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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. In the quarter to June 2026, revenue grew 30.1%, EPS grew 10.0%, free cash flow fell 19.2% and total debt rose 15.3%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for ten; insiders bought in the last twelve months.

32.54 0.11 +0.34%
Market cap
$3.1B
P/E
20.5×
Fwd P/E
14.1×
Dividend yield
2.34%
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.16
Total sells 3.43
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — 2 — — — — — — — —
Sell 2 — — 4 2 — 2 1 1 1 1 —
Insider Ownership 1.46%

Capital & Financial Ratios $m

Market Cap 3,140.00
Revenue 1,032.64
Net Income 162.16
Free Cash Flow 206.94
Net Debt 517.22
Current Ratio 0.78
Debt/Equity 0.35
P/E ratio 20.47
Fwd P/E 14.10
P/S ratio 3.04
P/B ratio 1.15
Past 5Y EPS Growth 1.87%
This Y EPS Growth 38.58% (at or above 15%: strong)
Next Y EPS Growth 8.38%
Next Y revenue growth (8.99%) (below 0%: weak)
Next 5Y EPS Growth 16.71% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 64.50%
10-year low 10-year high
P/S against its own 10 years 22.26%
10-year low 10-year high
P/B against its own 10 years 34.24%
10-year low 10-year high

Dividends

Payout Ratio 0.48
Annual Dividend Rate 0.76
Annual Dividend Yield 2.34%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.77
0.19
0.19
0.19
2025 0.73
0.18
0.18
0.18
0.19
2024 0.72
0.18
0.18
0.18
0.18
2023 0.71
0.17
0.18
0.18
0.18
2022 0.64
0.13
0.17
0.17
0.17
2021 0.39
0.13
0.13
0.13
2020 Powerpack
2019 Powerpack
2017 Powerpack
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 453 480 403 431
Receivables — — — —
Inventory — — — —
Other — — — —
10,371 10,659 12,868 13,413
2023 2024 2025 Q'26
Payables 11,777 12,242 16,256 16,792
ST’ Debt — — — —
Other — — — —
12,152 12,475 16,645 17,165

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%

Revenue $m

Mar Jun Sep Dec Year
’26 238 283 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 0.29 0.55 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

2.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 13.40 20.58 21.74 22.35 13.30 28.52 29.05 17.93 21.90 21.36

Analyst estimates 2026–2028

Powerpack
High 22.91 27.13 34.95 31.42 30.87 40.93 39.31 34.03 31.68 33.23
People
People Employees 725 805 902 867 965 989 1,490 1,541 1,504 1,962
Revenue/emp, $m 0.26 0.31 0.32 0.40 0.36 0.36 0.30 0.50 0.54 0.48
Income, $m
Income, $m Revenue 186 250 291 347 349 355 447 768 809 936
Gross margin, % 95.44 93.88 89.75 86.67 93.03 97.68 96.79 73.87 63.71 69.76
EBT 44 79 88 129 101 159 138 134 156 187
EBT margin, % 23.72 31.67 30.04 37.11 28.85 44.72 30.93 17.48 19.26 19.94
Net income 29 43 67 99 78 124 107 104 121 145
Depreciation 10 9 8 11 2 2 11 (1) 16 32
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
Earnings 0.79 1.01 1.40 1.92 1.45 2.20 1.67 1.24 1.43 1.59
Cash flow 1.68 1.15 2.70 2.29 1.13 2.73 3.07 1.80 2.13 2.13
Capex (0.16) (0.13) (0.08) (0.05) (0.03) (0.08) (0.20) (0.12) (0.05) (0.10)
Free cash flow 1.52 1.01 2.62 2.24 1.10 2.66 2.88 1.67 2.08 2.03
Book value 11.81 16.18 18.02 19.16 21.13 23.16 25.24 25.16 25.88 30.73
Shares, m 37 43 48 51 54 57 64 84 84 88
Valuation, ×
Valuation, × P/E 29.62 24.90 18.45 15.92 20.54 16.09 18.77 22.64 19.25 19.52
P/S 4.47 4.24 4.28 4.54 4.52 5.64 4.53 3.06 2.87 2.96
P/B 1.91 1.54 1.44 1.60 1.39 1.53 1.26 1.12 1.06 1.02
EV/Sales 6.49 4.88 5.40 5.28 3.56 3.77 4.59 2.68 2.71 3.55
EV/FCF 21.55 28.25 12.54 15.89 21.03 8.90 11.19 14.65 12.48 18.55
Cash, $m
Cash, $m Operating cash flow 62 49 130 118 61 155 196 151 180 188
Capex (6) (6) (4) (3) (2) (4) (13) (10) (4) (9)
Free cash flow 56 43 126 115 59 150 183 140 176 179
Balance, $m
Balance, $m Working capital (746) (872) (463) (359) (936) (1,578) (1,914) (1,780) (1,816) (3,777)
Total debt 485 282 451 386 71 72 235 156 352 948
Net debt 376 159 327 258 (333) (666) 29 (297) (128) 545
Shareholders’ equity 435 690 864 986 1,130 1,311 1,608 2,108 2,183 2,713
Returns, %
Returns, % ROA 0.71 0.82 1.07 1.43 1.01 1.38 0.98 0.78 0.81 0.78
ROIC 3.40 5.83 4.59 6.46 7.89 15.39 5.27 5.78 4.74 4.20
ROE 7.40 7.62 8.66 10.68 7.35 10.19 7.30 5.60 5.64 5.73
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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. $3.3B 11.0× 9.7× +12.98% (above 0%: growing) 0.00% −101.00% (below 0%: shrinking) 74.47% 0.00% Compare
TOWN Towne Bank $3.3B 9.9× 8.3× +85.30% (above 0%: growing) +303.85% (above 0%: growing) +9.18% (above 0%: growing) 85.47% 0.00% Compare
PRK Park National Corporation $3.2B 15.9× 14.7× +25.60% (above 0%: growing) +9.06% (above 0%: growing) +4.77% (above 0%: growing) 84.20% 0.00% Compare
SFNC Simmons First National Corporation $3.2B — (loss-making) 10.5× −0.49% (below 0%: shrinking) +6.98% (above 0%: growing) +89.30% (above 0%: growing) 69.90% 0.00% Compare
SBCF Seacoast Banking Corporation of Florida $3.1B 20.5× 14.1× +30.05% (above 0%: growing) +10.00% (above 0%: growing) −19.23% (below 0%: shrinking) 73.47% 0.00%
CBU Community Financial System, Inc. $3.1B 14.0× 13.3× +8.48% (above 0%: growing) +19.59% (above 0%: growing) +15.96% (above 0%: growing) 83.15% 0.00% Compare
FHB First Hawaiian, Inc. $3.0B 10.8× 11.8× +0.67% (above 0%: growing) +3.45% (above 0%: growing) −93.83% (below 0%: shrinking) 79.03% 0.00% Compare
BKU BankUnited, Inc. $3.0B 11.4× 11.4× −5.37% (below 0%: shrinking) +6.59% (above 0%: growing) +9.39% (above 0%: growing) 62.44% 0.00% Compare
INTR Inter & Co. Inc. $3.0B 10.2× 6.9× +45.51% (above 0%: growing) +46.15% (above 0%: growing) −253.49% (below 0%: shrinking) 59.27% 0.00% Compare
Median of peers $3.2B 11.0× 11.0× +10.73% +8.02% +6.98% 76.75% 0.00%

All 323 Banks Regional stocks →

Seacoast Banking Corporation of Florida (SBCF) key facts

  • Strength: Seacoast Banking Corporation of Florida’s revenue for fiscal 2025 (year ended December 2025) was $935.5 million, up 15.6% from fiscal 2024.
  • Seacoast Banking Corporation of Florida (SBCF) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, SBCF traded at $32.54, a market capitalization of $3.1 billion.
  • Seacoast Banking Corporation of Florida pays an annual dividend of $0.76 per share, a yield of 2.34%, with a payout ratio of 48.4%.
  • Return on equity was 5.73% and debt-to-equity 0.35.
  • Its Piotroski F-score is 4 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Seacoast Banking Corporation of Florida (SBCF) Latest News

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stockrow.com/SBCF · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com