Seacoast Banking Corp Of Florida
SBCF Nasdaq State Commercial Banks Financials FY2016–FY2025
Revenue
Total sales reported in the income statement.
$653M
26.6%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
63.6%
3.0 pts
Net income
Profit after all expenses, interest and tax.
$145M
19.7%
Return on equity
Net income as a share of average shareholders' equity.
5.9%
0.3 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
—
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
On $1.54 EPS (TTM)
What Seacoast Banking Corp Of Florida does
No business description yet.
- Legal name
- SEACOAST BANKING CORP OF FLORIDA
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Accession · CIK
- 0001628280-26-012787
0000730708
Revenue and margins
Seacoast Banking Corp Of Florida had $653M of revenue in fiscal 2025, up 26.6% on the year before.
FY16
Revenue $177M
FY17
Revenue $235M
FY18
Revenue $262M
FY19
Revenue $300M
FY20
Revenue $324M
FY21
Revenue $347M
FY22
Revenue $432M
FY23
Revenue $567M
FY24
Revenue $515M
FY25
Revenue $653M
Q3 '23
Revenue $137M
Q4 '23
Revenue $128M
Q1 '24
Revenue $126M
Q2 '24
Revenue $127M
Q3 '24
Revenue $130M
Q4 '24
Revenue $133M
Q1 '25
Revenue $141M
Q2 '25
Revenue $151M
Q3 '25
Revenue $157M
Q4 '25
Revenue $203M
Q1 '26
Revenue $164M
Q2 '26
Revenue $208M
FY16
Net interest share 78.7%
Efficiency ratio 73.8%
FY17
Net interest share 75.1%
Efficiency ratio 63.9%
FY18
Net interest share 80.9%
Efficiency ratio 62.0%
FY19
Net interest share 81.1%
Efficiency ratio 53.5%
FY20
Net interest share 81.0%
Efficiency ratio 57.2%
FY21
Net interest share 79.6%
Efficiency ratio 56.9%
FY22
Net interest share 84.7%
Efficiency ratio 62.0%
FY23
Net interest share 86.0%
Efficiency ratio 69.7%
FY24
Net interest share 83.8%
Efficiency ratio 66.6%
FY25
Net interest share 84.8%
Efficiency ratio 63.6%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 87.0%
Efficiency ratio 68.5%
Q4 '23
Net interest share 86.5%
Efficiency ratio 67.4%
Q1 '24
Net interest share 83.7%
Efficiency ratio 72.0%
Q2 '24
Net interest share 82.5%
Efficiency ratio 65.2%
Q3 '24
Net interest share 81.8%
Efficiency ratio 65.1%
Q4 '24
Net interest share 87.2%
Efficiency ratio 64.4%
Q1 '25
Net interest share 84.2%
Efficiency ratio 64.4%
Q2 '25
Net interest share 83.8%
Efficiency ratio 60.6%
Q3 '25
Net interest share 84.9%
Efficiency ratio 64.8%
Q4 '25
Net interest share 85.9%
Efficiency ratio 64.2%
Q1 '26
Net interest share 107.7%
Efficiency ratio 74.6%
Q2 '26
Net interest share 86.7%
Efficiency ratio 59.1%
Net interest share
Efficiency ratio
Net income and earnings per share
From fiscal 2016 to 2025, diluted EPS grew 8.1% a year. Loss periods are shown in red.
FY16
Net income $29.2M
FY17
Net income $42.9M
FY18
Net income $67.3M
FY19
Net income $98.7M
FY20
Net income $77.8M
FY21
Net income $124M
FY22
Net income $107M
FY23
Net income $104M
FY24
Net income $121M
FY25
Net income $145M
Q3 '23
Net income $31.4M
Q4 '23
Net income $29.5M
Q1 '24
Net income $26.0M
Q2 '24
Net income $30.2M
Q3 '24
Net income $30.7M
Q4 '24
Net income $34.1M
Q1 '25
Net income $31.5M
Q2 '25
Net income $42.7M
Q3 '25
Net income $36.5M
Q4 '25
Net income $34.3M
Q1 '26
Net income $31.9M
Q2 '26
Net income $59.5M
FY16
Diluted EPS $0.78
FY17
Diluted EPS $0.99
FY18
Diluted EPS $1.38
FY19
Diluted EPS $1.90
FY20
Diluted EPS $1.44
FY21
Diluted EPS $2.18
FY22
Diluted EPS $1.66
FY23
Diluted EPS $1.23
FY24
Diluted EPS $1.42
FY25
Diluted EPS $1.57
Q3 '23
Diluted EPS $0.37
Q4 '23
Diluted EPS $0.34
Q1 '24
Diluted EPS $0.31
Q2 '24
Diluted EPS $0.36
Q3 '24
Diluted EPS $0.36
Q4 '24
Diluted EPS $0.39
Q1 '25
Diluted EPS $0.37
Q2 '25
Diluted EPS $0.50
Q3 '25
Diluted EPS $0.42
Q4 '25
Diluted EPS $0.28
Q1 '26
Diluted EPS $0.29
Q2 '26
Diluted EPS $0.55
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY16
ROE 6.7%
ROTE 8.2%
Efficiency ratio 73.8%
FY17
ROE 7.6%
ROTE 8.2%
Efficiency ratio 63.9%
FY18
ROE 8.7%
ROTE 10.6%
Efficiency ratio 62.0%
FY19
ROE 10.7%
ROTE 13.0%
Efficiency ratio 53.5%
FY20
ROE 7.4%
ROTE 8.7%
Efficiency ratio 57.2%
FY21
ROE 10.2%
ROTE 11.9%
Efficiency ratio 56.9%
FY22
ROE 7.3%
ROTE 10.1%
Efficiency ratio 62.0%
FY23
ROE 5.6%
ROTE 8.1%
Efficiency ratio 69.7%
FY24
ROE 5.6%
ROTE 8.8%
Efficiency ratio 66.6%
FY25
ROE 5.9%
ROTE 9.5%
Efficiency ratio 63.6%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Seacoast Banking Corp Of Florida returned $0.0M to shareholders in fiscal 2025. The diluted share count rose 4.8%.
FY16
Dividends —
Buybacks —
FY17
Dividends —
Buybacks —
FY18
Dividends —
Buybacks —
FY19
Dividends —
Buybacks —
FY20
Dividends —
Buybacks —
FY21
Dividends —
Buybacks $0.0M
FY22
Dividends —
Buybacks $0.0M
FY23
Dividends —
Buybacks $10.9M
FY24
Dividends —
Buybacks $0.9M
FY25
Dividends —
Buybacks $0.0M
Dividends
Buybacks
Q3 '23
Dividends —
Buybacks $0.0M
Q4 '23
Dividends —
Buybacks $10.8M
Q1 '24
Dividends —
Buybacks —
Q2 '24
Dividends —
Buybacks —
Q3 '24
Dividends —
Buybacks $0.0M
Q4 '24
Dividends —
Buybacks $0.0M
Q1 '25
Dividends —
Buybacks $0.0M
Q2 '25
Dividends —
Buybacks $0.0M
Q3 '25
Dividends —
Buybacks $0.0M
Q4 '25
Dividends —
Buybacks $0.0M
Q1 '26
Dividends —
Buybacks $10.0M
Q2 '26
Dividends —
Buybacks $23.3M
Dividends
Buybacks
FY16
Diluted shares 0.04B
FY17
Diluted shares 0.04B
FY18
Diluted shares 0.05B
FY19
Diluted shares 0.05B
FY20
Diluted shares 0.05B
FY21
Diluted shares 0.06B
FY22
Diluted shares 0.06B
FY23
Diluted shares 0.08B
FY24
Diluted shares 0.09B
FY25
Diluted shares 0.09B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY16
Loans $2.9B
Deposits $3.5B
FY17
Loans $3.8B
Deposits $4.6B
FY18
Loans $4.8B
Deposits $5.2B
FY19
Loans $5.2B
Deposits $5.6B
FY20
Loans $5.6B
Deposits $6.9B
FY21
Loans $5.8B
Deposits $8.1B
FY22
Loans $8.0B
Deposits $10.0B
FY23
Loans $9.9B
Deposits $11.8B
FY24
Loans $10.2B
Deposits $12.2B
FY25
Loans $12.4B
Deposits $16.3B
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $5.8B | $8.0B | $9.9B | $10.2B | $12.4B |
| Deposits | $8.1B | $10.0B | $11.8B | $12.2B | $16.3B |
| Loans / deposits | 72.4% | 80.5% | 84.2% | 83.0% | 76.6% |
| Total assets | $9.7B | $12.1B | $14.6B | $15.2B | $20.8B |
| Shareholders' equity | $1.3B | $1.6B | $2.1B | $2.2B | $2.7B |
| Goodwill | $252M | $480M | $732M | $732M | $1.0B |
| Intangible assets | $14.8M | $75.5M | $95.6M | $71.7M | $196M |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
10 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $177M | $235M | $262M | $300M | $324M | $347M | $432M | $567M | $515M | $653M |
| Net interest income | $140M | $176M | $212M | $244M | $263M | $276M | $366M | $488M | $432M | $553M |
| Noninterest income | $37.8M | $58.5M | $50.0M | $56.7M | $61.6M | $70.7M | $66.1M | $79.2M | $83.4M | $99.2M |
| Noninterest expense | $131M | $150M | $162M | $161M | $186M | $197M | $268M | $396M | $343M | $415M |
| Provision for credit losses | $2.4M | $5.6M | $11.7M | $11.0M | — | — | — | — | — | — |
| Interest expense | $8.5M | $15.3M | $29.9M | $46.2M | $24.3M | $8.2M | $14.3M | $201M | — | — |
| Pretax income | $44.1M | $79.2M | $87.5M | $129M | $101M | $159M | $138M | $134M | $156M | $187M |
| Income tax | $14.9M | $36.3M | $20.3M | $29.9M | $22.8M | $34.3M | $31.6M | $30.2M | $34.9M | $41.6M |
| Net income | $29.2M | $42.9M | $67.3M | $98.7M | $77.8M | $124M | $107M | $104M | $121M | $145M |
| Net income to common | $29.2M | — | — | — | — | — | — | $104M | $121M | $140M |
| Diluted EPS | $0.78 | $0.99 | $1.38 | $1.90 | $1.44 | $2.18 | $1.66 | $1.23 | $1.42 | $1.57 |
| Diluted shares | 0.04B | 0.04B | 0.05B | 0.05B | 0.05B | 0.06B | 0.06B | 0.08B | 0.09B | 0.09B |
| Cash flow | ||||||||||
| Cash from operations | $62.0M | $48.9M | $130M | $118M | $60.7M | $155M | $196M | $151M | $180M | $188M |
| Depreciation and amortization | $5.1M | $5.6M | $6.4M | $6.4M | $6.0M | $5.5M | $6.1M | $8.2M | $8.6M | $9.7M |
| Stock-based compensation | $4.2M | $5.3M | $7.8M | $7.2M | $7.3M | $8.7M | $11.2M | $13.4M | $13.7M | $15.7M |
| Share buybacks | — | — | — | — | — | $0.0M | $0.0M | $10.9M | $0.9M | $0.0M |
| Dividends and buybacks | — | — | — | — | — | $0.0M | $0.0M | $10.9M | $0.9M | $0.0M |
| Balance sheet | ||||||||||
| Cash and short-term investments | $110M | $110M | $116M | $125M | $404M | $738M | $202M | $447M | $477M | $389M |
| Total debt | — | — | — | — | — | — | $84.5M | $106M | $107M | $113M |
| Loans, net | $2.9B | $3.8B | $4.8B | $5.2B | $5.6B | $5.8B | $8.0B | $9.9B | $10.2B | $12.4B |
| Deposits | $3.5B | $4.6B | $5.2B | $5.6B | $6.9B | $8.1B | $10.0B | $11.8B | $12.2B | $16.3B |
| Property and equipment, net | $58.7M | $66.9M | $71.0M | $66.6M | $75.1M | $72.4M | $117M | $113M | $108M | $160M |
| Goodwill | $64.6M | $148M | $205M | $205M | $221M | $252M | $480M | $732M | $732M | $1.0B |
| Intangible assets | $14.6M | $19.1M | $26.0M | $20.1M | $16.7M | $14.8M | $75.5M | $95.6M | $71.7M | $196M |
| Total assets | $4.7B | $5.8B | $6.7B | $7.1B | $8.3B | $9.7B | $12.1B | $14.6B | $15.2B | $20.8B |
| Total liabilities | $4.2B | $5.1B | $5.9B | $6.1B | $7.2B | $8.4B | $10.5B | $12.5B | $13.0B | $17.8B |
| Shareholders' equity | $435M | $690M | $864M | $986M | $1.1B | $1.3B | $1.6B | $2.1B | $2.2B | $2.7B |
| Margins | ||||||||||
| Net margin | 16.5% | 18.3% | 25.7% | 32.9% | 24.0% | 35.9% | 24.6% | 18.3% | 23.5% | 22.2% |
| Net interest share of revenue | 78.7% | 75.1% | 80.9% | 81.1% | 81.0% | 79.6% | 84.7% | 86.0% | 83.8% | 84.8% |
| Efficiency ratio | 73.8% | 63.9% | 62.0% | 53.5% | 57.2% | 56.9% | 62.0% | 69.7% | 66.6% | 63.6% |
| Returns | ||||||||||
| Return on equity | 6.7% | 7.6% | 8.7% | 10.7% | 7.4% | 10.2% | 7.3% | 5.6% | 5.6% | 5.9% |
| Return on assets | 0.6% | 0.8% | 1.1% | 1.4% | 1.0% | 1.4% | 1.0% | 0.8% | 0.8% | 0.8% |
| Return on tangible equity | 8.2% | 8.2% | 10.6% | 13.0% | 8.7% | 11.9% | 10.1% | 8.1% | 8.8% | 9.5% |
| Growth | ||||||||||
| Revenue growth | — | 32.3% | 11.4% | 14.8% | 8.0% | 6.9% | 24.7% | 31.3% | −9.2% | 26.6% |
| Net income growth | — | 46.8% | 56.9% | 46.8% | −21.2% | 60.0% | −14.4% | −2.3% | 16.3% | 19.7% |
| EPS growth | — | 26.9% | 39.4% | 37.7% | −24.2% | 51.4% | −23.9% | −25.9% | 15.4% | 10.6% |
| Share count change | — | 15.6% | 12.5% | 6.7% | 3.7% | 5.9% | 12.6% | 31.2% | 0.8% | 4.8% |
| Financial health | ||||||||||
| Debt / equity | — | — | — | — | — | — | 0.1x | 0.1x | 0.0x | 0.0x |
| Loans / deposits | 81.1% | 82.5% | 92.6% | 92.5% | 81.4% | 72.4% | 80.5% | 84.2% | 83.0% | 76.6% |
| Provision / loans | 0.1% | 0.1% | 0.2% | 0.2% | — | — | — | — | — | — |
| Capital allocation | ||||||||||
| Stock comp / revenue | 2.3% | 2.2% | 3.0% | 2.4% | 2.3% | 2.5% | 2.6% | 2.4% | 2.7% | 2.4% |
| Quality scores | ||||||||||
| Piotroski F-score | — | — | — | — | — | — | — | 4.0 | 5.0 | 4.0 |
| Accruals ratio | −0.7% | −0.1% | −1.0% | −0.3% | 0.2% | −0.3% | −0.8% | −0.3% | −0.4% | −0.2% |
Source: SEC EDGAR XBRL filings (CIK 0000730708). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.