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Seacoast Banking of Florida
Seacoast Banking of Florida (SBCF) investor relations material
Seacoast Banking of Florida Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Completed the transformative Villages Bancorporation, Inc. (VBI) acquisition, adding $4.4 billion in assets, $1.2 billion in loans, $3.5 billion in deposits, and 19 branches, with full system conversion expected by Q3 2026.
Achieved industry-leading loan growth, robust non-interest income, and well-managed expenses, with 15% annualized organic loan growth in Q4 2025 and new branches in Bradenton, FL and Atlanta, GA.
Net income for Q4 2025 was $34.3 million, including $18.1 million in merger/integration costs and $23.4 million in day-one credit provisions from the VBI acquisition; adjusted net income was $47.7 million.
Maintained a fortress balance sheet and strong capital and liquidity positions, supporting continued growth and flexibility.
Expanded presence in key Southeast markets, benefiting from industry-wide merger disruption and hiring opportunities.
Financial highlights
Adjusted net income rose 18% year-over-year to $47.7 million in Q4, excluding merger-related charges.
Pre-tax, pre-provision earnings increased 39% sequentially and 65% year-over-year to $93.2 million.
Net interest income reached $176.2 million, up 32% from the prior quarter and 51% year-over-year; net interest margin (NIM) increased to 3.66%, or 3.44% excluding accretion.
Non-interest income grew 20% sequentially to $28.6 million, with wealth management and mortgage banking income up significantly.
Efficiency ratio improved to 54.5% on an adjusted basis.
Outlook and guidance
2026 EPS guidance: $2.48–$2.52; adjusted ROA expected above 1.30% and ROTE around 16% post-Villages conversion.
Projected adjusted revenue growth of 29%-31% for 2026, with high single-digit loan growth and low- to mid-single-digit deposit growth expected.
Adjusted efficiency ratio targeted at 53%-55% for 2026.
Management expects enhanced shareholder returns in the second half of 2026, supported by integration of recent acquisitions and ongoing organic growth.
Assumes 25 bps rate cuts in June and September 2026 and a stable economic environment.
VBI's low loan-to-deposit ratio: growth opportunity
Yield improvement from Jan 2026 securities sale
2025 organic AUM growth
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Next Seacoast Banking of Florida earnings date
Q1 202624 Apr, 2026
Seacoast Banking of Florida
Next Seacoast Banking of Florida earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides financial services to retail and commercial customers in Florida. It offers traditional banking services focusing on commercial and retail banking, wealth management, and treasury management solutions; deposit accounts, such as checking, money market, interest-bearing negotiable order of withdrawal, savings, and certificates of deposit accounts; lending products comprising residential mortgage, commercial real estate construction, commercial business, and consumer loans; treasury management services; online banking services; automated voice response telephone system; debit cards and credit cards; remote deposit capture service; and retirement planning advisory.
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