Seacoast Banking Corporation of Florida(SBCF)Earnings, Financials & Key Ratios

SBCF•NASDAQ•Banking & Credit

$32.64

20.7× P/E·Price updated Jul 7, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryBanks with large fee businesses

AboutSeacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides financial services to retail and commercial customers in Florida. It offers commercial and retail banking, wealth management, and mortgage services; and brokerage and annuity services. 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 or family purposes. As of December 31, 2021, it had 54 branch and commercial lending offices. The company was founded in 1926 and is headquartered in Stuart, Florida.Show more

Net Interest Income$553M+28.1%
Total Revenue$870M+7.5%
Net Income$145M+19.7%
Return on Equity5.53%-1.9%
Net Interest Margin2.66%-6.7%
Efficiency Ratio40.12%-5.2%
ROA0.8%-1.1%
Equity / Assets14.66%+1.9%
Book Value per Share33.24+29.5%

SBCF Price & Volume

Seacoast Banking Corporation of Florida (SBCF) stock price & volume — 10-year historical chart

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Inorganic Growth Masks Persistent Margin Compression Risks

Investment Thesis • Updated 2026Q1

VerdictNeutral

Growth:Mixed

Profitability:Strained

Financial:Vulnerable

Cash Flow:Mixed

Primary Risk:Florida CRE concentration risk

Key Thesis Takeaways

Seacoast Banking Corporation's aggressive acquisition strategy has expanded total assets to $21.1 billion as of 2026Q1, yet this growth appears to be masking underlying profitability challenges and persistent margin compression.
The bank's heavy concentration in the Florida commercial real estate market, coupled with a thin equity-to-assets ratio of 0.14, leaves the institution vulnerable to localized economic volatility.
Investors should monitor whether the recent spike in loan loss provisions to $29.3 million in 2025Q4 signals a broader deterioration in credit quality that could further strain capital buffers.

Verdict Logic

while the forward P/E of 13.31 suggests a moderate valuation, the combination of a 0.8% NIM and rising credit provisions to $29.3 million in 2025Q4 indicates significant execution risk.

SBCF Growth Metrics

Seacoast Banking Corporation of Florida (SBCF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years19.34%

5 Years20.06%

3 Years24.87%

TTM-

Profit CAGR

10 Years20.66%

5 Years13.25%

3 Years10.8%

TTM14.92%

EPS CAGR

10 Years9.12%

5 Years1.87%

3 Years-1.63%

TTM0.67%

Return on Capital

10 Years7.33%

5 Years7.03%

3 Years5.28%

Last Year3.69%

SBCF Recent Earnings

Seacoast Banking Corporation of Florida (SBCF) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 8/12 qtrs (67%)●Beat Revenue 6/12 qtrs (50%)

Q2 2026Latest

Apr 28, 2026

Metric

Actual

Est

EPS

$0.62+6.9%

$0.58

Rev

$205M-0.2%

$206M

Q1 2026

Jan 29, 2026

Metric

Actual

Est

EPS

$0.44-13.7%

$0.51

Rev

$205M+1.8%

$201M

Q4 2025

Oct 27, 2025

Metric

Actual

Est

EPS

$0.52+13.5%

$0.46

Rev

$157M+1.6%

$155M

Q3 2025

Jul 24, 2025

Metric

Actual

Est

EPS

$0.52+23.8%

$0.42

Rev

$151M-0.7%

$152M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 28, 2026	$0.62vs $0.58+6.9%	$205Mvs $206M-0.2%
Q1 2026	Jan 29, 2026	$0.44vs $0.51-13.7%	$205Mvs $201M+1.8%
Q4 2025	Oct 27, 2025	$0.52vs $0.46+13.5%	$157Mvs $155M+1.6%
Q3 2025	Jul 24, 2025	$0.52vs $0.42+23.8%	$151Mvs $152M-0.7%

Based on last 12 quarters of dataView full earnings history →

Latest SBCF News

Recent stock market news and headlines for Seacoast Banking Corporation of Florida (SBCF)

Business Wire·1 day ago

Seacoast Banking Corporation of Florida to Announce Second Quarter Earnings Results July 28, 2026

STUART, Fla.--(BUSINESS WIRE)--Seacoast Banking Corporation of Florida (NASDAQ: SBCF), a bank holding company whose operating entity is Seacoast Bank, today announced it will release second quarter 2026 results on July 28th, after the market closes. Upon release, investors may access a copy of Seacoast's earnings results at the company's website www.SeacoastBanking.com on the home page by selecting “Press Releases” under the heading “News/Events.” Seacoast will host a conference call July 29th.

Peers Comparison

Key metrics vs top competitors for Seacoast Banking Corporation of Florida (SBCF)

Full Screener →

Company	Price	Market Cap	P/E Ratio	Rev Growth (1Y)	Net Margin	ROE	Div Yield
SBCFSeacoast Banking Corporation of FloridaCurrent	$32.64	$3.17B	20.66	7.49%	16.66%	5.53%	2.26%
SFBSServisFirst Bancshares, Inc.	$86.05	$4.7B	17.01	4.13%	29.04%	16.31%	—
FCNCAFirst Citizens BancShares, Inc.	$2092.43	$24.24B	12.62	-2.97%	15.62%	10.19%	—
IBCPIndependent Bank Corporation	$35.76	$736.88M	10.94	-0.3%	22.54%	14.15%	—
CVBFCVB Financial Corp.	$22.58	$3.06B	14.86	-2.33%	32.4%	9.16%	—
BUSEFirst Busey Corporation	$29.22	$2.47B	19.88	57.56%	19.16%	8.84%	—

Compare SBCF vs Peers

Seacoast Banking Corporation of Florida (SBCF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SFBS

Most directly comparable listed peer for SBCF.

Scale Benchmark

vs ICE

Larger-name benchmark to compare SBCF against a more recognizable public peer.

Peer Set

Compare Top 5

vs SFBS, FCNCA, IBCP, CVBF

SBCF SEC Filings & Documents

Seacoast Banking Corporation of Florida (SBCF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

May 29, 2026·SEC

Material company update

May 20, 2026·SEC

Material company update

May 13, 2026·SEC

10-K Annual Reports

FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 25, 2025·SEC

10-Q Quarterly Reports

FY 2026

May 6, 2026·SEC

FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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SBCF Frequently Asked Questions

Seacoast Banking Corporation of Florida (SBCF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

How fast is Seacoast Banking Corporation of Florida growing?

Seacoast Banking Corporation of Florida (SBCF) grew revenue by 7.5% over the past year. This is steady growth.

Is SBCF profitable?

Yes, Seacoast Banking Corporation of Florida (SBCF) is profitable, generating $145.3M in net income for fiscal year 2025 (16.7% net margin).

Dividend & Returns

Does SBCF pay dividends?

Yes, Seacoast Banking Corporation of Florida (SBCF) pays a dividend with a yield of 2.26%. This makes it attractive for income-focused investors.

What is SBCF's return on equity?

Seacoast Banking Corporation of Florida (SBCF) has a return on equity (ROE) of 5.5%. This is below average, suggesting room for improvement.

Industry Metrics

What is Seacoast Banking Corporation of Florida's net interest margin?

Seacoast Banking Corporation of Florida (SBCF) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.

What is Seacoast Banking Corporation of Florida's efficiency ratio?

Seacoast Banking Corporation of Florida (SBCF) has an efficiency ratio of 40.1%. This is excellent, indicating strong cost control.

What if you invested $1,000 in SBCF back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →

Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 28, 2026

$0.62vs $0.58+6.9%

$205Mvs $206M-0.2%

Q1 2026

Jan 29, 2026

$0.44vs $0.51-13.7%

$205Mvs $201M+1.8%

Q4 2025

Oct 27, 2025

$0.52vs $0.46+13.5%

$157Mvs $155M+1.6%

Q3 2025

Jul 24, 2025

$0.52vs $0.42+23.8%

$151Mvs $152M-0.7%

Company

Price

Market Cap

P/E Ratio

Rev Growth (1Y)

Net Margin

ROE

Div Yield

SBCFSeacoast Banking Corporation of FloridaCurrent

$32.64

$3.17B

20.66

7.49%

16.66%

5.53%

2.26%

SFBSServisFirst Bancshares, Inc.

$86.05

$4.7B

17.01

4.13%

29.04%

16.31%

—

FCNCAFirst Citizens BancShares, Inc.

$2092.43

$24.24B

12.62

-2.97%

15.62%

10.19%

—

IBCPIndependent Bank Corporation

$35.76

$736.88M

10.94

-0.3%

22.54%

14.15%

—

CVBFCVB Financial Corp.

$22.58

$3.06B

14.86

-2.33%

32.4%

9.16%

—

BUSEFirst Busey Corporation

$29.22

$2.47B

19.88

57.56%

19.16%

8.84%

—