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Seacoast Banking Corporation of Florida (SBCF) Financials

Seacoast Banking Corporation of Florida logo
$32.26 +0.56 (+1.77%)
Closing price 04:00 PM Eastern
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$32.26 +0.01 (+0.02%)
As of 05:44 PM Eastern
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Annual Income Statements for Seacoast Banking Corporation of Florida

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 2025
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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 22 29 43 67 99 78 124 107 104 121 143
Consolidated Net Income / (Loss)		 22 29 43 67 99 78 124 107 104 121 145
Net Income / (Loss) Continuing Operations		 22 29 43 67 99 78 124 107 104 121 145
Total Pre-Tax Income 		36 44 79 88 129 101 159 138 134 156 187
Total Revenue		 142 177 235 262 300 324 347 432 683 700 813
Net Interest Income / (Expense)		 109 140 176 212 244 263 276 366 488 432 553
Total Interest Income		 116 148 192 241 290 287 284 380 689 726 836
Loans and Leases Interest Income		 94 119 154 200 251 254 251 316 581 597 657
Investment Securities Interest Income		 21 27 35 39 36 30 30 57 83 100 155
Federal Funds Sold and Securities Borrowed Interest Income		 1.02 1.67 2.42 - - - - 7.62 25 29 25
Total Interest Expense		 6.93 8.47 15 30 46 24 8.22 14 201 294 283
Deposits Interest Expense		 3.31 4.67 8.33 20 38 20 6.39 9.96 52 71 67
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 25
Federal Funds Purchased and Securities Sold Interest Expense		 - - - 1.80 1.43 0.28 0.14 0.99 8.32 9.39 6.21
Total Non-Interest Income		 33 38 58 50 57 62 71 66 79 83 99
Service Charges on Deposit Accounts		 - - - - 12 9.43 9.78 15 4.51 5.20 5.58
Other Service Charges		 - - - 51 17 24 30 19 24 33 32
Net Realized & Unrealized Capital Gains on Investments		 33 38 58 -0.62 3.69 1.92 0.95 -1.10 -2.89 -8.02 -0.52
Investment Banking Income		 - - - - 6.35 7.51 9.63 11 13 15 19
Other Non-Interest Income		 - - - - 18 19 20 23 22 18 21
Provision for Credit Losses		 2.64 2.41 5.65 12 11 38 -9.42 26 38 16 51
Total Non-Interest Expense		 104 131 150 162 161 186 197 268 396 343 415
Salaries and Employee Benefits		 - - - - 74 89 97 130 172 162 187
Net Occupancy & Equipment Expense		 - - - - 36 39 39 56 75 74 79
Marketing Expense		 - - - - 4.16 4.83 4.58 6.29 9.16 11 11
Other Operating Expenses		 104 131 150 162 41 45 51 68 193 257 239
Amortization Expense		 - - - - 5.83 5.86 5.03 9.10 29 24 27
Restructuring Charge		 - - - - - - - - 33 0.00 32
Income Tax Expense		 14 15 36 20 30 23 34 32 30 35 42
Preferred Stock Dividends Declared		 - - - - - - - - 0.00 0.00 2.14
Basic Earnings per Share		 $0.66 $0.79 $1.01 $1.40 $1.92 $1.45 $2.20 $1.67 $1.24 $1.43 $1.59
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 88.28M
Diluted Earnings per Share		 $0.66 $0.78 $0.99 $1.38 $1.90 $1.44 $2.18 $1.66 $1.23 $1.42 $1.57
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 89.11M
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 97.96M
Cash Dividends to Common per Share		 - - - - - - $0.39 $0.64 $0.71 $0.72 $0.73

Quarterly Income Statements for Seacoast Banking Corporation of Florida

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 31 30 26 30 31 34 31 43 36 32 30
Consolidated Net Income / (Loss)		 31 30 26 30 31 34 31 43 36 34 32
Net Income / (Loss) Continuing Operations		 31 30 26 30 31 34 31 43 36 34 32
Total Pre-Tax Income 		40 38 34 39 39 44 41 55 47 43 41
Total Revenue		 137 128 126 127 130 133 186 151 157 364 214
Net Interest Income / (Expense)		 119 111 105 104 107 116 119 127 133 175 176
Total Interest Income		 180 177 176 180 184 186 184 193 203 256 251
Loans and Leases Interest Income		 150 148 147 147 151 152 151 157 162 187 186
Investment Securities Interest Income		 21 21 22 24 26 27 29 33 36 57 60
Federal Funds Sold and Securities Borrowed Interest Income		 8.48 - 6.18 8.33 7.14 - 4.20 3.76 4.78 12 4.88
Total Interest Expense		 61 66 71 75 77 70 66 66 69 81 74
Deposits Interest Expense		 55 61 65 69 71 64 15 56 59 -106 18
Total Non-Interest Income		 18 17 20 22 24 17 22 25 24 29 -13
Service Charges on Deposit Accounts		 5.83 5.89 6.25 6.70 6.81 6.29 1.62 6.83 7.68 -16 1.79
Other Service Charges		 4.72 7.15 6.33 7.23 8.35 12 6.66 8.18 6.52 10 7.75
Net Realized & Unrealized Capital Gains on Investments		 0.23 -3.62 0.23 -0.04 0.19 -10 0.20 0.04 -0.84 0.08 -40
Investment Banking Income		 3.14 3.26 3.54 3.77 3.84 4.02 4.25 4.20 4.58 5.54 5.78
Other Non-Interest Income		 3.88 4.65 4.15 4.54 4.49 4.49 4.28 5.28 5.88 5.17 4.68
Provision for Credit Losses		 2.69 3.99 1.37 4.92 6.27 3.70 9.25 4.38 8.37 29 0.76
Total Non-Interest Expense		 94 86 90 83 85 86 91 92 102 131 122
Salaries and Employee Benefits		 46 38 40 39 41 42 51 44 46 54 63
Net Occupancy & Equipment Expense		 19 18 22 17 17 18 18 18 19 24 24
Marketing Expense		 1.88 3.00 2.66 3.27 2.73 2.13 2.75 2.96 2.51 3.15 3.47
Other Operating Expenses		 19 19 19 17 18 18 58 19 18 182 63
Amortization Expense		 7.46 6.89 6.29 6.00 6.00 5.59 5.31 5.13 6.01 10 10
Restructuring Charge		 - - 0.00 0.00 0.00 - 1.05 2.42 11 18 8.54
Income Tax Expense		 9.08 8.26 7.83 8.91 8.60 9.51 9.39 13 10 9.19 9.03
Preferred Stock Dividends Declared		 - - - - - - 0.00 - - - 2.14
Basic Earnings per Share		 $0.37 $0.35 $0.31 $0.36 $0.36 $0.40 $0.37 $0.50 $0.42 $0.30 $0.30
Weighted Average Basic Shares Outstanding		 85.14M 83.80M 84.91M 84.34M 84.43M 84.37M 84.65M 84.90M 86.62M 88.28M 96.84M
Diluted Earnings per Share		 $0.37 $0.34 $0.31 $0.36 $0.36 $0.39 $0.37 $0.50 $0.42 $0.28 $0.29
Weighted Average Diluted Shares Outstanding		 85.67M 84.33M 85.27M 84.82M 85.07M 85.04M 85.39M 85.48M 87.43M 89.11M 97.84M
Weighted Average Basic & Diluted Shares Outstanding		 85.15M 84.89M 84.94M 85.30M 85.44M 85.61M 85.99M 87.85M 97.83M 97.96M 97.25M
Cash Dividends to Common per Share		 $0.18 - $0.18 $0.18 $0.18 - $0.18 $0.18 $0.18 - $0.19

Annual Cash Flow Statements for Seacoast Banking Corporation of Florida

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 2025
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 12/31/2025
Net Change in Cash & Equivalents		 36 -26 -0.14 6.45 8.58 280 334 -536 245 29 -88
Net Cash From Operating Activities		 30 62 49 130 118 61 155 196 151 180 188
Net Cash From Continuing Operating Activities		 30 62 49 130 118 61 155 196 151 180 188
Net Income / (Loss) Continuing Operations		 22 29 43 67 99 78 124 107 104 121 145
Consolidated Net Income / (Loss)		 22 29 43 67 99 78 124 107 104 121 145
Provision For Loan Losses		 2.64 2.41 5.65 12 11 38 -9.42 26 38 16 51
Depreciation Expense		 3.77 5.08 5.61 6.35 6.42 6.02 5.48 6.12 8.25 8.61 9.74
Amortization Expense		 2.32 7.56 3.98 2.04 4.66 0.71 -3.11 5.09 -8.77 7.64 22
Non-Cash Adjustments to Reconcile Net Income		 -208 -179 -18 23 6.75 -45 51 29 27 30 29
Changes in Operating Assets and Liabilities, net		 207 196 8.89 19 -9.82 -17 -14 23 -18 -3.95 -69
Net Cash From Investing Activities		 -171 -512 -246 -175 -321 -343 -413 -365 527 -607 -707
Net Cash From Continuing Investing Activities		 -171 -512 -246 -175 -321 -343 -413 -365 527 -607 -707
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 -9.17
Purchase of Investment Securities		 -416 -1,047 -966 -542 -655 -859 -1,847 -1,048 -194 -1,063 -2,369
Divestitures		 33 236 24 22 - 72 98 282 142 0.00 170
Sale and/or Maturity of Investments		 221 306 703 349 446 527 775 928 479 704 2,484
Other Investing Activities, net		 0.00 0.00 - - -110 -82 566 -513 111 -244 -983
Net Cash From Financing Activities		 177 423 197 51 212 561 592 -367 -433 456 431
Net Cash From Continuing Financing Activities		 177 423 197 51 212 561 592 -367 -433 456 431
Net Change in Deposits		 240 27 333 -40 408 844 640 -384 -324 465 -142
Issuance of Debt		 - 415 0.00 92 65 35 0.00 75 110 355 710
Repayment of Debt		 -80 -50 -204 0.00 -130 -350 -33 -70 -355 -160 -120
Repurchase of Common Equity		 - - - - - - 0.00 0.00 -11 -0.88 0.00
Payment of Dividends		 0.00 0.00 0.00 0.00 0.00 0.00 -23 -41 -61 -62 -68
Other Financing Activities, Net		 17 31 12 -0.79 -130 32 6.98 54 208 -142 51
Cash Interest Paid		 6.64 7.86 15 28 46 24 9.98 14 191 287 278
Cash Income Taxes Paid		 0.58 0.70 0.40 13 16 28 31 30 0.08 1.61 2.12

Quarterly Cash Flow Statements for Seacoast Banking Corporation of Florida

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -32 -249 236 67 -112 -160 24 -168 -26 83 420
Net Cash From Operating Activities		 63 30 25 57 53 45 31 72 30 55 72
Net Cash From Continuing Operating Activities		 63 30 25 57 54 45 31 72 30 55 72
Net Income / (Loss) Continuing Operations		 31 30 26 30 31 34 31 43 36 34 32
Consolidated Net Income / (Loss)		 31 30 26 30 31 34 31 43 36 34 32
Provision For Loan Losses		 2.69 3.99 1.37 4.92 6.27 3.70 9.25 4.38 8.37 29 0.76
Depreciation Expense		 2.02 2.16 2.11 2.15 2.12 2.23 2.21 2.22 2.29 3.02 2.89
Amortization Expense		 -2.74 0.99 1.64 2.06 -15 19 3.41 0.38 1.37 17 1.33
Non-Cash Adjustments to Reconcile Net Income		 13 18 1.55 9.26 -0.05 20 4.74 13 7.32 3.57 46
Changes in Operating Assets and Liabilities, net		 16 -24 -8.00 8.23 29 -34 -20 9.17 -26 -33 -11
Net Cash From Investing Activities		 159 39 -26 -78 -292 -211 -513 -381 46 141 68
Net Cash From Continuing Investing Activities		 159 39 -26 -78 -292 -211 -513 -381 46 141 68
Purchase of Property, Leasehold Improvements and Equipment		 -0.84 -0.63 -0.76 -2.18 -0.95 -0.15 -3.21 -1.42 -2.51 -2.03 -2.30
Purchase of Investment Securities		 -12 -72 -269 -128 -278 -387 -506 -334 -387 -1,142 -436
Sale and/or Maturity of Investments		 66 161 157 128 157 262 157 117 455 1,755 516
Other Investing Activities, net		 106 -49 87 -75 -170 -86 -161 -162 -205 -454 -9.56
Net Cash From Financing Activities		 -254 -318 237 88 126 5.23 506 141 -103 -113 280
Net Cash From Continuing Financing Activities		 -254 -318 237 88 126 5.23 506 141 -103 -113 280
Net Change in Deposits		 -175 -331 239 100 127 -1.16 332 -77 -112 -285 382
Issuance of Debt		 - - 110 180 65 - 220 90 50 160 160
Repayment of Debt		 -50 -60 -50 -110 - - 0.00 160 -75 -15 -220
Repurchase of Common Equity		 - -11 - - - - 0.00 - - - -10
Payment of Dividends		 -15 -15 -15 -15 -15 -15 -15 -16 -16 -21 -21
Other Financing Activities, Net		 -13 99 -47 -66 -51 22 -31 -17 50 48 -11
Cash Interest Paid		 57 66 70 74 75 68 68 65 73 72 78
Cash Income Taxes Paid		 -14 2.00 0.00 5.89 5.00 7.61 0.00 5.38 5.00 -8.26 0.06

Annual Balance Sheets for Seacoast Banking Corporation of Florida

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 2025
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 12/31/2025
Total Assets		 3,535 4,681 5,810 6,748 7,109 8,342 9,681 12,146 14,580 15,176 20,842
Cash and Due from Banks		 81 83 104 92 90 87 239 121 168 172 181
Interest Bearing Deposits at Other Banks		 55 27 5.47 24 35 317 499 81 280 305 207
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 14
Trading Account Securities		 994 1,323 1,366 1,236 1,208 1,583 2,315 2,619 2,516 2,879 5,751
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 12,449
Loans and Leases		 2,156 2,880 3,817 4,825 - 5,735 5,925 8,145 10,063 10,300 12,628
Allowance for Loan and Lease Losses		 19 23 27 32 35 93 83 114 149 - 179
Loans Held for Sale		 24 15 24 - 20 69 - 3.15 4.39 - 16
Premises and Equipment, Net		 55 59 67 71 67 75 72 117 113 108 160
Goodwill		 25 65 148 205 205 221 252 480 732 732 1,035
Intangible Assets		 8.59 15 19 26 20 17 15 75 96 72 196
Other Assets		 155 239 274 293 5,495 330 6,290 615 751 606 833
Total Liabilities & Shareholders' Equity		 3,535 4,681 5,810 6,748 7,109 8,342 9,681 12,146 14,580 15,176 20,842
Total Liabilities		 3,181 4,246 5,120 5,883 6,123 7,212 8,371 10,538 12,472 12,993 17,787
Interest Bearing Deposits		 1,990 2,375 3,192 3,608 3,994 4,643 4,992 5,911 8,232 8,890 16,256
Short-Term Debt		 - 204 216 214 86 120 122 172 375 232 389
Long-Term Debt		 120 485 282 451 386 71 72 235 156 352 948
Other Long-Term Liabilities		 45 33 30 41 66 88 110 150 164 167 193
Redeemable Noncontrolling Interest		 - - - - - - - - - 0.00 343
Total Equity & Noncontrolling Interests		 353 435 690 864 986 1,130 1,311 1,608 2,108 2,183 2,713
Total Preferred & Common Equity		 353 435 690 864 986 1,130 1,311 1,608 2,108 2,183 2,713
Total Common Equity		 353 435 690 864 986 1,130 1,311 1,608 2,108 2,183 2,713
Common Stock		 403 458 666 784 791 862 970 1,385 1,817 1,834 2,207
Retained Earnings		 -43 -14 30 97 196 257 359 424 467 527 604
Treasury Stock		 -0.07 -1.24 -2.36 -3.38 -6.03 -8.29 -11 -13 -17 -19 -21
Accumulated Other Comprehensive Income / (Loss)		 -6.21 -7.51 -4.22 -13 4.47 20 -6.99 -188 -160 -158 -77

Quarterly Balance Sheets for Seacoast Banking Corporation of Florida

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 Q2 2025 Q3 2025 Q1 2026
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 6/30/2025 9/30/2025 3/31/2026
Total Assets		 10,345 15,255 15,042 14,823 14,830 14,953 15,168 15,732 15,945 16,677 21,145
Cash and Due from Banks		 176 181 164 182 138 169 183 191 182 174 201
Interest Bearing Deposits at Other Banks		 42 611 564 514 545 581 454 309 151 132 607
Time Deposits Placed and Other Short-Term Investments		 4.48 3.24 2.99 4.36 7.86 7.86 5.21 1.49 1.49 31 2.49
Trading Account Securities		 2,635 2,754 2,624 2,533 2,619 2,625 2,806 3,253 3,479 3,811 5,645
Loans and Leases, Net of Allowance		 6,596 9,979 9,958 9,862 9,831 9,897 10,065 10,303 10,467 10,817 12,465
Loans and Leases		 6,691 10,134 10,118 10,011 9,978 10,039 10,205 10,443 10,609 10,964 12,641
Allowance for Loan and Lease Losses		 95 156 160 150 147 142 140 140 142 147 176
Loans Held for Sale		 1.62 2.84 5.97 2.98 9.48 5.98 11 16 8.61 11 18
Premises and Equipment, Net		 82 117 117 116 111 110 109 108 107 115 159
Goodwill		 287 728 733 732 732 732 732 732 732 755 1,035
Intangible Assets		 19 117 110 102 89 83 77 66 61 76 185
Other Assets		 503 10,742 763 775 747 741 726 752 755 755 826
Total Liabilities & Shareholders' Equity		 10,345 15,255 15,042 14,823 14,830 14,953 15,168 15,732 15,945 16,677 21,145
Total Liabilities		 9,057 13,204 12,988 12,775 12,712 12,822 12,975 13,503 13,673 14,299 18,084
Interest Bearing Deposits		 8,765 - 12,283 12,108 12,016 12,116 12,244 12,575 12,498 13,090 16,638
Short-Term Debt		 94 268 290 276 327 262 210 201 186 236 377
Long-Term Debt		 72 491 266 216 216 287 352 572 822 797 888
Other Long-Term Liabilities		 126 136 149 174 153 157 169 155 167 175 181
Redeemable Noncontrolling Interest		 - - - - - - - - - - 343
Total Equity & Noncontrolling Interests		 1,288 2,051 2,054 2,048 2,118 2,130 2,194 2,230 2,272 2,378 2,718
Total Preferred & Common Equity		 1,288 2,051 2,054 2,048 2,118 2,130 2,194 2,230 2,272 2,378 2,718
Total Common Equity		 1,288 2,051 2,054 2,048 2,118 2,130 2,194 2,230 2,272 2,378 2,718
Common Stock		 6.15 1,812 1,818 1,822 1,820 1,824 1,830 1,837 1,841 1,900 2,213
Retained Earnings		 - 421 437 453 478 493 508 543 570 590 615
Treasury Stock		 - -13 -14 -14 -17 -19 -19 -19 -21 -21 -31
Accumulated Other Comprehensive Income / (Loss)		 - -169 -187 -212 -164 -168 -125 -131 -118 -91 -79

Annual Metrics And Ratios for Seacoast Banking Corporation of Florida

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 2025
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 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 97,828,149.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 97,828,149.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 1.48
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 41.91% 24.85% 32.35% 11.40% 14.84% 7.98% 6.92% 24.66% 31.26% -9.16% 16.14%
EBITDA Growth		 167.61% 35.84% 56.53% 8.03% 45.63% -23.18% 50.12% -7.30% -10.46% 28.69% 6.28%
EBIT Growth		 248.32% 23.62% 79.63% 10.52% 46.93% -21.79% 57.82% -12.98% -2.81% 16.08% 1.90%
NOPAT Growth		 288.71% 31.89% 46.79% 56.95% 46.77% -21.24% 59.98% -14.39% -2.32% 16.30% 19.75%
Net Income Growth		 288.71% 31.89% 46.79% 56.95% 46.77% -21.24% 59.98% -14.39% -2.32% 16.30% 19.75%
EPS Growth		 214.29% 18.18% 26.92% 39.39% 37.68% -24.21% 51.39% -23.85% -25.90% 15.45% 10.56%
Operating Cash Flow Growth		 34.46% 110.13% -21.12% 165.00% -9.15% -48.49% 154.85% 26.71% -23.10% 19.45% 4.54%
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% -20,088.09%
Invested Capital Growth		 10.81% 137.60% 5.55% 28.82% -4.68% -9.36% 13.82% 33.94% 31.01% 4.86% 58.73%
Revenue Q/Q Growth		 3.89% 6.01% 13.28% -0.82% -15.41% 25.41% 2.14% 12.02% -1.60% 0.92% 39.68%
EBITDA Q/Q Growth		 75.76% 50.09% 21.63% -12.86% -41.93% 901.58% 2.64% -7.99% 6.28% 15.76% 88.48%
EBIT Q/Q Growth		 50.12% 16.66% 28.08% -12.52% -45.15% 546.02% 4.29% -8.57% 4.74% 3.86% 86.00%
NOPAT Q/Q Growth		 51.78% 19.35% 5.61% 4.53% 12.81% 2.87% 5.95% -10.43% 5.71% 3.90% 0.12%
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% 0.12%
EPS Q/Q Growth		 53.49% 20.00% 0.00% 1.47% 12.43% 1.41% 3.81% -14.87% 0.82% 3.65% -6.55%
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% 5.33%
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% -189.53%
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% 28.74%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 29.39% 31.98% 37.82% 36.68% 46.51% 33.09% 46.46% 34.55% 23.57% 33.39% 46.64%
EBIT Margin		 25.10% 24.86% 33.74% 33.47% 42.82% 31.01% 45.78% 31.96% 23.66% 30.24% 42.69%
Profit (Net Income) Margin		 15.58% 16.46% 18.26% 25.72% 32.87% 23.98% 35.88% 24.64% 18.34% 23.47% 17.81%
Tax Burden Percent		 62.08% 66.23% 54.12% 76.86% 76.77% 77.31% 78.37% 77.10% 77.49% 77.63% 77.68%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 53.72%
Effective Tax Rate		 37.92% 33.77% 45.88% 23.14% 23.23% 22.69% 21.63% 22.90% 22.51% 22.37% 22.32%
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% 4.05%
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% 4.05%
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% 1.48%
Return on Equity (ROE)		 6.65% 7.40% 7.62% 8.66% 10.68% 7.35% 10.19% 7.30% 5.60% 5.64% 5.53%
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% -41.35%
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% 1.93%
Return on Assets (ROA)		 0.67% 0.71% 0.82% 1.07% 1.43% 1.01% 1.38% 0.98% 0.78% 0.81% 0.80%
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% 5.17%
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% 5.34%
Net Operating Profit after Tax (NOPAT)		 22 29 43 67 99 78 124 107 104 121 145
NOPAT Margin		 15.58% 16.46% 18.26% 25.72% 32.87% 23.98% 35.88% 24.64% 18.34% 23.47% 17.81%
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		 0.00% 0.00% 0.00% 0.00% 37.82% 40.84% 40.75% 44.57% 49.25% 47.98% 34.08%
Operating Expenses to Revenue		 73.04% 73.78% 63.86% 62.05% 53.52% 57.21% 56.94% 61.99% 69.73% 66.61% 51.01%
Earnings before Interest and Taxes (EBIT)		 36 44 79 88 129 101 159 138 134 156 347
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 42 57 89 96 140 107 161 149 134 172 379
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 1.13
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 2.07
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 3.78
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 21.53
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.18% 2.18% 2.57% 2.62% 2.32%
Earnings Yield		 4.65% 3.76% 4.22% 5.91% 6.78% 5.17% 6.43% 5.89% 4.42% 5.14% 4.64%
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 0.99
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 5.35
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 11.47
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 12.53
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 30.03
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 23.13
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 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 0.44
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 0.31
Financial Leverage		 0.35 1.03 1.06 0.75 0.61 0.31 0.16 0.21 0.25 0.26 0.37
Leverage Ratio		 9.95 10.41 9.32 8.08 7.49 7.30 7.38 7.48 7.19 6.93 6.88
Compound Leverage Factor		 9.95 10.41 9.32 8.08 7.49 7.30 7.38 7.48 7.19 6.93 3.69
Debt to Total Capital		 25.34% 61.29% 41.91% 43.49% 32.39% 14.45% 12.85% 20.18% 20.12% 21.11% 30.43%
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% 8.86%
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% 21.58%
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% 7.81%
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% 61.76%
Debt to EBITDA		 2.87 12.15 5.60 6.93 3.38 1.78 1.20 2.72 3.97 3.39 3.52
Net Debt to EBITDA		 -0.39 10.22 4.23 5.64 2.46 -1.99 -3.38 1.35 0.58 0.61 2.46
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 2.50
Debt to NOPAT		 5.42 23.61 11.61 9.89 4.78 2.46 1.55 3.82 5.10 4.83 9.23
Net Debt to NOPAT		 -0.73 19.85 8.76 8.04 3.48 -2.75 -4.38 1.89 0.75 0.86 6.45
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 6.54
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 6.55%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -24 -622 -20 -275 170 214 -58 -404 -521 -7.33 -1,480
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% 2,049.93%
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 -5.23
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 0.66
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 0.63
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.05
Fixed Asset Turnover		 2.85 3.13 3.74 3.79 4.36 4.58 4.70 4.57 4.93 4.67 6.08
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 473 1,125 1,187 1,529 1,458 1,321 1,504 2,014 2,639 2,767 4,393
Invested Capital Turnover		 0.32 0.22 0.20 0.19 0.20 0.23 0.25 0.25 0.24 0.19 0.23
Increase / (Decrease) in Invested Capital		 46 651 62 342 -72 -136 183 510 625 128 1,625
Enterprise Value (EV)		 460 1,356 1,391 1,680 1,801 1,290 1,390 2,010 2,433 2,456 4,351
Market Capitalization		 476 777 1,016 1,139 1,457 1,504 1,935 1,809 2,356 2,352 3,074
Book Value per Share		 $10.29 $11.45 $15.85 $18.28 $19.15 $20.49 $22.46 $26.15 $24.76 $25.55 $27.73
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 $15.15
Total Capital		 473 1,125 1,187 1,529 1,458 1,321 1,504 2,014 2,639 2,767 4,393
Total Debt		 120 689 498 665 472 191 193 407 531 584 1,337
Total Long-Term Debt		 120 485 282 451 386 71 72 235 156 352 948
Net Debt		 -16 580 376 541 344 -214 -545 201 78 104 934
Capital Expenditures (CapEx)		 9.09 6.05 5.71 4.02 2.52 1.59 4.33 13 10 4.03 9.17
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)		 120 689 498 665 472 191 193 407 531 584 1,337
Total Depreciation and Amortization (D&A)		 6.09 13 9.59 8.39 11 6.73 2.37 11 -0.53 16 32
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 $1.59
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 88.28M
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 $1.57
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 89.11M
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 $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 97.96M
Normalized Net Operating Profit after Tax (NOPAT)		 22 29 43 67 99 80 124 105 105 121 170
Normalized NOPAT Margin		 15.58% 16.46% 18.26% 25.72% 32.87% 24.52% 35.82% 24.37% 18.47% 23.54% 20.91%
Pre Tax Income Margin		 25.10% 24.86% 33.74% 33.47% 42.82% 31.01% 45.78% 31.96% 23.66% 30.24% 22.93%
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 1.23
NOPAT to Interest Expense		 3.19 3.45 2.80 2.25 2.14 3.20 15.14 7.43 0.52 0.41 0.51
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 1.19
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 0.48
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% 46.75%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 18.09% 38.72% 68.69% 51.68% 46.75%

Quarterly Metrics And Ratios for Seacoast Banking Corporation of Florida

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 97,828,149.00 97,958,734.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 97,828,149.00 97,958,734.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.35 0.33
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 31.34% -6.70% -18.24% -14.76% -4.93% 3.68% 12.04% 19.57% 20.67% 14.54% 14.66%
EBITDA Growth		 -6.33% 23.91% 219.27% 5.15% -32.69% 57.21% 23.62% 33.48% 12.93% -2.93% 3.08%
EBIT Growth		 5.57% 19.16% 132.97% -5.51% -3.06% 15.34% 20.73% 41.18% 19.55% -10.65% 4.89%
NOPAT Growth		 7.45% 23.47% 119.89% -3.22% -2.43% 15.37% 20.99% 41.14% 18.97% 0.51% 1.37%
Net Income Growth		 7.45% 23.47% 119.89% -3.22% -2.43% 15.37% 20.99% 41.14% 18.97% 0.51% 1.37%
EPS Growth		 -21.28% 3.03% 106.67% -2.70% -2.70% 14.71% 19.35% 38.89% 16.67% -28.21% -21.62%
Operating Cash Flow Growth		 27.81% -38.38% 89.13% 26.28% -14.81% 50.56% 25.67% 27.20% -43.39% 21.16% 131.52%
Free Cash Flow Firm Growth		 -2,553.38% -22.33% 113.98% 96.37% 82.55% 84.16% -277.94% -1,341.65% -236.36% -1,588.36% -315.72%
Invested Capital Growth		 74.78% 31.01% -5.29% 2.64% 8.46% 4.86% 12.85% 22.43% 23.80% 58.73% 44.06%
Revenue Q/Q Growth		 -7.70% -6.52% -2.01% 0.82% 2.95% 1.94% 5.89% 7.60% 3.90% 131.37% -41.31%
EBITDA Q/Q Growth		 -3.55% 2.94% -8.19% 15.36% -38.26% 140.42% -27.81% 24.56% -12.60% 343.66% -57.72%
EBIT Q/Q Growth		 -2.29% -6.64% -10.49% 15.71% 0.26% 11.07% -6.30% 35.31% -15.10% 334.95% -55.58%
NOPAT Q/Q Growth		 0.53% -5.96% -11.97% 16.30% 1.35% 11.20% -7.69% 35.67% -14.57% -6.05% -6.90%
Net Income Q/Q Growth		 0.53% -5.96% -11.97% 16.30% 1.35% 11.20% -7.69% 35.67% -14.57% -6.05% -6.90%
EPS Q/Q Growth		 0.00% -8.11% -8.82% 16.13% 0.00% 8.33% -5.13% 35.14% -16.00% -33.33% 3.57%
Operating Cash Flow Q/Q Growth		 39.14% -52.31% -17.44% 130.48% -6.14% -15.70% -31.09% 133.27% -58.22% 80.42% 31.68%
Free Cash Flow Firm Q/Q Growth		 1.05% 43.63% 129.33% -122.18% -375.76% 48.84% -229.59% -79.71% -11.00% -156.80% 18.85%
Invested Capital Q/Q Growth		 -2.65% 3.86% 0.83% 0.68% 2.86% 0.42% 8.52% 9.22% 4.02% 28.74% -1.51%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 29.01% 31.95% 29.93% 34.25% 20.54% 48.44% 33.02% 38.23% 32.16% 61.67% 44.42%
EBIT Margin		 29.53% 29.50% 26.94% 30.92% 30.11% 32.81% 29.03% 36.51% 29.84% 56.09% 42.45%
Profit (Net Income) Margin		 22.91% 23.05% 20.71% 23.89% 23.52% 25.65% 22.36% 28.20% 23.19% 9.41% 14.93%
Tax Burden Percent		 77.58% 78.16% 76.86% 77.25% 78.09% 78.18% 77.02% 77.23% 77.71% 78.85% 77.94%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 21.29% 45.14%
Effective Tax Rate		 22.42% 21.84% 23.14% 22.75% 21.91% 21.82% 22.98% 22.77% 22.29% 21.15% 22.06%
Return on Invested Capital (ROIC)		 6.61% 5.62% 4.08% 4.67% 4.53% 4.89% 4.19% 5.26% 4.38% 2.14% 3.43%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.61% 5.62% 4.08% 4.67% 4.53% 4.89% 4.19% 5.26% 4.38% 2.14% 3.43%
Return on Net Nonoperating Assets (RNNOA)		 1.31% 1.42% 1.28% 1.23% 1.13% 1.27% 1.27% 1.86% 1.53% 0.78% 1.32%
Return on Equity (ROE)		 7.92% 7.04% 5.36% 5.91% 5.66% 6.16% 5.46% 7.11% 5.91% 2.92% 4.75%
Cash Return on Invested Capital (CROIC)		 -49.50% -22.38% 9.75% 1.82% -3.72% -0.27% -7.61% -15.50% -16.58% -41.35% -32.14%
Operating Return on Assets (OROA)		 1.35% 1.25% 0.97% 1.07% 1.03% 1.14% 1.01% 1.31% 1.09% 2.53% 1.94%
Return on Assets (ROA)		 1.05% 0.98% 0.74% 0.82% 0.80% 0.89% 0.78% 1.01% 0.85% 0.43% 0.68%
Return on Common Equity (ROCE)		 7.92% 7.04% 5.36% 5.91% 5.66% 6.16% 5.46% 7.11% 5.91% 2.73% 4.44%
Return on Equity Simple (ROE_SIMPLE)		 4.80% 0.00% 5.58% 5.50% 5.31% 0.00% 5.67% 6.11% 6.08% 0.00% 5.35%
Net Operating Profit after Tax (NOPAT)		 31 30 26 30 31 34 31 43 36 34 32
NOPAT Margin		 22.91% 23.05% 20.71% 23.89% 23.52% 25.65% 22.36% 28.20% 23.19% 9.41% 14.93%
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		 48.75% 46.49% 51.86% 47.03% 46.48% 46.70% 44.76% 43.29% 43.24% 22.15% 42.21%
Operating Expenses to Revenue		 68.50% 67.39% 71.97% 65.19% 65.07% 64.40% 64.39% 60.59% 64.84% 35.87% 57.20%
Earnings before Interest and Taxes (EBIT)		 40 38 34 39 39 44 41 55 47 204 91
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 40 41 38 43 27 64 46 58 51 224 95
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.89 1.12 1.01 0.94 1.04 1.08 0.99 1.05 1.12 1.13 1.09
Price to Tangible Book Value (P/TBV)		 1.50 1.84 1.66 1.53 1.64 1.71 1.54 1.61 1.73 2.07 1.98
Price to Revenue (P/Rev)		 3.15 4.15 3.98 3.88 4.45 4.56 4.15 4.28 4.59 3.78 3.53
Price to Earnings (P/E)		 18.45 22.64 18.14 17.13 19.52 19.44 17.42 17.10 18.48 21.53 21.04
Dividend Yield		 3.28% 2.57% 2.86% 3.05% 2.70% 2.62% 2.80% 2.61% 2.37% 2.32% 2.44%
Earnings Yield		 5.42% 4.42% 5.51% 5.84% 5.12% 5.14% 5.74% 5.85% 5.41% 4.64% 4.75%
Enterprise Value to Invested Capital (EV/IC)		 0.63 0.92 0.75 0.67 0.80 0.89 0.82 0.93 0.99 0.99 0.87
Enterprise Value to Revenue (EV/Rev)		 2.79 4.29 3.70 3.48 4.29 4.77 4.66 5.49 5.79 5.35 4.48
Enterprise Value to EBITDA (EV/EBITDA)		 12.78 18.20 12.52 11.13 14.75 14.27 13.67 15.60 16.75 11.47 9.85
Enterprise Value to EBIT (EV/EBIT)		 12.55 18.13 13.01 11.89 14.62 15.76 15.19 17.04 18.06 12.53 10.71
Enterprise Value to NOPAT (EV/NOPAT)		 16.34 23.39 16.90 15.35 18.83 20.30 19.57 21.96 23.29 30.03 25.91
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.50 16.16 12.31 10.34 13.31 13.65 13.28 15.12 18.88 23.13 16.45
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 7.49 37.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.24 0.25 0.26 0.26 0.26 0.27 0.35 0.44 0.43 0.44 0.41
Long-Term Debt to Equity		 0.11 0.07 0.10 0.13 0.16 0.16 0.26 0.36 0.34 0.31 0.29
Financial Leverage		 0.20 0.25 0.31 0.26 0.25 0.26 0.30 0.35 0.35 0.37 0.39
Leverage Ratio		 7.54 7.19 7.22 7.17 7.07 6.93 7.03 7.02 6.97 6.88 6.97
Compound Leverage Factor		 7.54 7.19 7.22 7.17 7.07 6.93 7.03 7.02 6.97 1.46 3.15
Debt to Total Capital		 19.39% 20.12% 20.41% 20.48% 20.39% 21.11% 25.75% 30.74% 30.30% 30.43% 29.25%
Short-Term Debt to Total Capital		 10.88% 14.19% 12.28% 9.78% 7.63% 8.39% 6.70% 5.67% 6.92% 8.86% 8.73%
Long-Term Debt to Total Capital		 8.51% 5.92% 8.14% 10.70% 12.77% 12.72% 19.05% 25.07% 23.37% 21.58% 20.52%
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% 7.81% 7.93%
Common Equity to Total Capital		 80.61% 79.88% 79.59% 79.52% 79.61% 78.89% 74.25% 69.26% 69.70% 61.76% 62.82%
Debt to EBITDA		 3.91 3.97 3.40 3.39 3.78 3.39 4.27 5.16 5.14 3.52 3.31
Net Debt to EBITDA		 -1.65 0.58 -0.92 -1.29 -0.54 0.61 1.50 3.45 3.46 2.46 1.19
Long-Term Debt to EBITDA		 1.72 1.17 1.36 1.77 2.37 2.05 3.16 4.21 3.96 2.50 2.32
Debt to NOPAT		 5.01 5.10 4.60 4.68 4.83 4.83 6.12 7.26 7.14 9.23 8.71
Net Debt to NOPAT		 -2.11 0.75 -1.25 -1.78 -0.69 0.86 2.14 4.86 4.82 6.45 3.13
Long-Term Debt to NOPAT		 2.20 1.50 1.83 2.45 3.02 2.91 4.52 5.92 5.51 6.54 6.11
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 6.55% 6.49%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -1,056 -595 175 -39 -184 -94 -311 -558 -620 -1,591 -1,291
Operating Cash Flow to CapEx		 7,476.73% 4,758.44% 3,237.80% 2,611.99% 5,648.04% 29,995.33% 964.72% 5,082.71% 1,202.83% 2,692.00% 3,122.44%
Free Cash Flow to Firm to Interest Expense		 -17.44 -9.01 2.47 -0.51 -2.38 -1.34 -4.72 -8.40 -8.95 -19.54 -17.39
Operating Cash Flow to Interest Expense		 1.03 0.45 0.35 0.75 0.69 0.64 0.47 1.09 0.44 0.67 0.97
Operating Cash Flow Less CapEx to Interest Expense		 1.02 0.44 0.34 0.73 0.68 0.64 0.42 1.07 0.40 0.64 0.94
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.04 0.04 0.03 0.03 0.03 0.03 0.04 0.04 0.05 0.05
Fixed Asset Turnover		 5.84 4.93 4.75 4.56 4.55 4.67 4.84 5.11 5.19 6.08 6.28
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,541 2,639 2,661 2,679 2,756 2,767 3,003 3,280 3,412 4,393 4,326
Invested Capital Turnover		 0.29 0.24 0.20 0.20 0.19 0.19 0.19 0.19 0.19 0.23 0.23
Increase / (Decrease) in Invested Capital		 1,087 625 -149 69 215 128 342 601 656 1,625 1,323
Enterprise Value (EV)		 1,608 2,433 1,997 1,799 2,193 2,456 2,474 3,049 3,370 4,351 3,765
Market Capitalization		 1,816 2,356 2,145 2,008 2,273 2,352 2,203 2,375 2,673 3,074 2,967
Book Value per Share		 $24.07 $24.76 $24.94 $25.08 $25.72 $25.55 $26.04 $26.42 $27.07 $27.73 $27.74
Tangible Book Value per Share		 $14.27 $15.03 $15.26 $15.48 $16.23 $16.14 $16.71 $17.19 $17.61 $15.15 $15.29
Total Capital		 2,541 2,639 2,661 2,679 2,756 2,767 3,003 3,280 3,412 4,393 4,326
Total Debt		 493 531 543 549 562 584 773 1,008 1,034 1,337 1,265
Total Long-Term Debt		 216 156 216 287 352 352 572 822 797 948 888
Net Debt		 -208 78 -147 -209 -80 104 271 674 697 934 454
Capital Expenditures (CapEx)		 0.84 0.63 0.76 2.18 0.95 0.15 3.21 1.42 2.51 2.03 2.30
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)		 493 531 543 549 562 584 773 1,008 1,034 1,337 1,265
Total Depreciation and Amortization (D&A)		 -0.72 3.14 3.75 4.21 -12 21 5.62 2.60 3.66 20 4.22
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.37 $0.35 $0.31 $0.36 $0.36 $0.40 $0.37 $0.50 $0.42 $0.30 $0.30
Adjusted Weighted Average Basic Shares Outstanding		 85.14M 83.80M 84.91M 84.34M 84.43M 84.37M 84.65M 84.90M 86.62M 88.28M 96.84M
Adjusted Diluted Earnings per Share		 $0.37 $0.34 $0.31 $0.36 $0.36 $0.39 $0.37 $0.50 $0.42 $0.28 $0.29
Adjusted Weighted Average Diluted Shares Outstanding		 85.67M 84.33M 85.27M 84.82M 85.07M 85.04M 85.39M 85.48M 87.43M 89.11M 97.84M
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		 85.15M 84.89M 84.94M 85.30M 85.44M 85.61M 85.99M 87.85M 97.83M 97.96M 97.25M
Normalized Net Operating Profit after Tax (NOPAT)		 32 30 26 30 31 34 32 45 45 49 39
Normalized NOPAT Margin		 23.07% 23.40% 20.69% 23.82% 23.81% 25.70% 23.07% 29.44% 28.35% 13.34% 18.05%
Pre Tax Income Margin		 29.53% 29.50% 26.94% 30.92% 30.11% 32.81% 29.03% 36.51% 29.84% 11.94% 19.16%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.67 0.57 0.48 0.52 0.51 0.62 0.62 0.83 0.68 2.51 1.22
NOPAT to Interest Expense		 0.52 0.45 0.37 0.40 0.40 0.49 0.48 0.64 0.53 0.42 0.43
EBIT Less CapEx to Interest Expense		 0.66 0.56 0.47 0.49 0.49 0.62 0.57 0.81 0.64 2.48 1.19
NOPAT Less CapEx to Interest Expense		 0.51 0.44 0.36 0.37 0.38 0.48 0.43 0.62 0.49 0.40 0.40
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 58.39% 58.24% 52.00% 52.46% 52.84% 50.96% 48.87% 44.54% 43.09% 46.75% 50.32%
Augmented Payout Ratio		 58.44% 68.69% 52.00% 62.45% 62.89% 51.68% 48.87% 44.54% 43.09% 46.75% 57.20%

Financials Breakdown Chart

Key Financial Trends

Seacoast Banking Corporation of Florida (NASDAQ: SBCF) showed improved profitability in Q1 2026 versus the prior quarter, but the broader multi-year picture is more mixed. Revenue and net interest income were solid, while expense control and balance sheet quality remain the key watch items for investors.

  • Q1 2026 net income attributable to common shareholders rose to $29.8 million, up from $32.1 million in Q4 2025 but still strong relative to recent quarters, with diluted EPS of $0.29.
  • Net interest income increased to $176.5 million in Q1 2026 from $174.6 million in Q4 2025, showing continued core banking earnings strength.
  • Total revenue was $213.6 million in Q1 2026, a meaningful improvement from Q1 2025's $186.3 million and well above the weaker 2024 quarters.
  • Operating cash flow remained healthy at $71.8 million in Q1 2026, compared with $54.5 million in Q4 2025, indicating the business continues to generate cash.
  • Total assets grew to $21.1 billion at March 31, 2026, up from $15.7 billion a year earlier, reflecting a larger balance sheet after acquisitions and growth.
  • Loans and leases expanded to $12.64 billion from $10.44 billion at Q1 2025, suggesting continued loan growth.
  • Deposits also increased sharply year over year, with interest-bearing deposits at $16.64 billion versus $12.58 billion in Q1 2025.
  • Quarterly EPS has been relatively stable recently, with SBCF posting roughly $0.28 to $0.30 per share across late 2025 and early 2026.
  • Non-interest income was negative in Q1 2026 because of a large $39.5 million loss on investments, which offset gains from fees and banking income.
  • The balance sheet still carries significant goodwill and intangible assets, which is common after acquisitions but adds some impairment risk if conditions weaken.
  • Non-interest expense rose to $122.2 million in Q1 2026, up from $101.9 million in Q3 2025 and $130.5 million in Q4 2025, keeping pressure on margins.
  • Q1 2026 provision for credit losses increased to $761 thousand from zero-like levels in some earlier periods, suggesting slightly higher caution on credit quality.
  • Restructuring charges remain a recurring drag, with $8.5 million recorded in Q1 2026 after $18.1 million in Q4 2025 and $10.8 million in Q3 2025.
  • Book value pressure remains visible in accumulated other comprehensive income, which was negative $78.6 million in Q1 2026 versus negative $130.7 million in Q1 2025.
  • Deposit movements have been volatile quarter to quarter, with large inflows in Q1 2026, but prior periods showed meaningful outflows, which investors should watch closely.

Longer-term trend: SBCF has meaningfully grown its loan book, deposits, and total assets over the last four years, and earnings have held up reasonably well. However, the company’s profitability has been somewhat noisy due to acquisition-related expenses, restructuring charges, and investment-related volatility. The core franchise appears to be expanding, but investors should keep an eye on expense discipline and whether the recent growth translates into cleaner, more consistent earnings.

Bottom line: SBCF looks like a bank with solid core revenue generation and balance sheet growth, but the stock story is being shaped by integration costs, higher operating expenses, and volatile non-interest items. If management can keep loan growth and deposit growth moving in the right direction while reducing one-time charges, earnings quality could improve.

06/24/26 07:17 PM ETAI Generated. May Contain Errors.

Seacoast Banking Corporation of Florida Financials - Frequently Asked Questions

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 2025 ended on December 31, 2025.

Seacoast Banking Corporation of Florida's net income appears to be on an upward trend, with a most recent value of $144.88 million in 2025, rising from $22.14 million in 2015. The previous period was $120.99 million in 2024. See Seacoast Banking Corporation of Florida's forecast for analyst expectations on what's next for the company.

Over the last 10 years, Seacoast Banking Corporation of Florida's total revenue changed from $142.08 million in 2015 to $813.29 million in 2025, a change of 472.4%.

Seacoast Banking Corporation of Florida's total liabilities were at $17.79 billion at the end of 2025, a 36.9% increase from 2024, and a 459.1% increase since 2015.

In the past 10 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 $181.43 million as of their latest financial filing in 2025.

Over the last 10 years, Seacoast Banking Corporation of Florida's book value per share changed from 10.29 in 2015 to 27.73 in 2025, a change of 169.5%.


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Financial statements for NASDAQ:SBCF last updated on 5/8/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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