Seacoast Banking Corporation of Florida

NASDAQ•SBCF

CEO: Mr. Charles M. Shaffer CPA

板块: Financial Services

行业: Banks - Regional

上市日期: 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.

联系方式

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

772-287-4000

www.seacoastbanking.com

市值

$3.16B

市盈率 (TTM)

21.6

15.5

股息率

2.3%

52周最高

$35.55

52周最低

$22.21

52周范围

75%

排名40Top 42.0%

4.1

F-Score

改良版 Piotroski 分析

基于 10 年期基本面

一般 • 4.1 / 9 分

评分区间 (0-9)

8-9: 价值优异

6-7: 基本面强劲

4-5: 整体稳健

0-3: 表现疲弱

数据范围: 2016-2025

财务仪表盘

Q4 2025 数据

营业收入

$247.62M+21.98%

近4季度走势

每股收益

$0.33-17.50%

近4季度走势

自由现金流

$52.49M+0.00%

近4季度走势

2025 Annual 财报亮点

核心亮点

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.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (TTM)

BKU

$2.14B

+5.8%

BANC

$1.81B

-3.3%

WSBC

$1.43B

+51.4%

毛利率 (最新季度)

PRK

83.5%

+4.2pp

CVBF

81.1%

+23.7pp

BOH

69.8%

+9.3pp

关键指标

股票代码	市值	市盈率 (TTM)	净资产收益率 (TTM)	负债率
BKU	$3.50B	13.4	9.0%	5.6%
WSBC	$3.46B	14.5	5.7%	6.0%
CBU	$3.26B	16.4	11.0%	4.3%

长期趋势

近4季度

营业收入

净利润

经营现金流

4季度营收复合增长率

6.3%

稳定增长

4季度净利润复合增长率

2.9%

盈利能力缓慢改善

现金流稳定性

100%

现金流表现优异

深度研究

下次财报:2026年4月22日

每股收益:-

营业收入:-

财务数据

电话会议

财务报告

新闻

利润表

资产负债表

现金流量表

财务比率

变化率

利润表	过去12个月

无数据