Seacoast Banking Corp of Florida (SBCF) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Seacoast Banking Corp of Florida reported revenue of $652.6M, up 26.6% from $515.4M the year before. Net income was $144.9M (a 22.2% net margin), or $1.57 per diluted share. Net interest income was $553.5M, and the efficiency ratio (noninterest expense / revenue) was 63.6%. Operating activities generated $188.1M of cash. At fiscal year end, Seacoast Banking Corp of Florida held $20.84B in total assets against $17.79B in total liabilities, including $388.5M of cash and equivalents.
Open the full interactive Seacoast Banking Corp of Florida financials → Quarterly statements, key ratios, valuation history and price charts.
Seacoast Banking Corp of Florida Key Stats
| Share Price | $31.62 |
|---|---|
| Market Cap | $3.08B |
| P/E Ratio | 20.1 |
| Revenue YoY Growth | +26.6% |
| 52-Week Range | $28.13 – $35.93 |
| Shares Outstanding | 96.4 million (basic, 2026 Q2) |
Seacoast Banking Corp of Florida Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $262.7M | $276.0M | $366.2M | $488.2M | $432.0M | $553.5M |
| Provision for Credit Losses | $37.8M | -$9.4M | $26.2M | $37.5M | $16.3M | $51.3M |
| Noninterest Income | $61.6M | $70.7M | $66.1M | $79.2M | $83.4M | $99.2M |
| Noninterest Expense | $185.6M | $197.4M | $267.9M | $395.6M | $343.3M | $414.9M |
| Revenue | $324.3M | $346.8M | $432.3M | $567.4M | $515.4M | $652.6M |
| Pre-Tax Income | $100.6M | $158.7M | $138.1M | $134.3M | $155.8M | $186.5M |
| Income Tax | $22.8M | $34.3M | $31.6M | $30.2M | $34.9M | $41.6M |
| Net Income | $77.8M | $124.4M | $106.5M | $104.0M | $121.0M | $144.9M |
| Diluted EPS | $1.44 | $2.18 | $1.66 | $1.23 | $1.42 | $1.57 |
Seacoast Banking Corp of Florida Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $157.3M | $203.3M | $163.9M | $208.2M |
| Net Income | $36.5M | $34.3M | $31.9M | $59.5M |
| Diluted EPS | $0.42 | $0.38 | $0.29 | $0.55 |
Seacoast Banking Corp of Florida Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $404.1M | $737.7M | $201.9M | $447.2M | $476.6M | $388.5M |
| Loans (Net) | — | $5.84B | $8.03B | $9.91B | $10.16B | $12.45B |
| Total Assets | $8.34B | $9.68B | $12.15B | $14.58B | $15.18B | $20.84B |
| Deposits | $6.93B | $8.07B | $9.98B | $11.78B | $12.24B | $16.26B |
| Total Long-Term Debt | $71.4M | $71.6M | $84.5M | $106.3M | $107.0M | $112.8M |
| Total Liabilities | $7.21B | $8.37B | $10.54B | $12.47B | $12.99B | $17.79B |
| Shareholders' Equity | $1.13B | $1.31B | $1.61B | $2.11B | $2.18B | $2.71B |
Seacoast Banking Corp of Florida Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $60.7M | $154.6M | $195.9M | $150.6M | $179.9M | $188.1M |
| Cash From Investing | -$342.5M | -$412.5M | -$364.9M | $527.4M | -$606.9M | -$706.8M |
| Cash From Financing | $561.4M | $591.6M | -$366.8M | -$432.8M | $456.4M | $430.6M |
Figures from Seacoast Banking Corp of Florida's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Seacoast Banking Corp of Florida financials page for every line item.
Seacoast Banking Corp of Florida Company Profile
| Ticker | SBCF |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Stuart, Florida |
| Incorporated in | Florida |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000730708 |
Frequently Asked Questions
What was Seacoast Banking Corp of Florida's revenue in fiscal 2025?
Seacoast Banking Corp of Florida (SBCF) reported revenue of $652.6M for fiscal 2025.
What is Seacoast Banking Corp of Florida's annual revenue history?
Seacoast Banking Corp of Florida's annual revenue by fiscal year: 2020: $324.3M; 2021: $346.8M; 2022: $432.3M; 2023: $567.4M; 2024: $515.4M; 2025: $652.6M.
What was Seacoast Banking Corp of Florida's net income in fiscal 2025?
Seacoast Banking Corp of Florida reported net income of $144.9M for fiscal 2025.
What was Seacoast Banking Corp of Florida's earnings per share (EPS) in fiscal 2025?
Seacoast Banking Corp of Florida's diluted EPS was $1.57 for fiscal 2025 (adjusted for any later stock splits).
What was Seacoast Banking Corp of Florida's revenue last quarter?
In its most recent reported quarter (2026 Q2), Seacoast Banking Corp of Florida reported revenue of $208.2M.
How much debt does Seacoast Banking Corp of Florida have?
Seacoast Banking Corp of Florida reported $112.8M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Seacoast Banking Corp of Florida are outstanding?
Seacoast Banking Corp of Florida reported a weighted average of 96.4 million basic shares outstanding in 2026 Q2.
What is Seacoast Banking Corp of Florida's market cap?
Based on its latest closing price, Seacoast Banking Corp of Florida (SBCF) has a market capitalization of about $3.08B.
When does Seacoast Banking Corp of Florida's fiscal year end?
Seacoast Banking Corp of Florida's fiscal year end, as registered with the SEC, is December 31.
Where is Seacoast Banking Corp of Florida headquartered?
Seacoast Banking Corp of Florida lists its business address in Stuart, Florida in its SEC filings.