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Seacoast Banking Corporation of Florida

Seacoast Banking Corporation of Florida

NASDAQ•SBCF
CEO: Mr. Charles M. Shaffer CPA
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
815 Colorado Avenue, Stuart, FL, 34994, United States
772-287-4000
www.seacoastbanking.com
時価総額
$3.29B
PER (TTM)
22.5
14.8
配当利回り
2.2%
52週高値
$35.55
52週安値
$21.36
52週レンジ
86%
順位40Top 42.0%
4.1
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.1 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$247.62M+21.98%
直近4四半期の推移

EPS

$0.33-17.50%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

NII and NIM Expansion Q3 Net Interest Income grew 25% YoY to $133.5M; FTE NIM expanded 40 basis points to 3.57% driven by strong loan growth.
Strong GAAP Earnings Growth GAAP Net Income for nine months reached $110.6M, marking a 27% increase compared to the prior year period.
Balance Sheet Expansion Total assets grew 10% since year-end 2024 to $16.7B, supported by net loan growth of 6.4% to $10.8B.
Robust Capital Position Consolidated CET1 ratio remains strong at 13.87%, well exceeding regulatory minimums following recent acquisitions.

リスク要因

Credit Quality Coverage Stable ACL coverage ratio remained flat at 1.34% of loans, though total provision expense increased to $22.0M for the nine months.
Interest Rate Shock Exposure EVE analysis projects potential 18.3% decline in Economic Value of Equity under a severe 300 basis point parallel rate shock.
Merger Integration Costs Q3 included $10.8M in merger-related charges; full integration of Heartland and VBI acquisitions is expected through Q3 2026.
Nonaccrual Loan Levels Nonaccrual loans totaled $60.6M, a 34% decrease from year-end 2024, with CRE concentration remaining a key focus area.

見通し

Acquisition Accretion Expected Heartland acquisition is expected to be accretive to earnings beginning in 2026; VBI integration activities continue into 2026.
Deposit Cost Management Cost of deposits decreased significantly year-over-year, aiding NIM expansion despite ongoing interest rate environment uncertainty.
Strong Loan Pipeline Commercial and CRE pipeline stands at $1.1B as of September 30, 2025, reflecting 32% growth from June 30, 2025.
Subsequent Debt Redemption Company redeemed $12.5M in senior debt in October 2025, which will result in interest expense recognition in Q4 2025.

同業比較

売上高 (TTM)

BankUnited, Inc.BKU
$2.14B
+5.8%
Banc of California, Inc.BANC
$1.81B
-3.3%
WesBanco, Inc.WSBC
$1.43B
+51.4%

粗利益率 (最新四半期)

Park National CorporationPRK
83.5%
+4.2pp
CVB Financial Corp.CVBF
81.1%
+23.7pp
Bank of Hawaii CorporationBOH
69.8%
+9.3pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
BKU$3.69B13.99.0%5.3%
WSBC$3.52B14.75.7%5.8%
CBU$3.46B17.511.3%0.0%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
6.3%
安定成長
4四半期純利益CAGR
2.9%
収益性の緩やかな改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月22日
|
EPS:-
|
売上高:-
財務レポート
財務データ
ニュース
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月5日|
    売上高: $226.53M+9.0%
    |
    EPS: $0.42+16.7%
    予想を下回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月8日|
    売上高: $217.87M+7.9%
    |
    EPS: $0.50+38.9%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月7日|
    売上高: $206.44M+5.2%
    |
    EPS: $0.37+19.4%
    予想を下回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月25日|
    売上高: $808.99M+5.3%
    |
    EPS: $1.43+15.3%
    予想を上回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月6日|
    売上高: $207.79M+5.1%
    |
    EPS: $0.36-2.7%
    予想通り

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月7日|
    売上高: $201.99M+3.1%
    |
    EPS: $0.36-2.7%
    予想を上回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月8日|
    売上高: $196.20M+8.7%
    |
    EPS: $0.31+106.7%
    予想を下回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年2月27日|
    売上高: $768.13M+72.0%
    |
    EPS: $1.24-25.7%
    予想を下回る