Seacoast Banking Corporation of Florida

SBCF · Nasdaq · Financials · Financials, fiscal 2016 to 2025

SBCF · Last close · November 6, 2026

$33.54

Value Seacoast Banking Corporation of Florida yourself

Seacoast Banking Corporation of Florida's revenue rose 26.6% to $653 million in fiscal 2025. Net income was $145 million, up 19.8%. Its return on equity was 5.9%, up from 5.6% a year earlier. Its efficiency ratio was 63.6%, down from 66.6% a year earlier. The diluted share count rose 4.8%.

Seacoast Banking Corporation of Florida Latest fiscal year ended December 31, 2025 10-K filed February 27, 2026 · 0001628280-26-012787 Updated November 5, 2026

Revenue

$653M

26.6%

Net income

$145M

19.8%

Return on equity

5.9%

0.3 pts

Return on tangible equity

9.8%

0.7 pts

Efficiency ratio

63.6%

3.0 pts

Market cap

$3.3B

Nov 6 close

P/E

20.0x

On $1.68 EPS, 4 qtrs

Return on equity is net income as a share of shareholders' equity; return on tangible equity leaves out goodwill and other intangible assets. The efficiency ratio is operating costs as a share of revenue, so lower means the bank spends less to earn each dollar. Market cap is the last closing share price times the latest diluted share count, so it is approximate. P/E is the last close divided by diluted earnings per share over the last four quarters, or the latest fiscal year where the quarters aren't available; there is none when the company made a loss.

Charts show fiscal years, from the 10-K filings.

Income statement

Revenue and net income

US$ billions, fiscal years; net losses in red. Revenue on the left axis, net income on the right; zero is the same line on both. Revenue is net of interest expense.

Revenue (left axis)Net income (right axis)

Efficiency ratio and net interest income

Percent of revenue. The efficiency ratio is noninterest expense over revenue.

Efficiency ratioNet interest income share

From fiscal 2016 to 2025, earnings per share grew 8.1% a year and net income 19.5% a year, as new shares raised the share count by 138% and diluted each share's earnings.

Diluted earnings per share

US$ per share, fiscal years, restated for any stock splits; loss years in red.

Return on equity

Percent. Net income over average equity; tangible equity excludes goodwill, intangibles and preferred stock.

Return on equityReturn on tangible common equity

Balance sheet

Loans and deposits

US$ billions, at each fiscal year end

Loans, netDeposits

Total assets and shareholders' equity

US$ billions, at each fiscal year end. Assets on the left axis, equity on the right.

Total assets (left axis)Equity (right axis)

Five years at a glance

Fiscal year end	FY21	FY22	FY23	FY24	FY25
Loans, net	5,842	8,031	9,914	10,162	12,449
Deposits	8,068	9,982	11,777	12,242	16,256
Loans to deposits	72.4%	80.5%	84.2%	83.0%	76.6%
Provision for credit losses	−9	26	38	16	51
Provision to average loans	−0.2%	0.4%	0.4%	0.2%	0.5%
Total assets	9,681	12,146	14,580	15,176	20,842
Shareholders' equity	1,311	1,608	2,108	2,183	2,713

US$ millions unless stated, at each fiscal year end.

Cash flow

Stock-based compensation and buybacks

US$ billions, fiscal years. Shares paid to employees (stock-based compensation, a cost that uses no cash) against cash spent buying shares back. Buybacks that only match it leave the share count roughly where it was.

Stock-based compensationShare buybacks

Dividends and buybacks

US$ billions, cash paid in each fiscal year

DividendsShare buybacks

Diluted share count

Weighted-average diluted shares, millions

Projections

Project Seacoast Banking Corporation of Florida's revenue, net income and earnings per share five years ahead in a bull, a base and a bear case with your own figures, and see the share prices your P/E estimates give them. Every projected figure is yours: it is not a forecast of ours.

Open Seacoast Banking Corporation of Florida's projections

Insider trades

Over the 12 months between November 7, 2025 and November 6, 2026, 1 insider bought $155,251 of Seacoast Banking Corporation of Florida shares on the open market, and 8 insiders sold $3.3 million, $1.3 million of it under trading plans set up in advance.

Buys and sells by month

US$ millions, open-market purchases (up) and sales (down) by officers, directors and 10% owners in each month.

BoughtSold

Date	Insider	Trade	Shares	Price	Value	Filing
Sep 16, 2026	Dennis S Hudson IIIDirector	Sold plan	12,000	$34.15	$409,800	Form 4
Aug 27, 2026	Juliette KleffelEVP, Chief Operating Officer	Sold	14,831	$34.31	$508,852	Form 4
Jul 1, 2026	Dennis S Hudson IIIDirector	Sold plan	4,000	$34.00	$136,000	Form 4
Jun 16, 2026	Dennis S Hudson IIIDirector	Sold plan	8,000	$31.41	$251,280	Form 4
May 6, 2026	James C Stallings IIIEVP, Chief Credit Officer	Sold	7,552	$31.16	$235,320	Form 4
May 4, 2026	Charles M ShafferChairman, President & CEO, Director	Sold	10,367	$30.88	$320,133	Form 4
Mar 16, 2026	Dennis S Hudson IIIDirector	Sold plan	8,000	$30.04	$240,320	Form 4
Mar 4, 2026	Dennis S Hudson IIIDirector	Sold plan	8,000	$31.34	$250,720	Form 4
Feb 26, 2026	Joseph M ForlenzaEVP & CRO	Sold	12,635	$32.90	$415,692	Form 4
Feb 23, 2026	Joseph B Shearouse IIIDirector	Bought	700	$32.13	$22,491	Form 4
Feb 12, 2026	Joseph B Shearouse IIIDirector	Bought	4,000	$33.19	$132,760	Form 4
Feb 3, 2026	Maryann GoebelDirector	Sold	3,419	$34.23	$117,032	Form 4

The latest 12 of 15 trades. Open-market purchases and sales by officers, directors and 10% owners, from their Form 4 filings with the SEC: one row per person, day and filing, at the day's average price. Grants, option exercises and shares withheld for tax aren't counted. Insiders buy and sell for many reasons, such as taxes, spreading their savings or a plan set up months earlier, so a trade on its own says little about where a company is heading. For information only, not investment advice. Insider trades at all companies

Compare

Put Seacoast Banking Corporation of Florida side by side with any other company we cover: revenue, growth, margins, cash flow and returns, with ten years of charts.

Similar companies

Company	Year	Revenue growth	Net margin	Return on equity	Return on tangible equity	Efficiency ratio	Compare
Seacoast Banking Corporation of Florida	FY25	26.6%	22.2%	5.9%	9.8%	63.6%
Northwest Bancshares	FY25	25.3%	19.2%	7.2%	9.6%	66.6%	Compare
Park National	FY25	2.9%	27.1%	13.9%	15.8%	48.8%	Compare
First Financial Bankshares	FY25	14.7%	40.1%	14.4%	17.5%	46.5%	Compare
Merchants Bancorp	FY25	1.6%	32.1%	9.7%	7.7%	44.0%	Compare

Each company's latest fiscal year. Fiscal years end in different months, so the periods don't line up exactly.

10 years of figures

Fiscal year	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Income statement
Revenue	177	235	262	300	324	347	432	567	515	653
Revenue growth	24.9%	32.4%	11.4%	14.8%	8.0%	6.9%	24.7%	31.3%	−9.2%	26.6%
Net interest income	140	176	212	244	263	276	366	488	432	554
Noninterest income	38	58	50	57	62	71	66	79	83	99
Noninterest expense	131	150	162	161	186	197	268	396	343	415
Provision for credit losses	2	6	12	11	38	−9	26	38	16	51
Net income	29	43	67	99	78	124	106	104	121	145
Diluted EPS (US$)	0.78	0.99	1.38	1.90	1.44	2.18	1.66	1.23	1.42	1.57
Diluted shares (millions)	38	43	49	52	54	57	64	84	85	89
Payouts
Dividends paid	0	0	0	0	0	0	0	0	0	0
Share buybacks	0	0	0	0	0	0	0	11	1	0
Balance sheet at fiscal year end
Loans, net	2,856	3,790	4,793	5,163	5,643	5,842	8,031	9,914	10,162	12,449
Deposits	3,523	4,593	5,177	5,585	6,933	8,068	9,982	11,777	12,242	16,256
Total assets	4,681	5,810	6,748	7,108	8,342	9,681	12,146	14,580	15,176	20,842
Shareholders' equity	435	690	864	986	1,130	1,311	1,608	2,108	2,183	2,713
Ratios
Return on equity	7.4%	7.6%	8.7%	10.7%	7.3%	10.2%	7.3%	5.6%	5.6%	5.9%
Return on tangible common equity	8.6%	9.8%	11.6%	14.2%	9.4%	12.8%	10.2%	8.9%	9.1%	9.8%
Return on assets	0.7%	0.8%	1.1%	1.4%	1.0%	1.4%	1.0%	0.8%	0.8%	0.8%
Efficiency ratio	73.8%	63.9%	62.0%	53.5%	57.2%	56.9%	62.0%	69.7%	66.6%	63.6%

US$ millions unless stated. Where a later 10-K restated a year, the latest filed figure is shown. Download all figures (CSV, US$ millions)

Source: Seacoast Banking Corporation of Florida's Form 10-K filings, from SEC EDGAR. For information only, not investment advice. The Filing Desk is not affiliated with Seacoast Banking Corporation of Florida.