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

$2.92B

PER (TTM)

19.9

14.2

配当利回り

2.5%

52週高値

$35.55

52週安値

$21.36

52週レンジ

60%

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

$52.49M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

BKU

$2.14B

+5.8%

BANC

$1.81B

-3.3%

WSBC

$1.43B

+51.4%

粗利益率 (最新四半期)

PRK

83.5%

+4.2pp

CVBF

81.1%

+23.7pp

BOH

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	$3.24B	12.2	9.0%	5.6%
WSBC	$3.18B	13.3	5.7%	6.0%
CBU	$2.99B	15.1	11.0%	4.3%

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

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月22日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし