SEACOAST BANKING CORP OF FLORIDA

Listed Company

SBCFCIK 0000730708NasdaqLarge AcceleratedState Commercial BanksFloridaFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$144.88M

Total Assets

$20.84B

Equity

$2.71B

Shares Out

97.25M

Op. Cash Flow

$188.06M

SBCF$33.86+15.88% · past yearDBEQ Basic

Daily closing prices

Business

Seacoast Banking Corporation of Florida is a financial holding company that provides integrated financial services through its principal subsidiary, Seacoast National Bank. The company offers commercial and consumer banking, wealth management, mortgage and insurance services delivered via 104 full-service branches and digital banking channels across Florida and into Georgia. Seacoast operates through a network of wholly-owned subsidiaries and affiliates, including a controlling interest in a REIT, brokerage services through LPL Financial, and insurance products through Nature Coast Insurance.

Summary from 10-K filed 2026-02-27

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Taxable	151	99	83	57	29
Nontaxable	3	135,000	354,000	546,000	577,000
Interest and fees on loans	657	597	581	316	251
Interest on interest-bearing deposits and other investments	25	29	25	8	3
Total Interest Income	836	726	689	380	284
Interest on deposits	177	198	127	7	4
Interest on time certificates	67	71	52	3	3
Interest on securities sold under agreement to repurchase	6	9	8	986,000	141,000
Interest on FHLB borrowings	25	8	6	330,000	0
Interest on long-term debt	7	7	7	3	2
Total Interest Expense	283	294	201	14	—
Net Interest Income	553	432	488	366	276
Provision for credit losses	51	16	38	26	−9
Net Interest Income After Provision for Credit Losses	502	416	451	340	285
Service charges on deposit accounts	23	21	18	14	10
Wealth management income	19	15	13	11	10
Mortgage banking income	5	2	2	3	12
Interchange income	8	8	14	17	16
Insurance agency income	6	5	5	805,000	0
BOLI income	12	10	8	6	4
Other	27	31	22	15	18
Total Noninterest Income Before Securities (Losses) Gains, Net	100	91	82	67	71
Securities losses, net (includes net losses of $0.9 million for 2025, $12.0 million for 2024 and $2.9 million for 2023 in other comprehensive income reclassifications)	−522,000	−8	−3	−1	−578,000
Total Noninterest Income	99	83	79	66	71
Salaries and wages	187	162	172	130	97
Employee benefits	33	28	30	19	18
Outsourced data processing costs	38	37	35	28	20
Occupancy	32	30	32	22	14
Furniture and equipment	9	8	9	6	5
Marketing	11	11	9	6	5
Legal and professional fees	9	10	11	21	11
FDIC assessments	10	8	9	3	2
Amortization of intangibles	27	24	29	9	5
OREO expense and net (gain) loss on sale	−126,000	440,000	985,000	−2	−264,000
Provision for credit losses on unfunded commitments	1	1	1	1	133,000
Merger and integration costs	32	0	33	—	—
Other	26	24	26	24	16
Total Noninterest Expense	415	343	396	268	197
Income Before Income Taxes	187	156	134	138	159
Provision for income tax expense	42	35	30	32	34
Net Income	145	121	104	107	124
Preferred dividends	2	0	0	—	—
Net income available to common shareholders	143	121	104	—	—
Diluted (in dollars per share)	1.57	1.42	1.23	1.66	2.18
Basic (in dollars per share)	1.59	1.43	1.24	1.67	2.2
Diluted (in shares)	89	85	84	64	57
Basic (in shares)	88	84	84	64	57

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	181	172	168	121	239
Interest-bearing deposits with other banks	207	305	280	81	499
Total cash and cash equivalents	389	477	447	202	738
Time deposits with other banks	14	3	6	3	0
Securities AFS (at fair value)	5,165	2,227	1,836	1,872	1,644
Securities HTM (fair value $489.6 million in 2025 and $507.6 million in 2024)	586	635	680	747	639
Total debt securities	5,751	2,862	2,516	2,619	2,283
Loans held for sale	16	17	4	3	32
Loans	12,628	10,300	10,063	8,145	5,925
ACL	−179	−138	−149	−114	−83
Loans, net of ACL	12,449	10,162	9,914	8,031	5,842
Bank premises and equipment, net	160	108	113	117	72
OREO	4	6	8	2	14
Goodwill	1,035	732	732	480	252
Other intangible assets, net	196	72	96	75	15
BOLI	331	309	299	238	205
Net DTAs	67	103	113	95	27
Other assets	431	325	331	280	202
Total Assets	20,842	15,176	14,580	12,146	9,681
Noninterest demand	3,898	3,352	3,545	4,071	3,076
Interest-bearing demand	3,993	2,668	2,790	2,338	1,890
Savings	975	520	651	1,064	895
Money market	5,142	4,086	3,314	1,986	1,652
Other time deposits	1,454	822	803	369	405
Brokered time certificates	121	244	122	4	0
Time certificates of more than $250,000	675	550	550	149	150
Total Deposits	16,256	12,242	11,777	9,982	8,068
Securities sold under agreements to repurchase, maturing within 30 days	389	232	375	172	122
FHLB borrowings	835	245	50	—	—
Long-term debt, net	113	107	106	—	—
Other liabilities	193	167	164	150	110
Total Liabilities	17,787	12,993	12,472	10,538	8,371
Commitments and Contingencies (See Note 9 - Borrowings and Note 15 - Contingent Liabilities and Commitments with Off-Balance Sheet Risk)	—	—	—	—	—
Convertible preferred stock, par value $0.10 per share authorized 4,000,000 shares, issued 11,250 and outstanding 11,250 shares in 2025	343	0	0	0	—
Common stock, par value $0.10 per share authorized 120,000,000 shares, issued 98,728,878 and outstanding 97,927,843 shares in 2025 and authorized 120,000,000 shares, issued 86,284,017 and outstanding 85,567,712 shares in 2024	10	9	8	7	6
Additional paid-in capital	2,198	1,825	1,809	1,378	964
Retained earnings	604	527	467	424	359
Treasury stock (801,035 shares in 2025 and 716,305 shares in 2024), at cost	−21	−19	−17	−13	−11
Total Shareholders' Equity Before Accumulated Other Comprehensive Loss, Net	2,790	2,341	2,268	1,796	1,318
Accumulated other comprehensive loss, net	−77	−158	−160	−188	−7
Total Shareholders' Equity	2,713	2,183	2,108	1,608	1,311
Total Liabilities, Convertible Preferred Stock & Shareholders' Equity	20,842	15,176	14,580	12,146	9,681

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation	10	9	8	6	5
Accretion of discounts of premiums on securities, net	−8	−3	−949,000	576,000	6
Amortization of operating lease ROUAs	9	8	8	6	5
Other amortization and accretion, net	21	2	−16	−2	−14
Stock-based compensation	16	14	13	11	9
Origination of loans designated for sale	−166	−95	−113	−187	−490
Sale of loans designated for sale	173	100	117	221	543
Deferred income taxes	12	10	9	−10	4
Losses on securities	522,000	8	3	0	—
Gains on sale of loans	−6	−5	−4	−6	−15
(Gains) losses on sale of OREO, net of write-downs	−207,000	134,000	450,000	−2	−635,000
Losses on disposition of fixed assets and write-downs upon transfer of bank premises to OREO	131,000	291,000	2	1	817,000
Net increase in other assets	−26	−6	−9	508,000	−42
Net (decrease) increase in other liabilities	−43	2	−9	22	29
Net cash provided by operating activities	188	180	151	196	155
Maturities and repayments of debt securities AFS	538	383	220	271	546
Maturities and repayments of debt securities HTM	49	45	69	97	133
Proceeds from sale of debt securities AFS	1,793	217	113	515	85
Purchases of debt securities AFS	−2,258	−994	−101	−694	−1,145
Maturities and redemptions of time deposits with other banks	19	6	2	3	750,000
Purchases of time deposits with other banks	0	−3	−5	0	0
Net new loans and principal repayments	−983	−244	111	−513	566
Purchases of loans held for investment	0	−45	0	−111	−259
Proceeds from the sale of loans held for investment	20	34	0	0	—
Proceeds from the sale of OREO	5	3	577,000	16	6
Proceeds from sale of FHLB and Federal Reserve Bank stock	56	11	73	0	4
Purchase of FHLB and Federal Reserve Bank stock	−111	−21	−88	−12	−3
Proceeds from BOLI death benefit	5	0	0	26	0
Proceeds from sale of Visa Class B shares	0	4	0	0	—
Net cash from bank acquisitions	170	0	142	282	98
Additions to bank premises and equipment	−9	−4	−10	−13	−4
Net cash (used in) provided by investing activities	−707	−607	527	−365	−413
Net (decrease) increase in deposits	−142	465	−324	−384	640
Net increase (decrease) in repurchase agreements	52	−143	203	50	2
Net increase (decrease) in FHLB borrowings with original maturities of three months or less	115	0	−280	−63	0
Repayments of FHLB borrowings with original maturities of more than three months	−235	−160	−75	−8	—
Proceeds from FHLB borrowings with original maturities of more than three months	710	355	110	75	—
Stock-based employee benefit plans	−1	945,000	5	3	5
Repurchase of common stock	0	−880,000	−11	0	0
Dividends paid	−68	−62	−61	−41	−23
Net cash provided by (used in) financing activities	431	456	−433	−367	592
Net (decrease) increase in cash and cash equivalents	−88	29	245	−536	334
Cash paid for interest	278	287	191	14	10
Cash paid (refunded) for U.S. federal taxes, net	13	17	−6	—	—
Cash paid for U.S. state taxes, net	2	2	79,000	—	—
Recognition of operating lease ROUAs, other than through bank acquisition, net of terminations	13	0	2	3	12
Recognition of operating lease liabilities, other than through bank acquisition, net of terminations	13	0	2	3	12
Transfer of loans from held for investment to held for sale	0	20	0	0	—
Transfer from loans to OREO	1	953,000	0	0	0
Transfer from bank premises to OREO	425,000	883,000	6	2	3

Filings

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Frequently asked questions

What is SEACOAST BANKING CORP OF FLORIDA's CIK number?

SEACOAST BANKING CORP OF FLORIDA's SEC CIK number is 0000730708 (730708). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find SEACOAST BANKING CORP OF FLORIDA's SEC filings?

All of SEACOAST BANKING CORP OF FLORIDA's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did SEACOAST BANKING CORP OF FLORIDA last report earnings?

SEACOAST BANKING CORP OF FLORIDA (SBCF) most recently filed an earnings 8-K with the SEC on Apr 28, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001628280-26-027918). This is SEACOAST BANKING CORP OF FLORIDA's most recent earnings filing of record — not a forecast of its next earnings date.

What is SEACOAST BANKING CORP OF FLORIDA's most recent earnings 8-K?

SEACOAST BANKING CORP OF FLORIDA's latest earnings 8-K (Item 2.02) was filed Apr 28, 2026 under accession 0001628280-26-027918. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

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