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Seacoast Banking Corporation of Florida SBCF Q4 2025 Annual earnings

Reported January 29, 2026 · After market close

Revenue$204.8MBeat by $3.5M
EPS$0.44Miss by $0.07
Revenue estimate$201.2M
EPS estimate$0.51

Next report

Oct 26, 2026 (in 3 months)
Revenue estimate$214.9M
EPS estimate$0.63

Financials

Q4 2025

Income statement

See full
Revenue$203.3M+53.0%
Net income$34.3M+0.5%
EPS (diluted)$0.29-27.5%

Balance sheet

See full
Cash & equivalents$388.5M-18.5%
Total debt$175.1M+15.4%
Total equity$2.7B+24.2%
Total assets$20.8B+37.3%

Cash flow

See full
Operating cash flow$54.5M+21.2%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$3.07B+30.7%
Enterprise value$2.86B+41.1%
P/E21.2×+1.8×
P/S4.7×+0.1×

Profitability

See full
Net margin22.2%-1.3pp

Returns & leverage

See full
Return on equity5.9%+0.3pp
Debt / equity0.1×0.0×

Versus estimates

Revenue

Q2 2026$210.0MBeat by $145.8KQ1 2026$205.1MMiss by $439.6K
Q4 2025$204.8MBeat by $3.5M
Q3 2025$157.3MBeat by $2.5MQ2 2025$151.4MMiss by $1.1MQ1 2025$140.7MBeat by $2.8M

Diluted EPS

Q2 2026$0.61Beat by $0.01Q1 2026$0.62Beat by $0.04
Q4 2025$0.44Miss by $0.07
Q3 2025$0.52Beat by $0.06Q2 2025$0.52Beat by $0.10Q1 2025$0.38Miss by $0.02

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Questions, answered.

When did Seacoast Banking Corporation of Florida report Q4 2025 earnings?
Seacoast Banking Corporation of Florida (SBCF) reported Q4 2025 earnings on January 29, 2026 after market close.
What were Seacoast Banking Corporation of Florida's Q4 2025 revenue and EPS?
Seacoast Banking Corporation of Florida reported revenue of $204.8M and eps of $0.44 for Q4 2025.
Did Seacoast Banking Corporation of Florida beat estimates in Q4 2025?
Revenue beat the consensus estimate of $201.2M by $3.5M. EPS missed the consensus estimate of $0.51 by $0.07.
How did Seacoast Banking Corporation of Florida's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 54.1% from $132.9M a year earlier and eps declined 8.3% from $0.48.
Where can I find Seacoast Banking Corporation of Florida's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001628280-26-004149) and the 10-K periodic report (0001628280-26-012787) directly on SEC EDGAR. The filing index links above go to sec.gov.