Seacoast Banking Corporation of Florida

NASDAQ•SBCF

執行長: Mr. Charles M. Shaffer CPA

板塊: Financial Services

行業: 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.

聯絡資訊

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

772-287-4000

www.seacoastbanking.com

市值

$3.05B

本益比 (TTM)

20.8

14.6

股息率

2.3%

52周最高

$35.55

52周最低

$21.36

52周範圍

69%

排名40Top 42.0%

4.1

F-Score

改良版 Piotroski 分析

基於 10 年期基本面

一般 • 4.1 / 9 分

評分區間 (0-9)

8-9: 價值優異

6-7: 基本面強勁

4-5: 整體穩健

0-3: 表現疲弱

資料區間: 2016-2025

財務儀表板

Q4 2025 數據

營業收入

$247.62M+21.98%

近4季度走勢

每股收益

$0.33-17.50%

近4季度走勢

自由現金流

$167.85M+0.00%

近4季度走勢

2025 Annual 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (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

關鍵指標

股票代碼	市值	本益比 (TTM)	股東權益報酬率 (TTM)	負債率
BKU	$3.34B	12.6	9.0%	5.6%
WSBC	$3.24B	13.6	5.7%	6.0%
CBU	$3.07B	15.5	11.0%	4.3%

長期趨勢

近4季度

營業收入

淨利

營運現金流

4季度營業收入複合增長率

6.3%

穩定增長

4季度淨利複合增長率

2.9%

盈利能力緩慢提升

現金流穩定性

100%

現金流表現優異

深度研究

下次財報:2026年4月22日

每股收益:-

營業收入:-

財務數據

電話會議

財務報告

新聞

損益表

資產負債表

現金流量表

財務比率

變化率

損益表	過去12個月

無資料