Seacoast Banking Corporation of Florida (SBCF) Financials

$30.97 +1.80 (+6.17%)

Closing price 08/22/2025 04:00 PM Eastern

Extended Trading

$30.97 0.00 (0.00%)

As of 08/22/2025 05:25 PM Eastern

Annual Income Statements for Seacoast Banking Corporation of Florida

This table shows Seacoast Banking Corporation of Florida's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	22	29	43	67	99	78	124	107	104	121
Consolidated Net Income / (Loss)	22	29	43	67	99	78	124	107	104	121
Net Income / (Loss) Continuing Operations	22	29	43	67	99	78	124	107	104	121
Total Pre-Tax Income	36	44	79	88	129	101	159	138	134	156
Total Revenue	142	177	235	262	300	324	347	432	567	515
Net Interest Income / (Expense)	109	140	176	212	244	263	276	366	488	432
Total Interest Income	116	148	192	241	290	287	284	380	689	726
Loans and Leases Interest Income	94	119	154	200	251	254	251	316	581	597
Investment Securities Interest Income	21	27	35	39	36	30	30	57	83	100
Federal Funds Sold and Securities Borrowed Interest Income	1.02	1.67	2.42	-	-	-	-	7.62	25	29
Total Interest Expense	6.93	8.47	15	30	46	24	8.22	14	201	294
Deposits Interest Expense	3.31	4.67	8.33	20	38	20	6.39	9.96	179	269
Short-Term Borrowings Interest Expense	0.34	0.48	0.78	4.47	3.01	1.54	0.00	0.33	6.38	7.73
Long-Term Debt Interest Expense	3.28	3.32	6.19	3.16	3.37	2.18	1.69	3.06	7.25	7.49
Federal Funds Purchased and Securities Sold Interest Expense	-	-	-	1.80	1.43	0.28	0.14	0.99	8.32	9.39
Total Non-Interest Income	33	38	58	50	57	62	71	66	79	83
Service Charges on Deposit Accounts	-	-	-	-	12	9.43	9.78	15	23	26
Other Service Charges	-	-	-	51	17	24	30	19	24	33
Net Realized & Unrealized Capital Gains on Investments	33	38	58	-0.62	3.69	1.92	0.95	-1.10	-2.89	-8.02
Investment Banking Income	-	-	-	-	6.35	7.51	9.63	11	13	15
Other Non-Interest Income	-	-	-	-	18	19	20	23	22	18
Provision for Credit Losses	2.64	2.41	5.65	12	11	38	-9.42	26	38	16
Total Non-Interest Expense	104	131	150	162	161	186	197	268	396	343
Salaries and Employee Benefits	-	-	-	-	74	89	97	130	178	162
Net Occupancy & Equipment Expense	-	-	-	-	36	39	39	56	93	74
Marketing Expense	-	-	-	-	4.16	4.83	4.58	6.29	9.16	11
Other Operating Expenses	104	131	150	162	41	45	51	68	86	72
Amortization Expense	-	-	-	-	5.83	5.86	5.03	9.10	29	24
Other Special Charges	-	-	-	-	-	2.26	-0.26	-1.53	0.99	0.44
Income Tax Expense	14	15	36	20	30	23	34	32	30	35
Basic Earnings per Share	$0.66	$0.79	$1.01	$1.40	$1.92	$1.45	$2.20	$1.67	$1.24	$1.43
Weighted Average Basic Shares Outstanding	33.50M	36.87M	42.61M	47.97M	51.45M	53.50M	56.59M	63.71M	83.80M	84.37M
Diluted Earnings per Share	$0.66	$0.78	$0.99	$1.38	$1.90	$1.44	$2.18	$1.66	$1.23	$1.42
Weighted Average Diluted Shares Outstanding	33.74M	37.51M	43.35M	48.75M	52.03M	53.93M	57.09M	64.26M	84.33M	85.04M
Weighted Average Basic & Diluted Shares Outstanding	33.50M	37M	42.40M	48.10M	51.52M	55.25M	61.20M	84.53M	84.89M	85.61M
Cash Dividends to Common per Share	-	-	-	-	-	-	$0.39	$0.64	$0.71	$0.72

This table shows Seacoast Banking Corporation of Florida's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Income / (Loss) Attributable to Common Shareholders	29	24	12	31	31	30	26	30	31	34	31
Consolidated Net Income / (Loss)	29	24	12	31	31	30	26	30	31	34	31
Net Income / (Loss) Continuing Operations	29	24	12	31	31	30	26	30	31	34	31
Total Pre-Tax Income	38	32	15	41	40	38	34	39	39	44	41
Total Revenue	104	137	154	149	137	128	126	127	130	133	141
Net Interest Income / (Expense)	88	120	131	127	119	111	105	104	107	116	119
Total Interest Income	91	127	158	174	180	177	176	180	184	186	184
Loans and Leases Interest Income	74	105	135	148	150	148	147	147	151	152	151
Investment Securities Interest Income	16	19	19	21	21	21	22	24	26	27	29
Federal Funds Sold and Securities Borrowed Interest Income	1.64	3.13	3.47	-	8.48	-	6.18	-	7.14	-	4.20
Total Interest Expense	3.12	7.40	27	47	61	66	71	75	77	70	66
Deposits Interest Expense	2.00	5.29	22	42	55	61	65	69	71	64	59
Long-Term Debt Interest Expense	1.12	0.79	5.25	5.66	5.68	-9.35	5.97	6.14	6.49	-11	7.14
Total Non-Interest Income	16	18	22	22	18	17	20	22	24	17	22
Service Charges on Deposit Accounts	3.50	4.80	5.34	5.72	5.83	5.89	6.25	6.70	6.81	6.29	6.80
Other Service Charges	4.62	4.51	7.00	5.33	4.72	7.15	5.59	6.54	7.96	12	6.66
Net Realized & Unrealized Capital Gains on Investments	-0.25	-0.72	0.43	0.07	0.23	-3.62	0.97	0.65	0.58	-10	0.20
Investment Banking Income	2.73	2.89	3.06	3.32	3.14	3.26	3.54	3.77	3.84	4.02	4.25
Other Non-Interest Income	5.50	6.18	6.61	7.13	3.88	4.65	4.15	4.54	4.49	4.49	4.28
Provision for Credit Losses	4.68	14	32	-0.76	2.69	3.99	1.37	4.92	6.27	3.70	9.25
Total Non-Interest Expense	61	92	107	108	94	86	90	83	85	86	91
Salaries and Employee Benefits	28	45	48	45	46	38	40	39	41	42	42
Net Occupancy & Equipment Expense	12	21	25	31	19	18	22	17	17	18	18
Marketing Expense	1.46	1.77	2.24	2.05	1.88	3.00	2.66	3.27	2.73	2.13	2.75
Other Operating Expenses	18	19	26	22	19	19	19	17	18	18	21
Amortization Expense	1.45	4.76	6.73	7.65	7.46	6.89	6.29	6.00	6.00	5.59	5.31
Restructuring Charge	-	-	-	-	-	-	-	-	-	-	1.05
Other Special Charges	0.01	-0.41	0.20	-0.06	0.27	0.57	-0.03	-0.11	0.49	0.08	0.24
Income Tax Expense	9.12	7.79	2.70	10	9.08	8.26	7.83	8.91	8.60	9.51	9.39
Basic Earnings per Share	$0.48	$0.32	$0.15	$0.37	$0.37	$0.35	$0.31	$0.36	$0.36	$0.40	$0.37
Weighted Average Basic Shares Outstanding	61.44M	63.71M	80.15M	85.02M	85.14M	83.80M	84.91M	84.34M	84.43M	84.37M	84.65M
Diluted Earnings per Share	$0.47	$0.33	$0.15	$0.37	$0.37	$0.34	$0.31	$0.36	$0.36	$0.39	$0.37
Weighted Average Diluted Shares Outstanding	61.96M	64.26M	80.72M	85.54M	85.67M	84.33M	85.27M	84.82M	85.07M	85.04M	85.39M
Weighted Average Basic & Diluted Shares Outstanding	61.48M	84.53M	84.61M	85.09M	85.15M	84.89M	84.94M	85.30M	85.44M	85.61M	85.99M
Cash Dividends to Common per Share	$0.17	-	$0.17	$0.18	$0.18	-	$0.18	$0.18	$0.18	-	$0.18

This table details how cash moves in and out of Seacoast Banking Corporation of Florida's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	36	-26	-0.14	6.45	8.58	280	334	-536	245	29
Net Cash From Operating Activities	30	62	49	130	118	61	155	196	151	180
Net Cash From Continuing Operating Activities	30	62	49	130	118	61	155	196	151	180
Net Income / (Loss) Continuing Operations	22	29	43	67	99	78	124	107	104	121
Consolidated Net Income / (Loss)	22	29	43	67	99	78	124	107	104	121
Provision For Loan Losses	2.64	2.41	5.65	12	11	38	-9.42	26	38	16
Depreciation Expense	3.77	5.08	5.61	6.35	6.42	6.02	5.48	6.12	8.25	8.61
Amortization Expense	2.32	7.56	3.98	2.04	4.66	0.71	-3.11	5.09	-8.77	7.64
Non-Cash Adjustments to Reconcile Net Income	-208	-179	-18	23	6.75	-45	51	29	27	30
Changes in Operating Assets and Liabilities, net	207	196	8.89	19	-9.82	-17	-14	23	-18	-3.95
Net Cash From Investing Activities	-171	-512	-246	-175	-321	-343	-413	-365	527	-607
Net Cash From Continuing Investing Activities	-171	-512	-246	-175	-321	-343	-413	-365	527	-607
Purchase of Property, Leasehold Improvements and Equipment	-9.09	-6.05	-5.71	-4.02	-2.52	-1.59	-4.33	-13	-10	-4.03
Purchase of Investment Securities	-416	-1,047	-966	-542	-655	-859	-1,847	-1,048	-194	-1,063
Divestitures	33	236	24	22	-	72	98	282	142	0.00
Sale and/or Maturity of Investments	221	306	703	349	446	527	775	928	479	704
Other Investing Activities, net	0.00	0.00	-	-	-110	-82	566	-513	111	-244
Net Cash From Financing Activities	177	423	197	51	212	561	592	-367	-433	456
Net Cash From Continuing Financing Activities	177	423	197	51	212	561	592	-367	-433	456
Net Change in Deposits	240	27	333	-40	408	844	640	-384	-324	465
Issuance of Debt	-	415	0.00	92	65	35	0.00	75	110	355
Repayment of Debt	-80	-50	-204	0.00	-130	-350	-33	-70	-355	-160
Repurchase of Common Equity	-	-	-	-	-	-	0.00	0.00	-11	-0.88
Payment of Dividends	0.00	0.00	0.00	0.00	0.00	0.00	-23	-41	-61	-62
Other Financing Activities, Net	17	31	12	-0.79	-130	32	6.98	54	208	-142
Cash Interest Paid	6.64	7.86	15	28	46	24	9.98	14	191	287
Cash Income Taxes Paid	0.58	0.70	0.40	13	16	28	31	30	-5.92	18

This table details how cash moves in and out of Seacoast Banking Corporation of Florida's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Change in Cash & Equivalents	-683	-17	589	-63	-32	-249	236	67	-112	-160	24
Net Cash From Operating Activities	49	48	13	45	63	30	25	57	53	45	31
Net Cash From Continuing Operating Activities	49	48	13	45	63	30	25	57	54	45	31
Net Income / (Loss) Continuing Operations	29	24	12	31	31	30	26	30	31	34	31
Consolidated Net Income / (Loss)	29	24	12	31	31	30	26	30	31	34	31
Provision For Loan Losses	4.68	14	32	-0.76	2.69	3.99	1.37	4.92	6.27	3.70	9.25
Depreciation Expense	1.44	1.85	2.07	2.01	2.02	2.16	2.11	2.15	2.12	2.23	2.21
Amortization Expense	2.67	-0.53	-4.82	-2.20	-2.74	0.99	1.64	2.06	-15	19	3.41
Non-Cash Adjustments to Reconcile Net Income	13	-8.86	-14	11	13	18	1.55	9.26	-0.05	20	4.74
Changes in Operating Assets and Liabilities, net	-2.33	18	-14	4.29	16	-24	-8.00	8.23	29	-34	-20
Net Cash From Investing Activities	-282	384	193	136	159	39	-26	-78	-292	-211	-513
Net Cash From Continuing Investing Activities	-282	384	193	136	159	39	-26	-78	-292	-211	-513
Purchase of Property, Leasehold Improvements and Equipment	-9.25	-0.85	-5.81	-3.02	-0.84	-0.63	-0.76	-2.18	-0.95	-0.15	-3.21
Purchase of Investment Securities	-200	-53	-77	-33	-12	-72	-269	-128	-278	-387	-506
Sale and/or Maturity of Investments	76	596	108	144	66	161	157	128	157	262	157
Other Investing Activities, net	-149	-231	26	28	106	-49	87	-75	-170	-86	-161
Net Cash From Financing Activities	-450	-449	384	-244	-254	-318	237	88	126	5.23	506
Net Cash From Continuing Financing Activities	-450	-449	384	-244	-254	-318	237	88	126	5.23	506
Net Change in Deposits	-424	-520	209	-26	-175	-331	239	100	127	-1.16	332
Issuance of Debt	-	75	90	20	-	-	110	180	65	-	410
Repayment of Debt	-	-70	0.00	-245	-50	-60	-50	-110	-	-	-190
Payment of Dividends	-11	-12	-14	-15	-15	-15	-15	-15	-15	-15	-15
Other Financing Activities, Net	-16	78	99	23	-13	99	-47	-66	-51	22	-31
Cash Interest Paid	3.13	6.84	23	45	57	66	70	74	75	68	68
Cash Income Taxes Paid	10	10	0.01	6.07	-14	2.00	0.00	5.89	5.00	7.61	0.00

This table presents Seacoast Banking Corporation of Florida's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	3,535	4,681	5,810	6,748	7,109	8,342	9,681	12,146	14,580	15,176
Cash and Due from Banks	81	83	104	92	90	87	239	121	168	172
Interest Bearing Deposits at Other Banks	55	27	5.47	24	35	317	499	81	280	305
Time Deposits Placed and Other Short-Term Investments	-	0.00	13	8.24	3.74	0.75	0.00	3.24	5.86	3.22
Trading Account Securities	994	1,323	1,366	1,236	1,208	1,583	2,315	2,619	2,516	2,862
Loans and Leases, Net of Allowance	2,137	2,856	3,790	4,793	-35	5,643	5,842	8,031	9,914	10,162
Loans and Leases	2,156	2,880	3,817	4,825	-	5,735	5,925	8,145	10,063	10,300
Allowance for Loan and Lease Losses	19	23	27	32	35	93	83	114	149	138
Loans Held for Sale	24	15	24	-	20	69	-	3.15	4.39	17
Premises and Equipment, Net	55	59	67	71	67	75	72	117	113	108
Goodwill	25	65	148	205	205	221	252	480	732	732
Intangible Assets	8.59	15	19	26	20	17	15	75	96	72
Other Assets	155	239	274	293	5,495	330	6,290	615	751	744
Total Liabilities & Shareholders' Equity	3,535	4,681	5,810	6,748	7,109	8,342	9,681	12,146	14,580	15,176
Total Liabilities	3,181	4,246	5,120	5,883	6,123	7,212	8,371	10,538	12,472	12,993
Non-Interest Bearing Deposits	854	1,148	1,400	1,570	1,590	2,290	3,076	4,071	3,545	3,352
Interest Bearing Deposits	1,990	2,375	3,192	3,608	3,994	4,643	4,992	5,911	8,232	8,890
Short-Term Debt	-	204	216	214	86	120	122	172	375	232
Long-Term Debt	120	485	282	451	386	71	72	235	156	352
Other Long-Term Liabilities	45	33	30	41	66	88	110	150	164	167
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	353	435	690	864	986	1,130	1,311	1,608	2,108	2,183
Total Preferred & Common Equity	353	435	690	864	986	1,130	1,311	1,608	2,108	2,183
Total Common Equity	353	435	690	864	986	1,130	1,311	1,608	2,108	2,183
Common Stock	403	458	666	784	791	862	970	1,385	1,817	1,834
Retained Earnings	-43	-14	30	97	196	257	359	424	467	527
Treasury Stock	-0.07	-1.24	-2.36	-3.38	-6.03	-8.29	-11	-13	-17	-19
Accumulated Other Comprehensive Income / (Loss)	-6.21	-7.51	-4.22	-13	4.47	20	-6.99	-188	-160	-158

This table presents Seacoast Banking Corporation of Florida's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025
Total Assets	10,345	15,255	15,042	14,823	14,830	14,953	15,168	15,732
Cash and Due from Banks	176	181	164	182	138	169	183	191
Interest Bearing Deposits at Other Banks	42	611	564	514	545	581	454	309
Time Deposits Placed and Other Short-Term Investments	4.48	3.24	2.99	4.36	7.86	7.86	5.21	1.49
Trading Account Securities	2,635	2,754	2,624	2,533	2,619	2,625	2,806	3,253
Loans and Leases, Net of Allowance	6,596	9,979	9,958	9,862	9,831	9,897	10,065	10,303
Loans and Leases	6,691	10,134	10,118	10,011	9,978	10,039	10,205	10,443
Allowance for Loan and Lease Losses	95	156	160	150	147	142	140	140
Loans Held for Sale	1.62	2.84	5.97	2.98	9.48	5.98	11	16
Premises and Equipment, Net	82	117	117	116	111	110	109	108
Goodwill	287	728	733	732	732	732	732	732
Intangible Assets	19	117	110	102	89	83	77	66
Other Assets	503	10,742	763	775	747	741	726	752
Total Liabilities & Shareholders' Equity	10,345	15,255	15,042	14,823	14,830	14,953	15,168	15,732
Total Liabilities	9,057	13,204	12,988	12,775	12,712	12,822	12,975	13,503
Interest Bearing Deposits	8,765	-	12,283	12,108	12,016	12,116	12,244	12,575
Short-Term Debt	94	268	290	276	327	262	210	201
Long-Term Debt	72	491	266	216	216	287	352	572
Other Long-Term Liabilities	126	136	149	174	153	157	169	155
Total Equity & Noncontrolling Interests	1,288	2,051	2,054	2,048	2,118	2,130	2,194	2,230
Total Preferred & Common Equity	1,288	2,051	2,054	2,048	2,118	2,130	2,194	2,230
Total Common Equity	1,288	2,051	2,054	2,048	2,118	2,130	2,194	2,230
Common Stock	6.15	1,812	1,818	1,822	1,820	1,824	1,830	1,837
Retained Earnings	-	421	437	453	478	493	508	543
Treasury Stock	-	-13	-14	-14	-17	-19	-19	-19
Accumulated Other Comprehensive Income / (Loss)	-	-169	-187	-212	-164	-168	-125	-131

This table displays calculated financial ratios and metrics derived from Seacoast Banking Corporation of Florida's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	41.91%	24.85%	32.35%	11.40%	14.84%	7.98%	6.92%	24.66%	31.26%	-9.16%
EBITDA Growth	167.61%	35.84%	56.53%	8.03%	45.63%	-23.18%	50.12%	-7.30%	-10.46%	28.69%
EBIT Growth	248.32%	23.62%	79.63%	10.52%	46.93%	-21.79%	57.82%	-12.98%	-2.81%	16.08%
NOPAT Growth	288.71%	31.89%	46.79%	56.95%	46.77%	-21.24%	59.98%	-14.39%	-2.32%	16.30%
Net Income Growth	288.71%	31.89%	46.79%	56.95%	46.77%	-21.24%	59.98%	-14.39%	-2.32%	16.30%
EPS Growth	214.29%	18.18%	26.92%	39.39%	37.68%	-24.21%	51.39%	-23.85%	-25.90%	15.45%
Operating Cash Flow Growth	34.46%	110.13%	-21.12%	165.00%	-9.15%	-48.49%	154.85%	26.71%	-23.10%	19.45%
Free Cash Flow Firm Growth	79.85%	-2,488.39%	96.85%	-1,304.11%	161.96%	25.81%	-127.15%	-594.34%	-28.90%	98.59%
Invested Capital Growth	10.81%	137.60%	5.55%	28.82%	-4.68%	-9.36%	13.82%	33.94%	31.01%	4.86%
Revenue Q/Q Growth	3.89%	6.01%	13.28%	-0.82%	-15.41%	25.41%	2.14%	12.02%	-1.60%	0.92%
EBITDA Q/Q Growth	75.76%	50.09%	21.63%	-12.86%	-41.93%	901.58%	2.64%	-7.99%	6.28%	15.76%
EBIT Q/Q Growth	50.12%	16.66%	28.08%	-12.52%	-45.15%	546.02%	4.29%	-8.57%	4.74%	3.86%
NOPAT Q/Q Growth	51.78%	19.35%	5.61%	4.53%	12.81%	2.87%	5.95%	-10.43%	5.71%	3.90%
Net Income Q/Q Growth	51.78%	19.35%	5.61%	4.53%	12.81%	2.87%	5.95%	-10.43%	5.71%	3.90%
EPS Q/Q Growth	53.49%	20.00%	0.00%	1.47%	12.43%	1.41%	3.81%	-14.87%	0.82%	3.65%
Operating Cash Flow Q/Q Growth	34.46%	-13.78%	-28.12%	51.91%	-1.93%	-0.11%	5.05%	-0.67%	-11.00%	9.17%
Free Cash Flow Firm Q/Q Growth	79.28%	-96.87%	90.34%	-611.93%	8,546.83%	432.43%	-3.72%	-404.35%	47.35%	92.55%
Invested Capital Q/Q Growth	0.69%	38.75%	12.66%	43.66%	26.32%	2.10%	2.47%	38.55%	3.86%	0.42%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	29.39%	31.98%	37.82%	36.68%	46.51%	33.09%	46.46%	34.55%	23.57%	33.39%
EBIT Margin	25.10%	24.86%	33.74%	33.47%	42.82%	31.01%	45.78%	31.96%	23.66%	30.24%
Profit (Net Income) Margin	15.58%	16.46%	18.26%	25.72%	32.87%	23.98%	35.88%	24.64%	18.34%	23.47%
Tax Burden Percent	62.08%	66.23%	54.12%	76.86%	76.77%	77.31%	78.37%	77.10%	77.49%	77.63%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	37.92%	33.77%	45.88%	23.14%	23.23%	22.69%	21.63%	22.90%	22.51%	22.37%
Return on Invested Capital (ROIC)	4.92%	3.65%	3.71%	4.95%	6.61%	5.60%	8.81%	6.05%	4.47%	4.48%
ROIC Less NNEP Spread (ROIC-NNEP)	4.92%	3.65%	3.71%	4.95%	6.61%	5.60%	8.81%	6.05%	4.47%	4.48%
Return on Net Nonoperating Assets (RNNOA)	1.73%	3.75%	3.91%	3.71%	4.06%	1.75%	1.39%	1.24%	1.13%	1.16%
Return on Equity (ROE)	6.65%	7.40%	7.62%	8.66%	10.68%	7.35%	10.19%	7.30%	5.60%	5.64%
Cash Return on Invested Capital (CROIC)	-5.34%	-77.86%	-1.69%	-20.23%	11.40%	15.42%	-4.12%	-22.96%	-22.38%	-0.27%
Operating Return on Assets (OROA)	1.08%	1.07%	1.51%	1.39%	1.86%	1.30%	1.76%	1.27%	1.00%	1.05%
Return on Assets (ROA)	0.67%	0.71%	0.82%	1.07%	1.43%	1.01%	1.38%	0.98%	0.78%	0.81%
Return on Common Equity (ROCE)	6.65%	7.40%	7.62%	8.66%	10.68%	7.35%	10.19%	7.30%	5.60%	5.64%
Return on Equity Simple (ROE_SIMPLE)	6.26%	6.71%	6.22%	7.78%	10.02%	6.88%	9.49%	6.62%	4.94%	5.54%
Net Operating Profit after Tax (NOPAT)	22	29	43	67	99	78	124	107	104	121
NOPAT Margin	15.58%	16.46%	18.26%	25.72%	32.87%	23.98%	35.88%	24.64%	18.34%	23.47%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	0.00%	0.00%	0.00%	0.00%	37.82%	40.84%	40.75%	44.57%	49.25%	47.98%
Operating Expenses to Revenue	73.04%	73.78%	63.86%	62.05%	53.52%	57.21%	56.94%	61.99%	69.73%	66.61%
Earnings before Interest and Taxes (EBIT)	36	44	79	88	129	101	159	138	134	156
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	42	57	89	96	140	107	161	149	134	172
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.35	1.78	1.47	1.32	1.48	1.33	1.48	1.12	1.12	1.08
Price to Tangible Book Value (P/TBV)	1.49	2.18	1.94	1.80	1.92	1.69	1.85	1.72	1.84	1.71
Price to Revenue (P/Rev)	3.35	4.38	4.33	4.35	4.85	4.64	5.58	4.18	4.15	4.56
Price to Earnings (P/E)	21.52	26.60	23.69	16.93	14.76	19.34	15.55	16.98	22.64	19.44
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.18%	2.18%	2.57%	2.62%
Earnings Yield	4.65%	3.76%	4.22%	5.91%	6.78%	5.17%	6.43%	5.89%	4.42%	5.14%
Enterprise Value to Invested Capital (EV/IC)	0.97	1.21	1.17	1.10	1.24	0.98	0.92	1.00	0.92	0.89
Enterprise Value to Revenue (EV/Rev)	3.24	7.65	5.93	6.42	6.00	3.98	4.01	4.65	4.29	4.77
Enterprise Value to EBITDA (EV/EBITDA)	11.02	23.91	15.67	17.51	12.89	12.02	8.63	13.46	18.20	14.27
Enterprise Value to EBIT (EV/EBIT)	12.90	30.77	17.57	19.19	14.00	12.83	8.76	14.55	18.13	15.76
Enterprise Value to NOPAT (EV/NOPAT)	20.79	46.45	32.46	24.97	18.24	16.59	11.17	18.87	23.39	20.30
Enterprise Value to Operating Cash Flow (EV/OCF)	15.60	21.88	28.45	12.96	15.30	21.28	8.99	10.26	16.16	13.65
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	10.58	6.02	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.34	1.58	0.72	0.77	0.48	0.17	0.15	0.25	0.25	0.27
Long-Term Debt to Equity	0.34	1.11	0.41	0.52	0.39	0.06	0.05	0.15	0.07	0.16
Financial Leverage	0.35	1.03	1.06	0.75	0.61	0.31	0.16	0.21	0.25	0.26
Leverage Ratio	9.95	10.41	9.32	8.08	7.49	7.30	7.38	7.48	7.19	6.93
Compound Leverage Factor	9.95	10.41	9.32	8.08	7.49	7.30	7.38	7.48	7.19	6.93
Debt to Total Capital	25.34%	61.29%	41.91%	43.49%	32.39%	14.45%	12.85%	20.18%	20.12%	21.11%
Short-Term Debt to Total Capital	0.00%	18.15%	18.20%	14.01%	5.91%	9.05%	8.08%	8.54%	14.19%	8.39%
Long-Term Debt to Total Capital	25.34%	43.14%	23.71%	29.48%	26.48%	5.40%	4.76%	11.64%	5.92%	12.72%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	74.66%	38.71%	58.09%	56.51%	67.61%	85.55%	87.15%	79.82%	79.88%	78.89%
Debt to EBITDA	2.87	12.15	5.60	6.93	3.38	1.78	1.20	2.72	3.97	3.39
Net Debt to EBITDA	-0.39	10.22	4.23	5.64	2.46	-1.99	-3.38	1.35	0.58	0.61
Long-Term Debt to EBITDA	2.87	8.55	3.17	4.70	2.76	0.67	0.44	1.57	1.17	2.05
Debt to NOPAT	5.42	23.61	11.61	9.89	4.78	2.46	1.55	3.82	5.10	4.83
Net Debt to NOPAT	-0.73	19.85	8.76	8.04	3.48	-2.75	-4.38	1.89	0.75	0.86
Long-Term Debt to NOPAT	5.42	16.62	6.57	6.70	3.91	0.92	0.58	2.20	1.50	2.91
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-24	-622	-20	-275	170	214	-58	-404	-521	-7.33
Operating Cash Flow to CapEx	324.60%	1,024.23%	856.55%	3,224.88%	4,666.86%	3,821.80%	3,572.27%	1,548.90%	1,463.26%	4,459.64%
Free Cash Flow to Firm to Interest Expense	-3.47	-73.49	-1.28	-9.20	3.69	8.82	-7.08	-28.18	-2.59	-0.03
Operating Cash Flow to Interest Expense	4.26	7.32	3.20	4.34	2.55	2.50	18.81	13.67	0.75	0.61
Operating Cash Flow Less CapEx to Interest Expense	2.95	6.61	2.82	4.20	2.49	2.43	18.28	12.78	0.70	0.60
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.03
Fixed Asset Turnover	2.85	3.13	3.74	3.79	4.36	4.58	4.70	4.57	4.93	4.67
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	473	1,125	1,187	1,529	1,458	1,321	1,504	2,014	2,639	2,767
Invested Capital Turnover	0.32	0.22	0.20	0.19	0.20	0.23	0.25	0.25	0.24	0.19
Increase / (Decrease) in Invested Capital	46	651	62	342	-72	-136	183	510	625	128
Enterprise Value (EV)	460	1,356	1,391	1,680	1,801	1,290	1,390	2,010	2,433	2,456
Market Capitalization	476	777	1,016	1,139	1,457	1,504	1,935	1,809	2,356	2,352
Book Value per Share	$10.29	$11.45	$15.85	$18.28	$19.15	$20.49	$22.46	$26.15	$24.76	$25.55
Tangible Book Value per Share	$9.31	$9.37	$12.02	$13.40	$14.77	$16.18	$17.89	$17.11	$15.03	$16.14
Total Capital	473	1,125	1,187	1,529	1,458	1,321	1,504	2,014	2,639	2,767
Total Debt	120	689	498	665	472	191	193	407	531	584
Total Long-Term Debt	120	485	282	451	386	71	72	235	156	352
Net Debt	-16	580	376	541	344	-214	-545	201	78	104
Capital Expenditures (CapEx)	9.09	6.05	5.71	4.02	2.52	1.59	4.33	13	10	4.03
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	120	689	498	665	472	191	193	407	531	584
Total Depreciation and Amortization (D&A)	6.09	13	9.59	8.39	11	6.73	2.37	11	-0.53	16
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.66	$0.79	$1.01	$1.40	$1.92	$1.45	$2.20	$1.67	$1.24	$1.43
Adjusted Weighted Average Basic Shares Outstanding	33.50M	36.87M	42.61M	47.97M	51.45M	53.50M	56.59M	63.71M	83.80M	84.37M
Adjusted Diluted Earnings per Share	$0.66	$0.78	$0.99	$1.38	$1.90	$1.44	$2.18	$1.66	$1.23	$1.42
Adjusted Weighted Average Diluted Shares Outstanding	33.74M	37.51M	43.35M	48.75M	52.03M	53.93M	57.09M	64.26M	84.33M	85.04M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$1.92	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	34.63M	40.73M	46.92M	51.32M	51.52M	55.25M	61.20M	84.53M	84.89M	85.61M
Normalized Net Operating Profit after Tax (NOPAT)	22	29	43	67	99	80	124	105	105	121
Normalized NOPAT Margin	15.58%	16.46%	18.26%	25.72%	32.87%	24.52%	35.82%	24.37%	18.47%	23.54%
Pre Tax Income Margin	25.10%	24.86%	33.74%	33.47%	42.82%	31.01%	45.78%	31.96%	23.66%	30.24%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	5.15	5.21	5.18	2.93	2.78	4.14	19.31	9.64	0.67	0.53
NOPAT to Interest Expense	3.19	3.45	2.80	2.25	2.14	3.20	15.14	7.43	0.52	0.41
EBIT Less CapEx to Interest Expense	3.84	4.49	4.80	2.79	2.73	4.08	18.79	8.76	0.62	0.52
NOPAT Less CapEx to Interest Expense	1.88	2.73	2.43	2.12	2.08	3.14	14.61	6.55	0.47	0.40
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	18.09%	38.72%	58.24%	50.96%
Augmented Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	18.09%	38.72%	68.69%	51.68%

This table displays calculated financial ratios and metrics derived from Seacoast Banking Corporation of Florida's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	15.53%	50.95%	67.14%	50.63%	31.34%	-6.70%	-18.24%	-14.76%	-4.93%	3.68%	12.04%
EBITDA Growth	44.37%	-28.18%	-57.98%	-10.01%	-6.33%	23.91%	219.27%	5.15%	-32.69%	57.21%	23.62%
EBIT Growth	27.87%	-28.99%	-45.03%	-0.49%	5.57%	19.16%	132.97%	-5.51%	-3.06%	15.34%	20.73%
NOPAT Growth	27.43%	-34.14%	-42.55%	-4.60%	7.45%	23.47%	119.89%	-3.22%	-2.43%	15.37%	20.99%
Net Income Growth	27.43%	-34.14%	-42.55%	-4.60%	7.45%	23.47%	119.89%	-3.22%	-2.43%	15.37%	20.99%
EPS Growth	17.50%	-46.77%	-54.55%	-30.19%	-21.28%	3.03%	106.67%	-2.70%	-2.70%	14.71%	19.35%
Operating Cash Flow Growth	112.68%	-2.63%	-76.08%	2.79%	27.81%	-38.38%	89.13%	26.28%	-14.81%	50.56%	25.67%
Free Cash Flow Firm Growth	128.58%	-232.64%	-549.11%	-912.71%	-2,553.38%	-22.33%	113.98%	96.37%	82.55%	84.16%	-277.94%
Invested Capital Growth	-0.94%	33.94%	81.38%	72.64%	74.78%	31.01%	-5.29%	2.64%	8.46%	4.86%	12.85%
Revenue Q/Q Growth	5.86%	31.59%	11.82%	-3.29%	-7.70%	-6.52%	-2.01%	0.82%	2.95%	1.94%	5.89%
EBITDA Q/Q Growth	-7.34%	-22.18%	-64.37%	250.28%	-3.55%	2.94%	-8.19%	15.36%	-38.26%	140.42%	-27.81%
EBIT Q/Q Growth	-7.90%	-17.29%	-54.21%	185.31%	-2.29%	-6.64%	-10.49%	15.71%	0.26%	11.07%	-6.30%
NOPAT Q/Q Growth	-10.74%	-18.16%	-50.57%	164.22%	0.53%	-5.96%	-11.97%	16.30%	1.35%	11.20%	-7.69%
Net Income Q/Q Growth	-10.74%	-18.16%	-50.57%	164.22%	0.53%	-5.96%	-11.97%	16.30%	1.35%	11.20%	-7.69%
EPS Q/Q Growth	-11.32%	-29.79%	-54.55%	146.67%	0.00%	-8.11%	-8.82%	16.13%	0.00%	8.33%	-5.13%
Operating Cash Flow Q/Q Growth	11.90%	-1.07%	-73.10%	245.19%	39.14%	-52.31%	-17.44%	130.48%	-6.14%	-15.70%	-31.09%
Free Cash Flow Firm Q/Q Growth	140.84%	-1,230.49%	-156.70%	14.56%	1.05%	43.63%	129.33%	-122.18%	-375.76%	48.84%	-229.59%
Invested Capital Q/Q Growth	-3.84%	38.55%	39.47%	-7.10%	-2.65%	3.86%	0.83%	0.68%	2.86%	0.42%	8.52%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	40.67%	24.06%	7.66%	27.76%	29.01%	31.95%	29.93%	34.25%	20.54%	48.44%	33.02%
EBIT Margin	36.74%	23.09%	9.46%	27.90%	29.53%	29.50%	26.94%	30.92%	30.11%	32.81%	29.03%
Profit (Net Income) Margin	28.01%	17.42%	7.70%	21.04%	22.91%	23.05%	20.71%	23.89%	23.52%	25.65%	22.36%
Tax Burden Percent	76.23%	75.43%	81.43%	75.41%	77.58%	78.16%	76.86%	77.25%	78.09%	78.18%	77.02%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	23.77%	24.57%	18.57%	24.59%	22.42%	21.84%	23.14%	22.75%	21.91%	21.82%	22.98%
Return on Invested Capital (ROIC)	7.40%	4.28%	1.75%	5.55%	6.61%	5.62%	4.08%	4.67%	4.53%	4.89%	4.19%
ROIC Less NNEP Spread (ROIC-NNEP)	7.40%	4.28%	1.75%	5.55%	6.61%	5.62%	4.08%	4.67%	4.53%	4.89%	4.19%
Return on Net Nonoperating Assets (RNNOA)	0.98%	0.88%	0.49%	1.21%	1.31%	1.42%	1.28%	1.23%	1.13%	1.27%	1.27%
Return on Equity (ROE)	8.38%	5.16%	2.23%	6.76%	7.92%	7.04%	5.36%	5.91%	5.66%	6.16%	5.46%
Cash Return on Invested Capital (CROIC)	9.08%	-22.96%	-53.36%	-48.62%	-49.50%	-22.38%	9.75%	1.82%	-3.72%	-0.27%	-7.61%
Operating Return on Assets (OROA)	1.40%	0.91%	0.36%	1.17%	1.35%	1.25%	0.97%	1.07%	1.03%	1.14%	1.01%
Return on Assets (ROA)	1.07%	0.69%	0.29%	0.89%	1.05%	0.98%	0.74%	0.82%	0.80%	0.89%	0.78%
Return on Common Equity (ROCE)	8.38%	5.16%	2.23%	6.76%	7.92%	7.04%	5.36%	5.91%	5.66%	6.16%	5.46%
Return on Equity Simple (ROE_SIMPLE)	9.23%	0.00%	4.77%	4.69%	4.80%	0.00%	5.58%	5.50%	5.31%	0.00%	5.67%
Net Operating Profit after Tax (NOPAT)	29	24	12	31	31	30	26	30	31	34	31
NOPAT Margin	28.01%	17.42%	7.70%	21.04%	22.91%	23.05%	20.71%	23.89%	23.52%	25.65%	22.36%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	40.03%	49.72%	48.63%	52.75%	48.75%	46.49%	51.86%	47.03%	46.48%	46.70%	44.76%
Operating Expenses to Revenue	58.78%	66.62%	69.97%	72.62%	68.50%	67.39%	71.97%	65.19%	65.07%	64.40%	64.39%
Earnings before Interest and Taxes (EBIT)	38	32	15	41	40	38	34	39	39	44	41
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	42	33	12	41	40	41	38	43	27	64	46
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.37	1.12	0.94	0.88	0.89	1.12	1.01	0.94	1.04	1.08	0.99
Price to Tangible Book Value (P/TBV)	1.80	1.72	1.60	1.50	1.50	1.84	1.66	1.53	1.64	1.71	1.54
Price to Revenue (P/Rev)	4.57	4.18	3.91	3.34	3.15	4.15	3.98	3.88	4.45	4.56	4.15
Price to Earnings (P/E)	14.84	16.98	19.74	18.86	18.45	22.64	18.14	17.13	19.52	19.44	17.42
Dividend Yield	2.09%	2.18%	2.98%	3.22%	3.28%	2.57%	2.86%	3.05%	2.70%	2.62%	2.80%
Earnings Yield	6.74%	5.89%	5.07%	5.30%	5.42%	4.42%	5.51%	5.84%	5.12%	5.14%	5.74%
Enterprise Value to Invested Capital (EV/IC)	1.17	1.00	0.67	0.63	0.63	0.92	0.75	0.67	0.80	0.89	0.82
Enterprise Value to Revenue (EV/Rev)	4.43	4.65	3.83	3.02	2.79	4.29	3.70	3.48	4.29	4.77	4.66
Enterprise Value to EBITDA (EV/EBITDA)	10.52	13.46	14.23	12.76	12.78	18.20	12.52	11.13	14.75	14.27	13.67
Enterprise Value to EBIT (EV/EBIT)	11.30	14.55	15.00	13.01	12.55	18.13	13.01	11.89	14.62	15.76	15.19
Enterprise Value to NOPAT (EV/NOPAT)	14.36	18.87	19.37	17.04	16.34	23.39	16.90	15.35	18.83	20.30	19.57
Enterprise Value to Operating Cash Flow (EV/OCF)	8.66	10.26	12.27	10.54	9.50	16.16	12.31	10.34	13.31	13.65	13.28
Enterprise Value to Free Cash Flow (EV/FCFF)	12.87	0.00	0.00	0.00	0.00	0.00	7.49	37.29	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.13	0.25	0.37	0.27	0.24	0.25	0.26	0.26	0.26	0.27	0.35
Long-Term Debt to Equity	0.06	0.15	0.24	0.13	0.11	0.07	0.10	0.13	0.16	0.16	0.26
Financial Leverage	0.13	0.21	0.28	0.22	0.20	0.25	0.31	0.26	0.25	0.26	0.30
Leverage Ratio	7.85	7.48	7.68	7.64	7.54	7.19	7.22	7.17	7.07	6.93	7.03
Compound Leverage Factor	7.85	7.48	7.68	7.64	7.54	7.19	7.22	7.17	7.07	6.93	7.03
Debt to Total Capital	11.42%	20.18%	26.99%	21.31%	19.39%	20.12%	20.41%	20.48%	20.39%	21.11%	25.75%
Short-Term Debt to Total Capital	6.48%	8.54%	9.53%	11.12%	10.88%	14.19%	12.28%	9.78%	7.63%	8.39%	6.70%
Long-Term Debt to Total Capital	4.94%	11.64%	17.47%	10.19%	8.51%	5.92%	8.14%	10.70%	12.77%	12.72%	19.05%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	88.58%	79.82%	73.01%	78.69%	80.61%	79.88%	79.59%	79.52%	79.61%	78.89%	74.25%
Debt to EBITDA	1.02	2.72	5.70	4.33	3.91	3.97	3.40	3.39	3.78	3.39	4.27
Net Debt to EBITDA	-0.35	1.35	-0.27	-1.36	-1.65	0.58	-0.92	-1.29	-0.54	0.61	1.50
Long-Term Debt to EBITDA	0.44	1.57	3.69	2.07	1.72	1.17	1.36	1.77	2.37	2.05	3.16
Debt to NOPAT	1.40	3.82	7.76	5.78	5.01	5.10	4.60	4.68	4.83	4.83	6.12
Net Debt to NOPAT	-0.48	1.89	-0.37	-1.82	-2.11	0.75	-1.25	-1.78	-0.69	0.86	2.14
Long-Term Debt to NOPAT	0.60	2.20	5.02	2.76	2.20	1.50	1.83	2.45	3.02	2.91	4.52
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	43	-486	-1,249	-1,067	-1,056	-595	175	-39	-184	-94	-311
Operating Cash Flow to CapEx	529.74%	5,732.39%	224.45%	1,493.53%	7,476.73%	4,758.44%	3,237.80%	2,611.99%	5,648.04%	29,995.33%	964.72%
Free Cash Flow to Firm to Interest Expense	13.79	-65.74	-46.53	-22.55	-17.44	-9.01	2.47	-0.51	-2.38	-1.34	-4.72
Operating Cash Flow to Interest Expense	15.71	6.55	0.49	0.95	1.03	0.45	0.35	0.75	0.69	0.64	0.47
Operating Cash Flow Less CapEx to Interest Expense	12.75	6.44	0.27	0.89	1.02	0.44	0.34	0.73	0.68	0.64	0.42
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.05	0.04	0.04	0.03	0.03	0.03	0.03
Fixed Asset Turnover	5.05	4.57	5.17	5.67	5.84	4.93	4.75	4.56	4.55	4.67	4.84
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,454	2,014	2,809	2,610	2,541	2,639	2,661	2,679	2,756	2,767	3,003
Invested Capital Turnover	0.26	0.25	0.23	0.26	0.29	0.24	0.20	0.20	0.19	0.19	0.19
Increase / (Decrease) in Invested Capital	-14	510	1,261	1,098	1,087	625	-149	69	215	128	342
Enterprise Value (EV)	1,708	2,010	1,894	1,640	1,608	2,433	1,997	1,799	2,193	2,456	2,474
Market Capitalization	1,765	1,809	1,930	1,815	1,816	2,356	2,145	2,008	2,273	2,352	2,203
Book Value per Share	$20.97	$26.15	$24.27	$24.28	$24.07	$24.76	$24.94	$25.08	$25.72	$25.55	$26.04
Tangible Book Value per Share	$16.00	$17.11	$14.26	$14.32	$14.27	$15.03	$15.26	$15.48	$16.23	$16.14	$16.71
Total Capital	1,454	2,014	2,809	2,610	2,541	2,639	2,661	2,679	2,756	2,767	3,003
Total Debt	166	407	758	556	493	531	543	549	562	584	773
Total Long-Term Debt	72	235	491	266	216	156	216	287	352	352	572
Net Debt	-57	201	-36	-175	-208	78	-147	-209	-80	104	271
Capital Expenditures (CapEx)	9.25	0.85	5.81	3.02	0.84	0.63	0.76	2.18	0.95	0.15	3.21
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	166	407	758	556	493	531	543	549	562	584	773
Total Depreciation and Amortization (D&A)	4.11	1.32	-2.75	-0.20	-0.72	3.14	3.75	4.21	-12	21	5.62
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.48	$0.32	$0.15	$0.37	$0.37	$0.35	$0.31	$0.36	$0.36	$0.40	$0.37
Adjusted Weighted Average Basic Shares Outstanding	61.44M	63.71M	80.15M	85.02M	85.14M	83.80M	84.91M	84.34M	84.43M	84.37M	84.65M
Adjusted Diluted Earnings per Share	$0.47	$0.33	$0.15	$0.37	$0.37	$0.34	$0.31	$0.36	$0.36	$0.39	$0.37
Adjusted Weighted Average Diluted Shares Outstanding	61.96M	64.26M	80.72M	85.54M	85.67M	84.33M	85.27M	84.82M	85.07M	85.04M	85.39M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	61.48M	84.53M	84.61M	85.09M	85.15M	84.89M	84.94M	85.30M	85.44M	85.61M	85.99M
Normalized Net Operating Profit after Tax (NOPAT)	29	24	12	31	32	30	26	30	31	34	32
Normalized NOPAT Margin	28.01%	17.19%	7.80%	21.01%	23.07%	23.40%	20.69%	23.82%	23.81%	25.70%	23.07%
Pre Tax Income Margin	36.74%	23.09%	9.46%	27.90%	29.53%	29.50%	26.94%	30.92%	30.11%	32.81%	29.03%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	12.29	4.29	0.54	0.88	0.67	0.57	0.48	0.52	0.51	0.62	0.62
NOPAT to Interest Expense	9.37	3.23	0.44	0.66	0.52	0.45	0.37	0.40	0.40	0.49	0.48
EBIT Less CapEx to Interest Expense	9.33	4.17	0.32	0.81	0.66	0.56	0.47	0.49	0.49	0.62	0.57
NOPAT Less CapEx to Interest Expense	6.40	3.12	0.22	0.60	0.51	0.44	0.36	0.37	0.38	0.48	0.43
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	30.83%	38.72%	48.77%	54.64%	58.39%	58.24%	52.00%	52.46%	52.84%	50.96%	48.87%
Augmented Payout Ratio	30.83%	38.72%	48.77%	54.69%	58.44%	68.69%	52.00%	62.45%	62.89%	51.68%	48.87%

Key Financial Trends

Seacoast Banking Corporation of Florida (NASDAQ:SBCF) has shown steady financial performance and growth over the last four years through Q1 2025. Here's a summary of key trends and metrics identified from the income statements, cash flow statements, and balance sheets:

Net Interest Income increased from $88.3M in Q3 2022 to $118.5M in Q1 2025, reflecting improved interest income management on loans and deposits.
Total Revenue grew from $104.4M in Q3 2022 to $140.7M in Q1 2025, driven by both interest and non-interest income growth.
Non-interest income rose significantly, with Q1 2025 reporting $22.2M compared to lower values in earlier years, supported by service charges and investment banking income.
Net Income attributable to common shareholders increased to $31.5M in Q1 2025 from $29.2M in Q3 2022, showing bottom-line growth.
Consistent quarterly dividend payments around $0.17-$0.18 per share indicate a stable shareholder return policy.
Total assets expanded from $10.3B in Q3 2022 to $15.7B in Q1 2025, emphasizing balance sheet growth and capacity expansion.
Allowance for loan and lease losses remains steady around $140M-$160M, reflecting conservative credit risk management amidst growing loan volumes.
Cash and due from banks and interest-bearing deposits fluctuate quarterly but generally trend upward, showing liquidity maintenance.
Provision for credit losses showed volatility across quarters, spiking to $31.6M in Q1 2023 and then normalizing around $9.3M in Q1 2025, indicating variability in credit risk expenses.
Non-interest expenses increased over time from roughly $61.4M in Q3 2022 to $90.6M in Q1 2025, driven by higher occupancy, employee benefits, and operating expenses, which may pressure margins if not offset by revenue gains.

Overall, Seacoast Banking Corporation of Florida exhibits healthy growth in key income lines, asset base expansion, and stable profitability. Investors should monitor ongoing expense growth and provision for credit losses variability as potential risks, while the solid dividend and revenue trends support its investment appeal.

08/24/25 10:53 PMAI Generated. May Contain Errors.

Frequently Asked Questions About Seacoast Banking Corporation of Florida's Financials

When does Seacoast Banking Corporation of Florida's fiscal year end?

According to the most recent income statement we have on file, Seacoast Banking Corporation of Florida's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Seacoast Banking Corporation of Florida's net income changed over the last 9 years?

Seacoast Banking Corporation of Florida's net income appears to be on an upward trend, with a most recent value of $120.99 million in 2024, rising from $22.14 million in 2015. The previous period was $104.03 million in 2023. See Seacoast Banking Corporation of Florida's forecast for analyst expectations on what’s next for the company.

How has Seacoast Banking Corporation of Florida's revenue changed over the last 9 years?

Over the last 9 years, Seacoast Banking Corporation of Florida's total revenue changed from $142.08 million in 2015 to $515.40 million in 2024, a change of 262.7%.

How much debt does Seacoast Banking Corporation of Florida have?

Seacoast Banking Corporation of Florida's total liabilities were at $12.99 billion at the end of 2024, a 4.2% increase from 2023, and a 308.4% increase since 2015.

How much cash does Seacoast Banking Corporation of Florida have?

In the past 9 years, Seacoast Banking Corporation of Florida's cash and equivalents has ranged from $81.22 million in 2015 to $238.75 million in 2021, and is currently $171.62 million as of their latest financial filing in 2024.

How has Seacoast Banking Corporation of Florida's book value per share changed over the last 9 years?

Over the last 9 years, Seacoast Banking Corporation of Florida's book value per share changed from 10.29 in 2015 to 25.55 in 2024, a change of 148.3%.

Related Companies

This page (NASDAQ:SBCF) was last updated on 8/24/2025 by MarketBeat.com Staff

From Our Partners

Get 30 Days of MarketBeat All Access for Free

Start Your 30-Day Trial

In-depth profiles and analysis for 20,000 public companies.
Real-time analyst ratings, insider transactions, earnings data, and more.
Our daily ratings and market update email newsletter.

Sign In
Create Account

Your Email Address:

Your Password:

Forgot your password?

Your Email Address:

Choose a Password:

By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Seacoast Banking Corporation of Florida (SBCF) Financials

Key Financial Trends

Frequently Asked Questions About Seacoast Banking Corporation of Florida's Financials

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools

About MarketBeat

MarketBeat Products

Popular Tools

Financial Calendars

Terms & Info

Seacoast Banking Corporation of Florida (SBCF) Financials

Annual Income Statements for Seacoast Banking Corporation of Florida

Quarterly Income Statements for Seacoast Banking Corporation of Florida

Annual Cash Flow Statements for Seacoast Banking Corporation of Florida

Quarterly Cash Flow Statements for Seacoast Banking Corporation of Florida

Annual Balance Sheets for Seacoast Banking Corporation of Florida

Quarterly Balance Sheets for Seacoast Banking Corporation of Florida

Annual Metrics And Ratios for Seacoast Banking Corporation of Florida

Quarterly Metrics And Ratios for Seacoast Banking Corporation of Florida

Key Financial Trends

Frequently Asked Questions About Seacoast Banking Corporation of Florida's Financials

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools