Seacoast Banking Corporation of Florida

SBCF

$34.38

+0.70%

2026-09-03 16:00:00 EDT+$0.24

Financial Services

Banks - Regional

NASDAQ

Active Trading

Seacoast Banking Corporation of Florida serves as the parent holding company for Seacoast National Bank, providing a diverse range of financial solutions ...

Price Action of SBCF

$34.38

+0.70%+$0.24

High—

Low—

52W High-5.2%

Rel. vol—

Interval

Range6.5h

Volume—SMA5SMA10

—

Seacoast Banking Corporation of Florida is a leading community bank headquartered in Stuart, Florida, with a rich history dating back to 1926. As the parent holding company for Seacoast National Bank, it offers a comprehensive range of financial products and services to individuals and businesses throughout Florida. The bank operates ...Seacoast Banking Corporation of Florida is a leading community bank headquartered in Stuart, Florida, with a rich history dating back to 1926. As the parent holding company for Seacoast National Bank, it offers a comprehensive range of financial products and services to individuals and businesses throughout Florida. The bank operates over 100 branches and commercial lending offices, serving customers through traditional in-person banking as well as modern digital channels, including mobile and online banking platforms. Its diverse portfolio includes commercial and retail banking, wealth management, mortgage lending, and investment services such as brokerage and annuities. Deposit products range from interest-bearing and non-interest-bearing checking accounts to money market accounts, savings accounts, automated sweep accounts, and fixed-term certificates of deposit. On the lending side, the bank provides financing for construction and land development, commercial and residential real estate, and various consumer loans including installment plans, revolving credit lines, and specialized financing for autos, boats, and personal needs. With approximately $20.8 billion in assets and around $16 billion in deposits as of recent reports, Seacoast is one of the largest community banks headquartered in Florida. The institution emphasizes strong customer relationships and community involvement, as reflected in its recognition as a Great Place to Work. Its financial performance demonstrates solid profitability, with a return on equity of 5.6% and a net profit margin of 17.1%. The bank maintains a conservative leverage profile with a debt-to-equity ratio of 0.43. Leadership, under CEO Charles Shaffer, who also serves as Chairman, focuses on sustainable growth and innovation. Seacoast's stock trades on NASDAQ under the symbol SBCF, and it pays a regular dividend, with a current yield of 2.2%. The company continues to expand its footprint strategically, aiming to serve more Floridians while preserving its community-oriented ethos.ExpandCollapse

Founded

1926

Employees

1962

CEO

Charles Shaffer

Full Name

Seacoast Banking Corporation of Florida

Sector

Financial Services

Industry

Banks - Regional

ROE

5.61%

Market Cap

$3.34B

Current Ratio

0.31

WACC

10.95%

ROIC

-1.55%

Contact Information

https://www.seacoastbanking.com

772 287 4000

815 Colorado Avenue, Stuart, FL 34994

Key Metrics of SBCF

Snapshot

Latest / TTM · 6 periods

Market Cap

$3.34B

ROCE

4.3%

EV / EBITDA

17.31x

+1.8% YoY

FCF Yield

6.2%

-0.3% YoY

Cash Conversion Cycle

0.0d

Current Ratio

0.31

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Financial Highlights of SBCF

Profitability trend

Latest / TTM · 6 periods

Gross Margin

64.4%

Net Margin

17.1%

P/E Ratio

20.71x

n/a

Debt / Equity

0.43

n/a

Current Ratio

0.31

Dividend Yield

2.2%

Understanding

TTM —

Current ratio below 1.0

Calendar of SBCF

Upcoming

Sep 15, 2026In 11 days
Ex-dividend date
$0.75 per share
Sep 30, 2026In 26 days
Dividend payment
$0.75 per share
Sep 30, 2026In 26 days
Q3 FY2026 · Estimated results
Est. EPS $0.65 · Revenue $216.20M · 4 analysts
Oct 26, 2026In 52 days
Q3 FY2026 · Earnings report
Est. EPS $0.64

Recent history

Aug 4, 2026
Q2 FY2026 · Results reported
EPS $0.55 · Revenue $255.55M
View filing
May 6, 2026
Q1 FY2026 · Results reported
EPS $0.29 · Revenue $220.81M
View filing
Feb 27, 2026
FY2025 · Annual results
EPS $1.58 · Revenue $869.54M
View filing
Nov 5, 2025
Q3 FY2025 · Results reported
EPS $0.42 · Revenue $226.53M
View filing
Aug 8, 2025
Q2 FY2025 · Results reported
EPS $0.50 · Revenue $217.87M
View filing
Mar 31, 2025
Q1 FY2025 · Results reported
EPS $0.37 · Revenue $206.44M

Financial Statements of SBCF

Next Earnings Date

Oct 26, 2026

EPS Est. 0.64 · Fiscal period ending 2026-09-30

D-52

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$869.5M	+7.5%	+15.7%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$144.9M	+19.7%	+86.7%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+61.6%	-0.0%	+6.9%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+21.4%	+11.3%	+2.0%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+16.7%	+11.4%	+61.3%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$178.9M	+1.7%	-17.9%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+20.6%	-5.4%	-29.0%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	43.7%	+63.5%	+4.0%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	0.40x	+85.9%	-41.4%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$20.8B	+37.3%	+1.0%

Actual vs Estimate

A Dec 31Q Sep 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	1.58 vs 1.91	-17.3%	0.55 vs 0.65	-15.6%
Revenue Surprise	$869.5M vs $651.4M	+33.5%	$255.6M vs $216.2M	+18.2%

Insider Transactions of SBCF

Acquisitions (A)

Since Jul 31, 2026

Disposals (D)

Since Jul 31, 2026

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Aug 27, 2026	Kleffel Juliette	officer: EVP, Chief Operating Officer	Common Stock	A	14,831	$28.69
Aug 27, 2026	Kleffel Juliette	officer: EVP, Chief Operating Officer	Common Stock	D	14,831	$34.31
Aug 27, 2026	Kleffel Juliette	officer: EVP, Chief Operating Officer	Common Stock Right to Buy	D	14,831	$28.69
Aug 4, 2026	Shaffer Charles M	director, officer: Chairman, President & CEO	Common Stock	A	28,544	$28.69
Aug 4, 2026	Shaffer Charles M	director, officer: Chairman, President & CEO	Common Stock	D	25,851	$35.47

Earnings Call Transcript of SBCF

1 transcript segments

Q2 2026

Unknown Speaker

Operator: Welcome to the Seacoast Banking Corporation Second Quarter 2026 Earnings Conference Call. My name is Colby, and I will be your operator. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, we will conduct a question-and-answer session. If you would like to ask a question at that time, please press star one. To withdraw your question at any time, please press star one again. Before we begin, I have been asked to direct your attention to the statement at the end of the company's press release regarding forward-looking statements. Seacoast will be discussing issues that constitute forward-looking statements within the meaning of the Securities Exchange Act. And its comments today are intended to be covered within the meaning of that act. Please note that this conference is being recorded. I will now turn the call over to Chuck Shaffer, Chairman and CEO of Seacoast Bank. Mr. Shaffer, you may begin. Charles Shaffer: All right. Thank you, Colby, and good morning, everyone, and thank you for joining us. As we move through today's presentation, we will reference the second quarter 2026 earnings slide deck which is available at seacoastbanking.com. Joining me today are Tracey Dexter, our chief financial officer; Michael Young, our chief strategy officer; and James Stallings, our chief credit officer. Seacoast delivered another strong quarter, reflecting the strength of our diversified franchise, disciplined execution and continued strict focus on delivering the earnings guidance we provided at the start of the year. Net income totaled $59.5 million, or $0.55 per diluted share, and adjusted earnings were $65.8 million, or $0.61 per diluted share. Adjusted return on assets for the quarter was 1.25%, and the adjusted return on tangible equity was 15.8%, up from 13.3% a year ago. Adjusted pre-tax pre-provision earnings increased 52% from a year ago, driving continued improvement in operating leverage. Growth remained a key highlight for the quarter, and organic loan growth was 16% annualized, supported by broad-based production across our commercial banking platform, and we finished the quarter with a record commercial pipeline of approximately $1.3 billion. Importantly, we achieved this growth while maintaining underwriting discipline, and we continue to see strong opportunities to onboard additional banking talent teams across multiple markets. We expect to continue to deliver on our high-single-digit growth rate target for the full-year 2026. Funding trends were also favorable. Total deposits increased at a 4% annualized rate, led by growth in noninterest-bearing balances, and while the broader industry felt more pressure on deposit costs, our cost of deposits declined to 1.53%, highlighting the strength of our relationship-based franchise and disciplined pricing strategies. I was pleased to continue to see consistent quarterly growth in noninterest-bearing demand deposits as we continue to onboard …

Leadership Team of SBCF

10 executives

Name	Title	Compensation	Gender	Year Born	Status
Charles Shaffer	Chairman, President & Chief Executive Officer	USD 2,569,468	Male	1974	Active
Juliette Kleffel	Executive Vice President & Chief Operating Officer	USD 1,187,464	Female	1971	Active
Austen D. Carroll	Executive Vice President & Chief Lending Officer	USD 1,126,102	Male	1978	Active
Tracey L. Dexter	Executive Vice President & Chief Financial Officer	USD 1,050,116	Female	1974	Active
Joseph Forlenza	Executive Vice President & Chief Risk Officer	USD 914,785	Male	1962	Active
Michael J. Sonego	Executive Vice President, Executive VP of Community Banking & Residential Lending Executive	—	Male	—	Active
Amanda Lopez	Executive Vice President & Chief Marketing Officer	—	Female	—	Active
Jeff Semonovich	Executive Vice President & Chief Information Officer	—	Male	—	Active
Daniel G. Chappell	Chief HR Officer & Executive Vice President	—	Male	—	Active
James Norton	Executive Vice President & Commercial Real Estate Executive	—	Male	—	Active

Recent News of SBCF

Zacks Investment Research8/3/2026Neutral

Seacoast Banking (SBCF) is a Great Momentum Stock: Should You Buy?

Does Seacoast Banking (SBCF) have what it takes to be a top stock pick for momentum investors? Let's find out.

Defense World8/3/2026Neutral

First Trust Advisors LP Buys 49,301 Shares of Seacoast Banking Corporation of Florida $SBCF

First Trust Advisors LP raised its stake in shares of Seacoast Banking Corporation of Florida (NASDAQ: SBCF) by 34.2% during the undefined quarter, according to its most recent filing with the SEC. The firm owned 193,549 shares of the financial services provider's stock after acquiring an additional 49,301 shares during the period. First

Seeking Alpha7/29/2026Neutral

Seacoast Banking Corporation of Florida (SBCF) Q2 2026 Earnings Call Transcript

MarketBeat7/29/2026Neutral

Seacoast Banking Corporation of Florida Q2 Earnings Call Highlights

Seacoast Banking Corporation of Florida NASDAQ: SBCF reported second-quarter net income of $59.5 million, or $0.55 per diluted share, while adjusted earnings totaled $65.8 million, or $0.61 per diluted share. Adjusted pre-tax, pre-provision earnings rose 52% from a year earlier to $95.5 million.

Zacks Investment Research7/28/2026Neutral

Seacoast Banking (SBCF) Reports Q2 Earnings: What Key Metrics Have to Say

While the top- and bottom-line numbers for Seacoast Banking (SBCF) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Historical Employee Count of SBCF

Current

1,962

Change

+30.45%

Minimum

989

Maximum

1,962

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Dec 31, 2025	1,962	10-K	Feb 27, 2026	View
Dec 31, 2024	1,504	10-K	Feb 25, 2025	View
Dec 31, 2023	1,541	10-K	Feb 27, 2024	View
Dec 31, 2021	989	10-K	Feb 28, 2022	View

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Seacoast Banking Corporation of Florida