Seacoast Banking Corp of Florida (SBCF)

Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides integrated financial services to retail and commercial customers in Florida. The company offers noninterest and interest-bearing demand deposits, money market, savings, and customer sweep accounts; time deposits; construction and land development, commercial and residential real estate, and commercial and financial loans; and consumer loans, including installment and revolving lines, as well as loans for automobiles, boats, and personal and family purposes. It also provides wealth management, mortgage, and insurance services through mobile and online banking solutions, as well as brokerage and annuity services. The company was founded in 1926 and is headquartered in Stuart, Florida.

Ticker: SBCF
Exchange: Nasdaq
Sector: Financial Services
Industry: Banks - Regional
Market cap: $3.24B
52-week range: $28.69 - $36.27

Valuation

Share price: $33.54 (close of Nov 6, 2026)
P/E (TTM): 19.61x
Price to book: 1.25x
Price to free cash flow: 9.93x
Enterprise value: $4.04B
Book value per share: $26.83

Price performance

Period	Change
1 day	-0.18%
5 days	+1.54%
1 month	+3.45%
3 months	-2.87%
6 months	+6.95%
Year to date	+6.75%
1 year	+9.75%
3 years	+48.21%
5 years	-11.39%
10 years	+95.68%
All time	+227.95%

Short interest

As of: Oct 15, 2026
Short % of float: 6.56%
Shares short: 5.39M
Days to cover: 6.23
Change since prior report: +4.77%
Source: FINRA consolidated short interest

Profitability and growth

Return on equity: 5.34%
Return on assets: 0.70%
Net margin: 22.20%
Revenue growth: 26.63%
Net income growth: 19.75%
Free cash flow growth: 4.54%

Cash flow and balance sheet

Free cash flow yield (TTM): 10.07%
Net debt to EBITDA: 1.43x

Latest reported year

Period end: Dec 31, 2025
Fiscal year: 2025
Revenue: $652.63M
Net income: $144.88M
Earnings per share: $1.59
Interest expense: $282.90M
Shares outstanding: 88.28M

Income statement by year

Period end	Revenue	Net income	EPS
2025-12-31	$652.63M	$144.88M	$1.59
2024-12-31	$515.40M	$120.99M	$1.43
2023-12-31	$567.39M	$104.03M	$1.24
2022-12-31	$432.25M	$106.51M	$1.67
2021-12-31	$346.75M	$124.40M	$2.20
2020-12-31	$324.31M	$77.76M	$1.45
2019-12-31	$300.35M	$98.74M	$1.92
2018-12-31	$261.54M	$67.28M	$1.40
2017-12-31	$234.76M	$42.87M	$1.01
2016-12-31	$177.38M	$29.20M	$0.79

Margins and returns by year

Period end	Net margin	Return on equity
2025-12-31	22.20%	5.34%
2024-12-31	23.47%	5.54%
2023-12-31	18.34%	4.93%
2022-12-31	24.64%	6.62%
2021-12-31	35.88%	9.49%
2020-12-31	23.98%	6.88%
2019-12-31	32.87%	10.02%
2018-12-31	25.72%	7.78%
2017-12-31	18.26%	6.22%
2016-12-31	16.46%	6.71%

Cash and debt by year

Period end	Cash	Debt
2025-12-31	$388.55M	$112.76M
2024-12-31	$476.61M	$106.97M
2023-12-31	$447.18M	$106.30M
2022-12-31	$201.94M	$84.53M
2021-12-31	$737.73M	-
2020-12-31	$404.09M	-
2019-12-31	$124.53M	-
2018-12-31	$115.95M	-
2017-12-31	$109.50M	-
2016-12-31	$109.64M	-

Free cash flow by year

Period end	Free cash flow	Stock-based compensation
2025-12-31	$188.06M	$15.74M
2024-12-31	$179.90M	$13.74M
2023-12-31	$150.61M	$13.44M
2022-12-31	$195.86M	$11.15M
2021-12-31	$154.57M	$8.69M
2020-12-31	$60.65M	$7.30M
2019-12-31	$117.75M	$7.24M
2018-12-31	$129.61M	$7.82M
2017-12-31	$48.91M	$5.27M
2016-12-31	$62.01M	$4.15M

Dividend history

Most recent payment: Sep 15, 2026
Paid in the last twelve months: $0.76

Payment date	Dividend per share
2026-09-15	$0.19
2026-06-15	$0.19
2026-03-13	$0.19
2025-12-15	$0.19
2025-09-15	$0.18
2025-06-13	$0.18
2025-03-14	$0.18
2024-12-13	$0.18

Investor relations

Past earnings dates

Reported	Fiscal period	EPS estimate
2026-10-27	Sep 2026	$0.65
2026-07-28	Jun 2026	$0.60
2026-04-28	Mar 2026	$0.58
2026-01-29	Dec 2025	$0.51
2025-10-27	Sep 2025	$0.47
2025-07-24	Jun 2025	$0.42
2025-04-24	Mar 2025	$0.40
2025-01-27	Dec 2024	$0.30

Filings and sources

Company website: seacoastbanking.com
SEC filings: 10-K, 10-Q and 8-K on EDGAR
Earnings calendar: All upcoming reports

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