.97%
Equity / Assets (Capital Ratio)11.87%12.81%13.87%13.55%13.54%13.24%14.46%14.39%14.66%
Return on Equity (ROE)7.62%8.66%10.67%7.35%10.19%7.3%5.6%5.64%5.53%
Book Value per Share15.9117.7318.9420.9622.9625.0225.0025.6733.24
Tangible BV per Share12.0613.0014.6116.5518.2816.4315.1816.2219.85
Common Stock4.69M5.14M5.15M5.52M5.85M7.16M8.49M8.63M9.87M
Additional Paid-in Capital661.63M778.5M786.24M856.09M963.85M1.38B1.81B1.82B2.2B
Retained Earnings29.91M97.07M195.81M256.7M358.6M423.86M467.31M526.64M603.79M
Accumulated OCI-4.22M-13.06M4.46M20.37M-6.99M-188.03M-159.88M-157.87M-77.19M
Treasury Stock-2.36M-3.38M-6.03M-8.29M-10.57M-13.02M-16.71M-19.09M-21.36M
Preferred Stock00000000343.13M

SBCF Cash Flow Statement

Seacoast Banking Corporation of Florida (SBCF) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations48.91M129.61M117.75M60.65M154.57M195.86M150.61M179.9M188.06M
Operating CF Growth %-21.12%165%-9.15%-48.49%154.85%26.71%-23.1%19.45%4.54%
Net Income42.87M67.28M98.74M77.76M124.4M106.51M104.03M120.99M144.88M
Depreciation & Amortization4.92M5.2M8.53M1.72M-3.85M10.63M423K19.21M39.75M
Deferred Taxes35.83M459K6.79M-4.93M3.84M-10.4M9.44M9.55M12.04M
Other Non-Cash Items-13.03M29.98M6.26M-4.43M35.05M55.41M41M20.36M45.02M
Working Capital Changes-26.94M19.16M-9.82M-16.78M-13.55M22.55M-17.72M-3.95M-69.37M
Cash from Investing-245.58M-174.6M-321.34M-342.5M-412.51M-364.88M527.45M-606.88M-706.76M
Purchase of Investments-509.55M-104.65M-309.46M-830.3M-1.52B-899.69M-100.87M-993.92M-2.26B
Sale/Maturity of Investments533.25M285.24M346.89M476.66M764.23M882.89M402.99M649.03M2.38B
Net Investment Activity23.7M180.59M37.43M-353.64M-758.13M-16.8M302.11M-344.89M122.08M
Acquisitions23.82M22.35M071.97M98.1M281.75M141.67M0169.56M
Other Investing-287.39M-373.52M-356.25M-59.24M251.84M-617.18M93.95M-257.96M-989.23M
Cash from Financing196.53M51.44M212.18M561.41M591.58M-366.77M-432.82M456.41M430.64M
Dividends Paid0000-22.51M-41.24M-60.59M-61.65M-67.73M
Share Repurchases000000-10.87M-880K0
Stock Issued00000000-1.35M
Net Stock Activity000000-10.87M-880K-1.35M
Debt Issuance (Net)-1000K1000K-1000K-1000K-1000K1000K-1000K1000K1000K
Other Financing344.89M-40.56M277.18M876.41M647.09M-330.53M-116.36M323.94M-90.28M
Net Change in Cash
-140K▲ 0%
6.45M▲ 4705.0%
8.58M▲ 33.1%
279.56M▲ 3158.2%
333.64M▲ 19.3%
-535.79M▼ 260.6%
245.24M▲ 145.8%
29.43M▼ 88.0%
-88.06M▼ 399.3%
Exchange Rate Effect000000000
Cash at Beginning109.64M109.5M115.95M124.53M404.09M737.73M201.94M447.18M476.61M
Cash at End109.5M115.95M124.53M404.09M737.73M201.94M447.18M476.61M388.55M
Interest Paid15.13M28.3M46.13M23.55M9.98M13.74M191.22M287.27M277.64M
Income Taxes Paid400K13.2M16M27.71M30.89M29.59M018.5M15.56M
Free Cash Flow
43.2M▲ 0%
125.59M▲ 190.7%
115.22M▼ 8.3%
59.06M▼ 48.7%
150.25M▲ 154.4%
183.21M▲ 21.9%
140.32M▼ 23.4%
175.87M▲ 25.3%
178.89M▲ 1.7%
FCF Growth %-22.79%190.72%-8.25%-48.74%154.37%21.94%-23.41%25.33%1.72%

SBCF Banking Ratios

Seacoast Banking Corporation of Florida (SBCF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)7.4%7.62%8.66%10.67%7.35%10.19%7.3%5.6%5.64%5.53%
Return on Assets (ROA)0.71%0.82%1.07%1.43%1.01%1.38%0.98%0.78%0.81%0.8%
Net Interest Margin2.98%3.03%3.13%3.43%3.15%2.85%3.01%3.35%2.85%2.66%
Efficiency Ratio70.42%59.95%55.68%46.38%53.17%55.58%59.74%51.34%42.31%40.12%
Equity / Assets9.3%11.87%12.81%13.87%13.55%13.54%13.24%14.46%14.39%14.66%
Book Value / Share11.6115.9117.7318.9420.9622.9625.022525.6733.24
NII Growth27.49%26.3%19.98%15.18%7.85%5.06%32.66%33.34%-11.52%28.13%
Dividend Payout-----18.09%38.72%58.24%50.96%46.75%

SBCF SEC Filings & Documents

Seacoast Banking Corporation of Florida (SBCF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 28, 2026·SEC

Material company update

Mar 26, 2026·SEC

Material company update

Feb 11, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 25, 2025·SEC

10-Q Quarterly Reports

5
FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 7, 2025·SEC

SBCF Frequently Asked Questions

Seacoast Banking Corporation of Florida (SBCF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Seacoast Banking Corporation of Florida (SBCF) grew revenue by 7.5% over the past year. This is steady growth.

Yes, Seacoast Banking Corporation of Florida (SBCF) is profitable, generating $144.9M in net income for fiscal year 2025 (16.7% net margin).

Dividend & Returns

Yes, Seacoast Banking Corporation of Florida (SBCF) pays a dividend with a yield of 2.38%. This makes it attractive for income-focused investors.

Seacoast Banking Corporation of Florida (SBCF) has a return on equity (ROE) of 5.5%. This is below average, suggesting room for improvement.

Industry Metrics

Seacoast Banking Corporation of Florida (SBCF) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.

Seacoast Banking Corporation of Florida (SBCF) has an efficiency ratio of 40.1%. This is excellent, indicating strong cost control.

Explore More SBCF

Seacoast Banking Corporation of Florida (SBCF) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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