SBCF
Seacoast Banking·NASDAQ
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SBCF fundamentals
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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Key Indicators
Seacoast Banking (SBCF) key financial stats and ratios, covering profitability, financial health, and leverage.
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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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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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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Where does Seacoast Banking (SBCF) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Seacoast Banking (SBCF) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What were the key takeaways from Seacoast Banking's earnings call?What is the revenue and EPS growth rate for Seacoast Banking year over year?What is Seacoast Banking's gross profit margin?What does Seacoast Banking do and what are its main business segments?What factors drove the changes in Seacoast Banking's revenue and profit?What guidance did Seacoast Banking's management provide for the next earnings period?Did Seacoast Banking beat or miss consensus estimates last quarter?What were the key takeaways from Seacoast Banking’s earnings call?
