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Seacoast Banking Corporation of Florida

SBCF Financial Banks Regional

Seacoast Banking Corporation of Florida’s revenue for fiscal 2025 (year ended December 2025) was $935.5 million, up 15.6% from fiscal 2024.

Revenue
+29.9%
EPS
+48.1%
Free cash flow
−19.2%
Total debt
+37.7%

Quarter to September 2026, against a year earlier

33.63 0.64 −1.87%
Market cap
$3.3B
P/E
18.8×
Fwd P/E
16.4×
Dividend yield
2.26%
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.16
Sold, $m 3.08
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 2 — — — — — — — — —
Sell — — 4 2 — 2 1 1 1 1 — —
Insider Ownership 1.38%

Capital & Financial Ratios $m

Size
Market Cap 3,250.00
Revenue ttm 1,100.36
Net income ttm 162.16
Free cash flow ttm 206.94
Net debt Q 794.24
Valuation
P/E 18.77
Forward P/E 16.40
Price / sales 2.94
Forward P/S Powerpack
Price / FCF 15.64
Price / book 1.25
Financial health
Current ratio Q 0.81
Debt / equity Q 0.42
Interest coverage Q —
Growth
Revenue growth Q +29.89% (above 0%: growing)
Operating income growth Q +57.34% (above 0%: growing)
EPS, this year +37.77% (at or above 15%: strong)
EPS, next year A +7.50%
Revenue, next year A −9.13% (below 0%: weak)
EPS, past 5 yrs +1.87%
EPS, next 5 yrs A +16.35% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 49.58%
10-year low 10-year high
P/S against its own 10 years 18.08%
10-year low 10-year high
P/B against its own 10 years 40.37%
10-year low 10-year high

Dividends raised every year since 2021

Yield
2.26%
Annual rate
0.76
Payout ratio
43.0%
Growth, 2021–25
+17.0%/yr
  1. 0.39 ’21
  2. 0.64 ’22 +64
  3. 0.71 ’23 +11
  4. 0.72 ’24 +1
  5. 0.73 ’25 +1
  6. 0.76 ’26e +5
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 453 480 403 304
Receivables — — — —
Inventory — — — —
Other — — — —
10,371 10,659 12,868 13,701
2023 2024 2025 Q'26
Payables 11,777 12,242 16,256 16,580
ST’ Debt — — — —
Other — — — —
12,152 12,475 16,645 16,897

Compound Annual Growth %

10y 5y 3y
Sales 20.17% 21.83% 27.95%
Cash Flow 20.35% 25.40% (1.35%)
Earnings 20.28% 12.53% 9.62%
Book Value 22.60% 19.13% 19.05%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.65 Actual 0.66

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.51 0.44 Miss by 0.07
Q1 FY26 0.58 0.62 Beat by 0.04
Q2 FY26 0.60 0.61 Beat by 0.01
Q3 FY26 0.65 0.66 Beat by 0.01
Q4 FY26 0.65 — Reports 4 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.29 0.55 0.62 — —
’25 0.37 0.50 0.42 0.31 1.58
’24 0.31 0.36 0.36 0.40 1.42
’23 0.15 0.37 0.37 0.35 1.23
’22 0.33 0.53 0.47 0.34 1.66
’21 0.60 0.56 0.40 0.62 2.18
’20 0.01 0.47 0.42 0.53 1.44
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 238 283 294 — —
’25 206 218 227 285 936
’24 196 202 208 203 809
’23 180 196 198 194 768
’22 94 101 108 145 447
’21 87 83 92 93 355
’20 88 88 85 88 349
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 72 62 — — —
’25 31 72 30 55 188
’24 25 57 53 45 180
’23 13 45 63 30 151
’22 55 44 49 48 196
’21 47 35 23 50 155
’20 25 6 (12) 42 61
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 69 57 — — —
’25 28 71 28 52 179
’24 24 55 52 45 176
’23 7 42 62 29 140
’22 54 42 40 48 183
’21 47 34 22 47 150
’20 24 5 (13) 42 59
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 186 250 291 347 349 355 447 768 809 936 1,100 +19.7% 850 901 951 +0.6%
Gross margin, % 95.44 93.88 89.75 86.67 93.03 97.68 96.79 73.87 63.71 69.76 71.82 (25.7) pt
EBT 44 79 88 129 101 159 138 134 156 187 236 +17.4%
EBT margin, % 23.72 31.67 30.04 37.11 28.85 44.72 30.93 17.48 19.26 19.94 21.43 (3.8) pt
Net income 29 43 67 99 78 124 107 104 121 145 162 +19.5%
Per share, $
Per share, $ Revenue 5.04 5.87 6.08 6.74 6.52 6.27 7.01 9.17 9.59 10.60 11.43 +8.6%
Earnings 0.79 1.01 1.40 1.92 1.45 2.20 1.67 1.24 1.43 1.59 1.79 +8.1%
Cash flow 1.68 1.15 2.70 2.29 1.13 2.73 3.07 1.80 2.13 2.13 0.00 +2.7%
Capex (0.16) (0.13) (0.08) (0.05) (0.03) (0.08) (0.20) (0.12) (0.05) (0.10) 0.00 (5.0%)
Free cash flow 1.52 1.01 2.62 2.24 1.10 2.66 2.88 1.67 2.08 2.03 0.00 +3.3%
Book value 11.81 16.18 18.02 19.16 21.13 23.16 25.24 25.16 25.88 30.73 26.96 +11.2%
Shares, m 37 43 48 51 54 57 64 84 84 88 94 +10.2%
Valuation, ×
Valuation, × P/E 29.62 24.90 18.45 15.92 20.54 16.09 18.77 22.64 19.25 19.52 18.77 20.6
P/S 4.47 4.24 4.28 4.54 4.52 5.64 4.53 3.06 2.87 2.96 2.94 4.1
P/B 1.91 1.54 1.44 1.60 1.39 1.53 1.26 1.12 1.06 1.02 1.25 1.4
EV/Sales 6.49 4.88 5.40 5.28 3.56 3.77 4.59 2.68 2.71 3.55 — 4.3
EV/FCF 21.55 28.25 12.54 15.89 21.03 8.90 11.19 14.65 12.48 18.55 — 16.5
Cash, $m
Cash, $m Operating cash flow 62 49 130 118 61 155 196 151 180 188 218 +13.1%
Capex (6) (6) (4) (3) (2) (4) (13) (10) (4) (9) (11) +4.7%
Free cash flow 56 43 126 115 59 150 183 140 176 179 207 +13.8%
Balance, $m
Balance, $m Working capital (746) (872) (463) (359) (936) (1,578) (1,914) (1,780) (1,816) (3,777) (3,196) +19.7%
Net debt 376 159 327 258 (333) (666) 29 (297) (128) 545 794 +4.2%
Shareholders’ equity 435 690 864 986 1,130 1,311 1,608 2,108 2,183 2,713 2,596 +22.5%
Returns, %
Returns, % ROA 0.71 0.82 1.07 1.43 1.01 1.38 0.98 0.78 0.81 0.78 0.90 +0.1 pt
ROIC 3.40 5.83 4.59 6.46 7.89 15.39 5.27 5.78 4.74 4.20 5.28 +0.8 pt
ROE 7.40 7.62 8.66 10.68 7.35 10.19 7.30 5.60 5.64 5.73 6.86 (1.7) pt
People
People Employees 725 805 902 867 965 989 1,490 1,541 1,504 1,962 — +11.7%
Revenue/emp, $m 0.26 0.31 0.32 0.40 0.36 0.36 0.30 0.50 0.54 0.48 — +7.1%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Seacoast Banking Corporation of Florida vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FFBC First Financial Bancorp. $3.4B 11.3× 10.5× +13.34% (above 0%: growing) +2.75% (above 0%: growing) −101.00% (below 0%: shrinking) 74.64% 0.00% Compare
MCHB Mechanics Bancorp $3.4B 11.9× 16.4× +32.34% (above 0%: growing) +18.88% (above 0%: growing) −31.39% (below 0%: shrinking) 76.78% 0.00% Compare
CBU Community Financial System, Inc. $3.4B 14.7× 13.6× +6.18% (above 0%: growing) +11.54% (above 0%: growing) +15.96% (above 0%: growing) 83.56% 0.00% Compare
TOWN Towne Bank $3.4B 10.2× 8.6× +85.30% (above 0%: growing) +303.85% (above 0%: growing) +9.18% (above 0%: growing) 85.47% 0.00% Compare
SFNC Simmons First National Corporation $3.4B 12.9× 12.8× +180.46% (above 0%: growing) n/m +89.30% (above 0%: growing) 70.51% 0.00% Compare
SBCF Seacoast Banking Corporation of Florida $3.3B 18.8× 16.4× +29.89% (above 0%: growing) +48.07% (above 0%: growing) −19.23% (below 0%: shrinking) 73.05% 0.00%
PRK Park National Corporation $3.3B 15.7× 14.6× +24.17% (above 0%: growing) +7.57% (above 0%: growing) +4.77% (above 0%: growing) 84.27% 0.00% Compare
BKU BankUnited, Inc. $3.2B 11.9× 11.2× −5.99% (below 0%: shrinking) +6.25% (above 0%: growing) +9.39% (above 0%: growing) 62.35% 0.00% Compare
FHB First Hawaiian, Inc. $3.1B 11.2× 12.4× −2.99% (below 0%: shrinking) −11.86% (below 0%: shrinking) +105.64% (above 0%: growing) 79.21% 0.00% Compare
Median of peers $3.4B 11.9× 12.6× +18.76% +7.57% +9.29% 78.00% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 10 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 4.48m 5.20m 119.79
2024 3.86m 4.70m 102.29
2023 3.09m 2.96m 102.78
2022 2.82m 2.30m 109.31
2021 2.77m 2.93m 121.59

Ownership

Directors and executive officers, together 1.50%
BlackRock, Inc. 13.90%
The Vanguard Group 7.30%
North Reef Capital Management L.P. 6.00%
Wellington Management Group LLP 5.50%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Seacoast Banking Corporation of Florida (SBCF) Latest News

2 Nov

Impact 3 · · StockStory

28 Oct

Impact 4 · · MarketBeat
Impact 4 · · The Motley Fool transcript
Impact 4 · · Moby earnings
Impact 3 · · Associated Press

27 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · StockStory

26 Oct

Impact 3 · · StockStory

22 Oct

Impact 3 · · Zacks
Impact 3 · · Business Wire

20 Oct

Impact 3 · · Zacks

5 Oct

Impact 3 · · Business Wire

1 Oct

Impact 3 · · StockStory

18 Aug

Impact 3 ·

30 Jul

Impact 4 ·

29 Jul

Impact 4 ·
Impact 3 · · MarketBeat transcript
Impact 3 · · Moby transcript

28 Jul

Impact 3 ·
Impact 3 ·

27 Jul

Impact 3 ·

21 Jul

Impact 3 ·

29 Apr

Impact 4 · · MarketBeat
Impact 4 · · The Motley Fool transcript
Impact 4 · · Moby

28 Apr

Impact 4 · · Zacks
Impact 4 · · Business Wire
Impact 3 · · Zacks
Impact 3 · · StockStory

SBCF metrics, ten years each

stockrow.com/SBCF · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com