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Seacoast Banking Corporation of Florida(SBCF)Earnings, Financials & Key Ratios
SBCF•NASDAQ•Banking & Credit
19.5× P/E·Price updated Jun 19, 2026
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%
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.
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SBCF Price & Volume
Seacoast Banking Corporation of Florida (SBCF) stock price & volume — 10-year historical chart
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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
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 28, 2026Metric
Actual
Est
EPS
$0.62+6.9%
$0.58
Rev
$205M-0.2%
$206M
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.44-13.7%
$0.51
Rev
$205M+1.8%
$201M
Q4 2025
Oct 27, 2025Metric
Actual
Est
EPS
$0.52+13.5%
$0.46
Rev
$157M+1.6%
$155M
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$0.52+23.8%
$0.42
Rev
$151M-0.7%
$152M
| 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% |
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
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 SFBS | 4.4B | 80.46 | 15.90 | 4.13% | 27.18% | 15.75% | 0.81 | |
 FCNCA | 24.07B | 2071.62 | 12.50 | -2.97% | 15.22% | 9.94% | 1.62 | |
 IBCP | 706.3M | 34.31 | 10.49 | -0.3% | 22.12% | 14.2% | 0.23 | |
 CVBF | 2.83B | 20.81 | 13.69 | -2.33% | 32.48% | 9.25% | 0.43 | |
 BUSE | 2.41B | 28.23 | 19.20 | 57.56% | 12.96% | 5.69% | 0.20 | |
 FULT | 4.41B | 22.90 | 11.01 | 5.03% | 20.7% | 11.6% | 0.37 | |
 WSFS | 3.91B | 74.14 | 14.57 | -3.05% | 21.14% | 10.65% | 0.11 | |
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 |
Compare SBCF vs Peers
Seacoast Banking Corporation of Florida (SBCF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SBCF Income Statement
Seacoast Banking Corporation of Florida (SBCF) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | 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 |
SBCF Balance Sheet
Seacoast Banking Corporation of Florida (SBCF) balance sheet — assets, liabilities & shareholders' equity
| Metric | 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 |
SBCF Cash Flow Statement
Seacoast Banking Corporation of Florida (SBCF) cash flow — operating, investing & free cash flow history
| Metric | 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% |
SBCF Banking Ratios
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% |
Related:SBCF Dividend History·SBCF Revenue History·SBCF Price History·SBCF P/E History·SBCF Financial Ratios·SBCF Institutional Holders
SBCF SEC Filings & Documents
Seacoast Banking Corporation of Florida (SBCF) SEC filings — annual & quarterly reports (10-K, 10-Q)
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 2.39%. 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.