Seacoast Banking Corporation of Florida

NASDAQ•SBCF

CEO: Mr. Charles M. Shaffer CPA

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1984-02-02

Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides integrated financial services to retail and commercial customers in Florida. 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 and family purposes. It also provides wealth management, mortgage, and insurance services through online and mobile banking solutions, as well as brokerage and annuity services. Seacoast Banking Corporation of Florida was founded in 1926 and is headquartered in Stuart, Florida.

Contact Information

815 Colorado Avenue, Stuart, FL, 34994, United States

772-287-4000

www.seacoastbanking.com

Market Cap

$3.00B

P/E (TTM)

20.4

14.6

Dividend Yield

2.4%

52W High

$35.55

52W Low

$21.36

52W Range

65%

Rank40Top 42.0%

4.1

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.1 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$247.62M+21.98%

4-Quarter Trend

EPS

$0.33-17.50%

4-Quarter Trend

FCF

$167.85M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Asset Scale Increased via Acquisitions Total assets grew 37% year-over-year to $20.8B, driven by the successful acquisitions of VBI and Heartland in 2025.

Net Income and NII Growth Net income rose 20% to $144.9M; Net Interest Income increased 28% to $553.5M, reflecting strong balance sheet expansion.

Net Interest Margin Expansion FTE Net Interest Margin expanded 34 basis points to 3.58% for 2025, largely driven by lower average interest-bearing liability costs.

Improved Asset Quality Metrics Asset quality improved as nonaccrual loans decreased to $72.0M (0.57% of loans) by year-end 2025.

Risk Factors

Integration and Synergy Realization Integration risks persist post-VBI/Heartland mergers; failure to realize expected synergies may negatively affect performance and costs.

Interest Rate Risk Exposure Interest rate sensitivity analysis shows potential NIM compression under adverse parallel rate shift scenarios, impacting future earnings.

CRE Concentration Risk CRE exposure remains significant at 227% of total risk-based capital, sensitive to cyclical stress in Florida real estate markets.

Funding Cost Pressures Reliance on wholesale funding sources could increase funding costs if deposit mix shifts away from low-cost core deposits.

Outlook

2026 Revenue and Efficiency Targets 2026 adjusted revenue growth projected between 29% and 31%; efficiency ratio targeted to improve to 53%-55%.

Projected 2026 Earnings Per Share Adjusted diluted EPS for the full year 2026 is projected to range between $2.48 and $2.52, reflecting economic assumptions.

Deposit Growth Expectations Expect continued organic deposit growth in the low to mid single digits throughout 2026, supporting funding stability.

Interest Rate Environment Assumptions 2026 outlook incorporates assumptions including 25 basis point Federal Funds rate cuts in June and September 2026.

Peer Comparison

Revenue (TTM)

BKU

$2.14B

+5.8%

BANC

$1.81B

-3.3%

WSBC

$1.43B

+51.4%

Gross Margin (Latest Quarter)

PRK

83.5%

+4.2pp

CVBF

81.1%

+23.7pp

BOH

69.8%

+9.3pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
BKU	$3.30B	12.5	9.0%	5.6%
WSBC	$3.18B	13.3	5.7%	6.0%
CBU	$3.04B	15.3	11.0%	4.3%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

6.3%

Steady Growth

4Q Net Income CAGR

2.9%

Profitability Slowly Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 22, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data