Symbols

SBCF

Seacoast Banking·NASDAQ

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SBCF fundamentals

SBCF Q4 2025 Earnings

Seacoast Banking (SBCF) released its earnings on Jan 29, 2026: revenue was 204.79M (YoY +44.66%), beat estimates; EPS was 0.44 (YoY -8.33%), missed estimates.

Revenue / YoY

204.79M

+44.66%

EPS / YoY

0.44

-8.33%

Report date

Jan 29, 2026

SBCF Earnings Call Summary for Q4,2025

Record Growth: 15% annualized loan growth driven by commercial success and Villages acquisition, with 2026 EPS guidance of $2.48-$2.52.
Margin Expansion: NIM up 12 bps to 3.44%, supported by lower deposit costs and strategic securities repositioning.
Strategic Hiring: 15% banker growth in 2026 to fuel future expansion, with efficiency ratio targeting 53-55%.
Capital Strength: Tier 1 capital ratio of 14.4% and tangible equity to assets at 9.3%, with excess capital deployed into high-yield assets.
Market Resilience: Florida housing mixed but resilient, with strong demand in Southeast Florida offsetting oversupply in West Coast markets.

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Revenue & Expenses

Key Indicators

Seacoast Banking (SBCF) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Seacoast Banking (SBCF)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

Seacoast Banking (SBCF)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

Seacoast Banking (SBCF)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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