Seacoast Banking Corp of Florida (SBCF) Financials
Key financial figures for Seacoast Banking Corp of Florida (Q3 2026).
Seacoast earned $0.55 per diluted share (adjusted $0.66) on 13% annualized organic loan growth, with the VBI integration complete and the full-year adjusted EPS outlook of $2.48-$2.52 unchanged from the Q2 deck. GAAP net income was $59.9M, or $0.55 per diluted share, flat on the prior quarter's $0.55 and up from $0.42 a year earlier. Adjusted net income was $71.8M, or $0.66 per share, versus $0.61 in Q2 2026 and $0.52 in Q3 2025. GAAP net interest income was $183.4M, up 2% from Q2 and 37% from Q3 2025 (the year-ago quarter did not include Villages Bancorporation). Net interest margin held at 3.83% on a fully taxable equivalent basis; excluding accretion on acquired loans it expanded one basis point to 3.66%. On the outlook: Per the company's Q3 2026 earnings presentation (filed with the release), the 2026 outlook is unchanged from the Q2 deck: adjusted revenue growth of 28%-31% on a fully taxable equivalent basis, an adjusted efficiency ratio of 53%-55%, adjusted diluted EPS of $2.48-$2.52, high single digit organic loan growth and low to mid single digit organic deposit growth, with a fourth-quarter 2026 outlook of 1.30% adjusted ROA and 16.0% adjusted ROTE. Figures are for Q3 2026, as Seacoast Banking Corporation of Florida reported them.
- Revenue
- $294M
- Net Income
- $60M
- EPS
- $0.56
- Total Assets
- $21.2B
- Operating Cash Flow
- $139M
Recent quarters
| Period | Revenue | Net Income | EPS | Operating Margin | Free Cash Flow |
|---|---|---|---|---|---|
| Q3 FY2026 | $294M | $60M | $0.55 | $138M | |
| Q2 FY2026 | $256M | $60M | $0.55 | $57M | |
| Q1 FY2026 | $221M | $32M | $0.29 | $70M | |
| Q4 FY2025 | $248M | $34M | $0.29 | $52M | |
| Q3 FY2025 | $227M | $36M | $0.42 | $28M |
Recent fiscal years
| Period | Revenue | Net Income | EPS | Operating Margin | Free Cash Flow |
|---|---|---|---|---|---|
| FY2025 | $870M | $145M | $1.57 | $179M | |
| FY2024 | $809M | $121M | $1.42 | $176M | |
| FY2023 | $768M | $104M | $1.23 | $140M |
Frequently asked questions
What was Seacoast Banking Corporation of Florida's revenue last quarter?
Seacoast Banking Corporation of Florida reported revenue of $294.2 million for Q3 FY2026, up 29.9% from the same period a year earlier.
Is Seacoast Banking Corporation of Florida profitable?
Yes. Seacoast Banking Corporation of Florida reported net income of $59.9 million for Q3 FY2026, a net margin of 20.35% on revenue.
How much free cash flow did Seacoast Banking Corporation of Florida generate?
Seacoast Banking Corporation of Florida generated free cash flow of $137.8 million in Q3 FY2026, after capital expenditure.
Full income statement, balance sheet and cash flow for Seacoast Banking Corp of Florida on SentiSense, with up to forty quarters and twenty fiscal years of history.