8-K Announcements
6Apr 28, 2026·SEC
Mar 26, 2026·SEC
Feb 11, 2026·SEC
Seacoast Banking Corporation of Florida (SBCF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Seacoast Banking Corporation of Florida (SBCF) stock price & volume — 10-year historical chart
Seacoast Banking Corporation of Florida (SBCF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Seacoast Banking Corporation of Florida (SBCF) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.62vs $0.58+6.9% | $205Mvs $206M-0.2% |
| Q1 2026 | Jan 29, 2026 | $0.44vs $0.51-13.7% | $205Mvs $201M+1.8% |
| Q4 2025 | Oct 27, 2025 | $0.52vs $0.46+13.5% | $157Mvs $155M+1.6% |
| Q3 2025 | Jul 24, 2025 | $0.52vs $0.42+23.8% | $151Mvs $152M-0.7% |
Seacoast Banking Corporation of Florida (SBCF) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
Seacoast Banking Corporation of Florida (SBCF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Seacoast Banking Corporation of Florida (SBCF) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 176.3M | 211.51M | 243.62M | 262.74M | 276.02M | 366.16M | 488.24M | 431.97M | 553.48M |
| 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 Income | 191.6M | 241.4M | 289.82M | 287.04M | 284.24M | 380.49M | 688.98M | 725.56M | 836.37M |
| Interest Expense | 15.3M | 29.88M | 46.2M | 24.29M | 8.22M | 14.33M | 200.74M | 293.59M | 282.9M |
| Loan Loss Provision | 5.65M | 11.73M | 11M | 38.36M | -9.29M | 27.34M | 38.76M | 17.26M | 51.26M |
| Non-Interest Income | 58.47M | 50.02M | 56.73M | 61.57M | 70.73M | 66.09M | 79.15M | 83.43M | 33.17M |
| 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 Expense | 149.92M | 162.27M | 160.74M | 185.37M | 197.3M | 266.78M | 394.38M | 342.3M | 348.88M |
| Efficiency Ratio | 59.95% | 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 Tax | 36.34M | 20.26M | 29.87M | 22.82M | 34.34M | 31.63M | 30.22M | 34.85M | 41.63M |
| 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) | 42.87M | 67.28M | 98.74M | 77.76M | 124.4M | 106.51M | 104.03M | 120.99M | 144.88M |
| 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) | 1.01 | 1.40 | 1.92 | 1.45 | 2.20 | 1.67 | 1.24 | 1.43 | 1.62 |
| Diluted Shares Outstanding | 43.35M | 48.75M | 52.03M | 53.93M | 57.09M | 64.26M | 84.33M | 85.04M | 91.94M |
Seacoast Banking Corporation of Florida (SBCF) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1.07B | 990.02M | 1.08B | 1.8B | 2.38B | 2.08B | 2.29B | 2.67B | 5.35B |
| Cash & Due from Banks | 122.06M | 124.19M | 128.27M | 404.84M | 737.73M | 205.18M | 453.04M | 479.82M | 181.43M |
| Short Term Investments | 949.46M | 865.83M | 946.86M | 1.4B | 1.64B | 1.87B | 1.84B | 2.19B | 5.16B |
| Total Investments | 5.21B | 6.06B | 6.43B | 7.29B | 8.16B | 10.65B | 12.43B | 13.04B | 5.16B |
| Investments Growth % | 23.47% | 16.38% | 6.04% | 13.5% | 11.82% | 30.61% | 16.72% | 4.87% | -60.4% |
| Long-Term Investments | 4.26B | 5.2B | 5.48B | 5.9B | 6.51B | 8.78B | 10.6B | 10.85B | 0 |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 166.68M | 230.73M | 225.35M | 237.92M | 267M | 551.6M | 828.06M | 804.14M | 1.23B |
| Goodwill | 147.58M | 204.75M | 205.29M | 221.18M | 252.15M | 480.32M | 732.42M | 732.42M | 1.03B |
| Intangible Assets | 19.1M | 25.98M | 20.07M | 16.75M | 14.85M | 71.28M | 95.64M | 71.72M | 195.7M |
| PP&E (Net) | 66.88M | 71.02M | 66.61M | 75.12M | 72.4M | 116.89M | 113.3M | 107.56M | 160.14M |
| Other Assets | 248.21M | 264.31M | 280.31M | 306.74M | 420.52M | 524.5M | 641.82M | 640.85M | 0 |
| Total Current Assets | 1.07B | 990.02M | 1.08B | 1.8B | 2.38B | 2.08B | 2.29B | 2.67B | 5.35B |
| Total Non-Current Assets | 4.74B | 5.76B | 6.03B | 6.54B | 7.3B | 10.07B | 12.29B | 12.5B | 1.46B |
| 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 Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 497.62M | 665.13M | 472.21M | 190.97M | 193.21M | 406.56M | 530.88M | 584.04M | 1.34B |
| Net Debt | 375.56M | 540.93M | 343.93M | -213.86M | -544.52M | 201.39M | 77.84M | 104.22M | 1.16B |
| Long-Term Debt | 281.52M | 450.8M | 386.08M | 71.36M | 71.65M | 234.53M | 156.3M | 351.97M | 947.76M |
| Short-Term Debt | 216.09M | 214.32M | 86.12M | 119.61M | 121.56M | 172.03M | 374.57M | 232.07M | 389M |
| Other Liabilities | 30.13M | 41.02M | 65.91M | 88.45M | 109.9M | 149.83M | 164.35M | 166.6M | -947.76M |
| Total Current Liabilities | 4.81B | 5.39B | 5.67B | 7.05B | 8.19B | 10.15B | 12.15B | 12.47B | 13.42B |
| Total Non-Current Liabilities | 311.65M | 491.83M | 452M | 159.82M | 181.54M | 384.36M | 320.65M | 518.57M | 0 |
| Total Liabilities | 5.12B | 5.88B | 6.12B | 7.21B | 8.37B | 10.54B | 12.47B | 12.99B | 17.79B |
| 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 Share | 15.91 | 17.73 | 18.94 | 20.96 | 22.96 | 25.02 | 25.00 | 25.67 | 33.24 |
| Tangible BV per Share | 12.06 | 13.00 | 14.61 | 16.55 | 18.28 | 16.43 | 15.18 | 16.22 | 19.85 |
| Common Stock | 4.69M | 5.14M | 5.15M | 5.52M | 5.85M | 7.16M | 8.49M | 8.63M | 9.87M |
| Additional Paid-in Capital | 661.63M | 778.5M | 786.24M | 856.09M | 963.85M | 1.38B | 1.81B | 1.82B | 2.2B |
| Retained Earnings | 29.91M | 97.07M | 195.81M | 256.7M | 358.6M | 423.86M | 467.31M | 526.64M | 603.79M |
| Accumulated OCI | -4.22M | -13.06M | 4.46M | 20.37M | -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 Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 343.13M |
Seacoast Banking Corporation of Florida (SBCF) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 48.91M | 129.61M | 117.75M | 60.65M | 154.57M | 195.86M | 150.61M | 179.9M | 188.06M |
| Operating CF Growth % | -21.12% | 165% | -9.15% | -48.49% | 154.85% | 26.71% | -23.1% | 19.45% | 4.54% |
| Net Income | 42.87M | 67.28M | 98.74M | 77.76M | 124.4M | 106.51M | 104.03M | 120.99M | 144.88M |
| Depreciation & Amortization | 4.92M | 5.2M | 8.53M | 1.72M | -3.85M | 10.63M | 423K | 19.21M | 39.75M |
| Deferred Taxes | 35.83M | 459K | 6.79M | -4.93M | 3.84M | -10.4M | 9.44M | 9.55M | 12.04M |
| Other Non-Cash Items | -13.03M | 29.98M | 6.26M | -4.43M | 35.05M | 55.41M | 41M | 20.36M | 45.02M |
| Working Capital Changes | -26.94M | 19.16M | -9.82M | -16.78M | -13.55M | 22.55M | -17.72M | -3.95M | -69.37M |
| Cash from Investing | -245.58M | -174.6M | -321.34M | -342.5M | -412.51M | -364.88M | 527.45M | -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 Investments | 533.25M | 285.24M | 346.89M | 476.66M | 764.23M | 882.89M | 402.99M | 649.03M | 2.38B |
| Net Investment Activity | 23.7M | 180.59M | 37.43M | -353.64M | -758.13M | -16.8M | 302.11M | -344.89M | 122.08M |
| Acquisitions | 23.82M | 22.35M | 0 | 71.97M | 98.1M | 281.75M | 141.67M | 0 | 169.56M |
| Other Investing | -287.39M | -373.52M | -356.25M | -59.24M | 251.84M | -617.18M | 93.95M | -257.96M | -989.23M |
| Cash from Financing | 196.53M | 51.44M | 212.18M | 561.41M | 591.58M | -366.77M | -432.82M | 456.41M | 430.64M |
| Dividends Paid | 0 | 0 | 0 | 0 | -22.51M | -41.24M | -60.59M | -61.65M | -67.73M |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | -10.87M | -880K | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1.35M |
| Net Stock Activity | 0 | 0 | 0 | 0 | 0 | 0 | -10.87M | -880K | -1.35M |
| Debt Issuance (Net) | -1000K | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | 1000K | 1000K |
| Other Financing | 344.89M | -40.56M | 277.18M | 876.41M | 647.09M | -330.53M | -116.36M | 323.94M | -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 Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 109.64M | 109.5M | 115.95M | 124.53M | 404.09M | 737.73M | 201.94M | 447.18M | 476.61M |
| Cash at End | 109.5M | 115.95M | 124.53M | 404.09M | 737.73M | 201.94M | 447.18M | 476.61M | 388.55M |
| Interest Paid | 15.13M | 28.3M | 46.13M | 23.55M | 9.98M | 13.74M | 191.22M | 287.27M | 277.64M |
| Income Taxes Paid | 400K | 13.2M | 16M | 27.71M | 30.89M | 29.59M | 0 | 18.5M | 15.56M |
| 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% |
Seacoast Banking Corporation of Florida (SBCF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 2.98% | 3.03% | 3.13% | 3.43% | 3.15% | 2.85% | 3.01% | 3.35% | 2.85% | 2.66% |
| Efficiency Ratio | 70.42% | 59.95% | 55.68% | 46.38% | 53.17% | 55.58% | 59.74% | 51.34% | 42.31% | 40.12% |
| Equity / Assets | 9.3% | 11.87% | 12.81% | 13.87% | 13.55% | 13.54% | 13.24% | 14.46% | 14.39% | 14.66% |
| Book Value / Share | 11.61 | 15.91 | 17.73 | 18.94 | 20.96 | 22.96 | 25.02 | 25 | 25.67 | 33.24 |
| NII Growth | 27.49% | 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% |
Seacoast Banking Corporation of Florida (SBCF) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 28, 2026·SEC
Mar 26, 2026·SEC
Feb 11, 2026·SEC
Seacoast Banking Corporation of Florida (SBCF) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
Seacoast Banking Corporation of Florida (SBCF) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates