Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Seacoast Banking Corporation of Florida's quarterly P/E stands at 27.1x, up 57.4% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 179.9% YoY to 26.4x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 19.65 | 27.09 | 18.11 | 13.81 | 17.39 | 17.21 | 18.51 | 16.42 | 20.48 | 20.33 | 14.84 | 14.93 | 39.50 |
| — | +57.4% | -2.1% | -15.9% | -15.1% | -15.4% | +24.7% | +9.9% | -48.2% | -11.4% | -7.7% | -4.2% | +48.9% | |
| P/S Ratio | 3.49 | 3.46 | 2.94 | 2.71 | 2.66 | 2.88 | 2.73 | 2.48 | 2.76 | 3.13 | 2.38 | 2.41 | 2.65 |
| — | +19.9% | +7.6% | +9.2% | -3.6% | -7.8% | +14.6% | +2.8% | +4.1% | -18.7% | -45.4% | -52.5% | -54.1% | |
| P/B Ratio | 0.93 | 1.12 | 1.12 | 1.04 | 0.99 | 1.07 | 1.03 | 0.94 | 1.02 | 1.15 | 0.92 | 0.92 | 0.93 |
| — | +4.5% | +8.3% | +10.4% | -3.6% | -6.9% | +12.5% | +2.3% | +9.6% | -16.8% | -36.9% | -40.2% | -41.5% | |
| P/FCF | 16.95 | 16.31 | 24.01 | 8.32 | 19.76 | 13.06 | 10.81 | 9.17 | 22.64 | 20.75 | 7.61 | 11.25 | 66.12 |
| — | +24.9% | +122.1% | -9.2% | -12.7% | -37.1% | +42.1% | -18.5% | -65.8% | +77.7% | -35.4% | -7.4% | +557.4% | |
| EV / EBITDA | 22.45 | 26.35 | 16.00 | 12.85 | 13.05 | 9.41 | 19.75 | 10.16 | 13.20 | 15.25 | 10.42 | 10.31 | 39.71 |
| — | +179.9% | -19.0% | +26.4% | -1.1% | -38.3% | +89.5% | -1.4% | -66.8% | -16.8% | -2.6% | +42.0% | +290.5% | |
| EV / EBIT | 22.45 | 26.35 | 17.88 | 13.73 | 15.11 | 14.03 | 13.93 | 11.47 | 14.91 | 16.58 | 10.33 | 10.35 | 32.31 |
| — | +87.9% | +28.4% | +19.7% | +1.3% | -15.4% | +34.8% | +10.8% | -53.9% | -13.4% | -12.7% | +30.4% | +203.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Seacoast Banking Corporation of Florida's operating margin was 17.5% in Q4 2025, down 3.2 pp QoQ and down 3.9 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 20.9% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin contracted 12.9% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.6% | 55.3% | 65.7% | 67.4% | 63.6% | 63.5% | 59.6% | 60.1% | 63.2% | 63.9% | 68.0% | 76.2% | 66.9% |
| — | -12.9% | +10.2% | +12.1% | +0.7% | -0.7% | -12.4% | -21.1% | -5.6% | -24.9% | -25.9% | -21.5% | -26.5% | |
| Operating Margin | 21.4% | 17.5% | 20.7% | 25.4% | 19.8% | 21.5% | 18.9% | 19.4% | 17.2% | 19.5% | 20.5% | 21.2% | 8.0% |
| — | -18.3% | +9.7% | +30.9% | +14.7% | +10.3% | -7.8% | -8.4% | +114.2% | -11.2% | -42.6% | -48.8% | -71.5% | |
| Net Margin | 16.7% | 13.8% | 16.1% | 19.6% | 15.2% | 16.8% | 14.8% | 15.0% | 13.3% | 15.2% | 15.9% | 16.0% | 6.6% |
| — | -17.6% | +9.1% | +30.9% | +15.0% | +10.4% | -7.2% | -6.2% | +102.2% | -8.0% | -41.6% | -50.9% | -70.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.5% | 1.3% | 1.6% | 1.9% | 1.4% | 1.6% | 1.4% | 1.4% | 1.2% | 1.4% | 1.5% | 1.5% | 0.6% |
| — | -19.0% | +10.7% | +33.2% | +15.9% | +9.6% | -7.4% | -6.5% | +90.4% | -14.0% | -31.4% | -37.6% | -58.1% | |
| ROA | 0.8% | 0.2% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% |
| — | -18.7% | +9.9% | +32.7% | +15.2% | +11.8% | -3.3% | -1.6% | +104.9% | -5.5% | -23.9% | -31.6% | -56.9% | |
| ROIC | 3.9% | 0.8% | 1.1% | 1.3% | 1.1% | 1.2% | 1.1% | 1.1% | 1.0% | 1.1% | 1.2% | 1.1% | 0.5% |
| — | -29.5% | -2.9% | +20.0% | +10.9% | +8.2% | -8.1% | -4.1% | +112.0% | -20.2% | -39.2% | -43.8% | -65.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Seacoast Banking Corporation of Florida's Debt/EBITDA ratio is 30.8x, up from 19.7x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 85.9% YoY to 0.40x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.44 | 0.44 | 0.43 | 0.44 | 0.35 | 0.27 | 0.26 | 0.26 | 0.26 | 0.25 | 0.24 | 0.27 | 0.37 |
| — | +63.5% | +69.7% | +72.3% | +35.2% | +6.2% | +6.5% | -4.9% | -30.6% | -0.4% | +86.5% | +97.4% | +160.3% | |
| Debt / EBITDA | 7.17 | 30.76 | 19.70 | 17.08 | 16.36 | 8.99 | 20.30 | 12.42 | 14.21 | 12.92 | 12.27 | 13.36 | 64.18 |
| — | +242.2% | -2.9% | +37.5% | +15.1% | -30.4% | +65.4% | -7.1% | -77.9% | +5.2% | +213.7% | +233.8% | +821.5% | |
| Current Ratio | 0.40 | 0.40 | 0.26 | 0.25 | 0.24 | 0.21 | 0.23 | 0.22 | 0.21 | 0.19 | 0.21 | 0.21 | 0.22 |
| — | +85.9% | +17.2% | +14.6% | +14.5% | +13.7% | +9.6% | +4.6% | -4.3% | -7.9% | -12.7% | -27.7% | -28.7% | |
| Quick Ratio | 0.40 | 0.40 | 0.26 | 0.25 | 0.24 | 0.21 | 0.23 | 0.22 | 0.21 | 0.19 | 0.21 | 0.21 | 0.22 |
| — | +85.9% | +17.2% | +14.6% | +14.5% | +13.7% | +9.6% | +4.6% | -4.3% | -7.9% | -12.7% | -27.7% | -28.7% | |
| Interest Coverage | 0.66 | 0.53 | 0.68 | 0.83 | 0.62 | 0.62 | 0.51 | 0.52 | 0.48 | 0.57 | 0.67 | 0.88 | 0.54 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Seacoast Banking Corporation of Florida's current P/E is 19.6x. The average P/E over the last 4 quarters is 19.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Seacoast Banking Corporation of Florida's current operating margin is 21.4%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Seacoast Banking Corporation of Florida's business trajectory between earnings reports.