What is Seacoast Bkg Corp Fla's earnings per share (EPS)?

Seacoast Bkg Corp Fla (SBCF) reported diluted earnings per share of $1.57 for fiscal year 2025. This represents a 10.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Seacoast Bkg Corp Fla Financials

SBCF

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Seacoast Bkg Corp Fla (SBCF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI SBCF FY2025 2026-05-06

Balance-sheet expansion is lifting revenue and profit dollars, but asset productivity has stayed essentially flat.

Total assets expanded from $14.6B in FY2023 to $20.8B in FY2025. ROA stayed near 0.7%, so the company earned more dollars in absolute terms without improving profit per dollar of balance sheet.

Operating cash flow reached $188M in FY2025 and has exceeded net income in each of the last five years, which points to earnings quality that is backed by cash rather than relying mainly on accounting accruals. For a balance-sheet-heavy business, that consistency matters because reported profit can look healthy even when funding movements are doing the real work.

Goodwill at $1.03B now exceeds retained earnings of $604M, which means a meaningful slice of book value reflects premiums paid in past deals rather than profits accumulated over time. Net margin improved from 15.1% in FY2023 to 17.3% in FY2025, yet ROE was only 5.3%, showing that recovery in profitability has not translated into stronger returns on shareholder capital.

Financial Health Signals

Financial Profile 29/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Seacoast Bkg Corp Fla's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Seacoast Bkg Corp Fla's revenue surged 15.3% year-over-year to $836.4M, reflecting rapid business expansion. This strong growth earns a score of 50/100.

Leverage

100

Seacoast Bkg Corp Fla carries a low D/E ratio of 0.04, meaning only $0.04 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Returns

Seacoast Bkg Corp Fla generates a 5.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 23/100. This is down from 5.5% the prior year.

Piotroski F-Score Neutral

4/9

Seacoast Bkg Corp Fla passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.30x

For every $1 of reported earnings, Seacoast Bkg Corp Fla generates $1.30 in operating cash flow ($188.1M OCF vs $144.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$836.4M

YoY+15.3%

5Y CAGR+23.8%

10Y CAGR+21.8%

Seacoast Bkg Corp Fla generated $836.4M in revenue in fiscal year 2025. This represents an increase of 15.3% from the prior year.

EBITDA

N/A

Net Income

$144.9M

YoY+19.7%

5Y CAGR+13.3%

10Y CAGR+20.7%

Seacoast Bkg Corp Fla reported $144.9M in net income in fiscal year 2025. This represents an increase of 19.7% from the prior year.

EPS (Diluted)

$1.57

YoY+10.6%

5Y CAGR+1.7%

10Y CAGR+9.1%

Seacoast Bkg Corp Fla earned $1.57 per diluted share (EPS) in fiscal year 2025. This represents an increase of 10.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$388.5M

YoY-18.5%

5Y CAGR-0.8%

10Y CAGR+11.1%

Seacoast Bkg Corp Fla held $388.5M in cash against $112.8M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.73

YoY+1.4%

Seacoast Bkg Corp Fla paid $0.73 per share in dividends in fiscal year 2025. This represents an increase of 1.4% from the prior year.

Shares Outstanding

98M

YoY+14.4%

5Y CAGR+12.1%

10Y CAGR+11.0%

Seacoast Bkg Corp Fla had 98M shares outstanding in fiscal year 2025. This represents an increase of 14.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

17.3%

YoY+0.6pp

5Y CAGR-9.8pp

10Y CAGR-1.7pp

Seacoast Bkg Corp Fla's net profit margin was 17.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.6 percentage points from the prior year.

Return on Equity

5.3%

YoY-0.2pp

5Y CAGR-1.5pp

10Y CAGR-0.9pp

Seacoast Bkg Corp Fla's ROE was 5.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

YoY-100.0%

Seacoast Bkg Corp Fla spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

N/A

SBCF Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$836.4M+15.3%	$725.6M+5.3%	$689.0M+81.1%	$380.5M+33.9%	$284.2M-1.0%	$287.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$414.9M+20.8%	$343.3M-13.2%	$395.6M+47.7%	$267.9M+35.7%	$197.4M+6.4%	$185.6M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$282.9M-3.6%	$293.6M+46.3%	$200.7M+1300.6%	$14.3M+74.4%	$8.2M-66.2%	$24.3M
Income Tax	$41.6M+19.4%	$34.9M+15.3%	$30.2M-4.5%	$31.6M-7.9%	$34.3M+50.5%	$22.8M
Net Income	$144.9M+19.7%	$121.0M+16.3%	$104.0M-2.3%	$106.5M-14.4%	$124.4M+60.0%	$77.8M
EPS (Diluted)	$1.57+10.6%	$1.42+15.4%	$1.23-25.9%	$1.66-23.9%	$2.18+51.4%	$1.44

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$250.7M-2.1%	$256.1M+26.3%	$202.7M+4.8%	$193.3M+4.9%	$184.3M-0.9%	$185.9M+1.0%	$184.1M+2.4%	$179.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$62.6M-63.2%	$170.0M+66.7%	$102.0M+11.2%	$91.7M+79.5%	$51.1M-40.3%	$85.6M+0.9%	$84.8M+2.8%	$82.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$74.2M-8.8%	$81.4M+17.6%	$69.2M+4.2%	$66.5M+1.1%	$65.7M-6.3%	$70.1M-9.5%	$77.5M+2.7%	$75.4M
Income Tax	$9.0M-1.8%	$9.2M-12.1%	$10.5M-16.9%	$12.6M+34.1%	$9.4M-1.3%	$9.5M+10.6%	$8.6M-3.4%	$8.9M
Net Income	$31.9M-6.9%	$34.3M-6.0%	$36.5M-14.6%	$42.7M+35.7%	$31.5M-7.7%	$34.1M+11.2%	$30.7M+1.3%	$30.2M
EPS (Diluted)	$0.29	N/A	$0.42-16.0%	$0.50+35.1%	$0.37	N/A	$0.360.0%	$0.36

SBCF Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$20.8B+37.3%	$15.2B+4.1%	$14.6B+20.0%	$12.1B+25.5%	$9.7B+16.1%	$8.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$388.5M-18.5%	$476.6M+6.6%	$447.2M+121.4%	$201.9M-72.6%	$737.7M+82.6%	$404.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.0B+41.3%	$732.4M0.0%	$732.4M+52.5%	$480.3M+90.5%	$252.2M+14.0%	$221.2M
Total Liabilities	$17.8B+36.9%	$13.0B+4.2%	$12.5B+18.4%	$10.5B+25.9%	$8.4B+16.1%	$7.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$112.8M+5.4%	$107.0M+0.6%	$106.3M+25.8%	$84.5M	N/A	N/A
Total Equity	$2.7B+24.2%	$2.2B+3.6%	$2.1B+31.1%	$1.6B+22.7%	$1.3B+16.0%	$1.1B
Retained Earnings	$603.8M+14.6%	$526.6M+12.7%	$467.3M+10.2%	$423.9M+18.2%	$358.6M+39.7%	$256.7M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$21.1B+1.5%	$20.8B+25.0%	$16.7B+4.6%	$15.9B+1.4%	$15.7B+3.7%	$15.2B+0.1%	$15.2B+1.4%	$15.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$808.4M+108.1%	$388.5M+27.0%	$306.0M-8.0%	$332.4M-33.6%	$500.6M+5.0%	$476.6M-25.2%	$637.1M-15.0%	$749.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.0B0.0%	$1.0B+37.1%	$754.6M+3.0%	$732.4M0.0%	$732.4M0.0%	$732.4M0.0%	$732.4M0.0%	$732.4M
Total Liabilities	$18.1B+1.7%	$17.8B+24.4%	$14.3B+4.6%	$13.7B+1.3%	$13.5B+3.9%	$13.0B+0.1%	$13.0B+1.2%	$12.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$112.8M+0.1%	$112.8M+4.9%	$107.5M+0.2%	$107.3M+0.2%	$107.1M+0.2%	$107.0M+0.2%	$106.8M+0.2%	$106.6M
Total Equity	$2.7B+0.2%	$2.7B+14.1%	$2.4B+4.7%	$2.3B+1.9%	$2.2B+2.1%	$2.2B-0.5%	$2.2B+3.0%	$2.1B
Retained Earnings	$614.9M+1.8%	$603.8M+2.3%	$590.4M+3.6%	$569.8M+5.0%	$542.7M+3.0%	$526.6M+3.7%	$508.0M+3.1%	$492.8M

SBCF Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$188.1M+4.5%	$179.9M+19.4%	$150.6M-23.1%	$195.9M+26.7%	$154.6M+154.9%	$60.7M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$706.8M-16.5%	-$606.9M-215.1%	$527.4M+244.6%	-$364.9M+11.5%	-$412.5M-20.4%	-$342.5M
Financing Cash Flow	$430.6M-5.6%	$456.4M+205.5%	-$432.8M-18.0%	-$366.8M-162.0%	$591.6M+5.4%	$561.4M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$0-100.0%	$880K-91.9%	$10.9M	$0	$0	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$71.8M+31.7%	$54.5M+80.4%	$30.2M-58.2%	$72.3M+133.3%	$31.0M-31.1%	$45.0M-15.7%	$53.4M-6.1%	$56.9M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$68.0M-51.8%	$141.1M+203.8%	$46.4M+112.2%	-$381.0M+25.8%	-$513.3M-143.7%	-$210.7M+27.9%	-$292.2M-273.4%	-$78.3M
Financing Cash Flow	$280.1M+347.7%	-$113.1M-9.7%	-$103.1M-173.4%	$140.5M-72.2%	$506.3M+9578.3%	$5.2M-95.9%	$126.4M+43.3%	$88.2M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$10.0M	$0	$0	$0	$0	$0	$0	N/A

SBCF Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	17.3%+0.6pp	16.7%+1.6pp	15.1%-12.9pp	28.0%-15.8pp	43.8%+16.7pp	27.1%
Return on Equity	5.3%-0.2pp	5.5%+0.6pp	4.9%-1.7pp	6.6%-2.9pp	9.5%+2.6pp	6.9%
Return on Assets	0.7%-0.1pp	0.8%+0.1pp	0.7%-0.2pp	0.9%-0.4pp	1.3%+0.4pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.040.0	0.050.0	0.050.0	0.05-6.3	6.390.0	6.38
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	12.7%-0.7pp	13.4%-4.6pp	18.0%-4.1pp	22.1%+5.0pp	17.1%-1.2pp	18.3%+1.7pp	16.7%-0.2pp	16.8%
Return on Equity	1.2%-0.1pp	1.3%-0.3pp	1.5%-0.4pp	1.9%+0.5pp	1.4%-0.1pp	1.6%+0.2pp	1.4%-0.0pp	1.4%
Return on Assets	0.1%-0.0pp	0.2%-0.1pp	0.2%-0.1pp	0.3%+0.1pp	0.2%-0.0pp	0.2%+0.0pp	0.2%0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.040.0	0.040.0	0.050.0	0.050.0	0.050.0	0.050.0	0.050.0	0.05
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Seacoast Bkg Corp Fla's annual revenue?

Seacoast Bkg Corp Fla (SBCF) reported $836.4M in total revenue for fiscal year 2025. This represents a 15.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Seacoast Bkg Corp Fla's revenue growing?

Seacoast Bkg Corp Fla (SBCF) revenue grew by 15.3% year-over-year, from $725.6M to $836.4M in fiscal year 2025.

Is Seacoast Bkg Corp Fla profitable?

Yes, Seacoast Bkg Corp Fla (SBCF) reported a net income of $144.9M in fiscal year 2025, with a net profit margin of 17.3%.

How much debt does Seacoast Bkg Corp Fla have?

As of fiscal year 2025, Seacoast Bkg Corp Fla (SBCF) had $388.5M in cash and equivalents against $112.8M in long-term debt.

What is Seacoast Bkg Corp Fla's net profit margin?

Seacoast Bkg Corp Fla (SBCF) had a net profit margin of 17.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Seacoast Bkg Corp Fla pay dividends?

Yes, Seacoast Bkg Corp Fla (SBCF) paid $0.73 per share in dividends during fiscal year 2025.

What is Seacoast Bkg Corp Fla's return on equity (ROE)?

Seacoast Bkg Corp Fla (SBCF) has a return on equity of 5.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Seacoast Bkg Corp Fla's operating cash flow?

Seacoast Bkg Corp Fla (SBCF) generated $188.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Seacoast Bkg Corp Fla's total assets?

Seacoast Bkg Corp Fla (SBCF) had $20.8B in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does Seacoast Bkg Corp Fla have outstanding?

Seacoast Bkg Corp Fla (SBCF) had 98M shares outstanding as of fiscal year 2025.

What is Seacoast Bkg Corp Fla's debt-to-equity ratio?

Seacoast Bkg Corp Fla (SBCF) had a debt-to-equity ratio of 0.04 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Seacoast Bkg Corp Fla's return on assets (ROA)?

Seacoast Bkg Corp Fla (SBCF) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Seacoast Bkg Corp Fla's Piotroski F-Score?

Seacoast Bkg Corp Fla (SBCF) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Seacoast Bkg Corp Fla's earnings high quality?

Seacoast Bkg Corp Fla (SBCF) has an earnings quality ratio of 1.30x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Seacoast Bkg Corp Fla?

Seacoast Bkg Corp Fla (SBCF) scores 29 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.