Financial health
- The company holds more cash ($389M) than total debt ($113M).
SBCF Financials Seacoast Banking Corp Of Florida
15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | — | $145M | — | — | 5.3% | 0.7% | — | $113M | $389M |
| 2024 | — | $121M | — | — | 5.5% | 0.8% | — | $107M | $477M |
| 2023 | — | $104M | — | — | 4.9% | 0.7% | — | $106M | $447M |
| 2022 | — | $107M | — | — | 6.6% | 0.9% | — | $85M | $202M |
| 2021 | — | $124M | — | — | 9.5% | 1.3% | — | — | $738M |
| 2020 | — | $78M | — | — | 6.9% | 0.9% | — | — | $404M |
| 2019 | — | $99M | — | — | 10.0% | 1.4% | — | — | $125M |
| 2018 | — | $67M | — | — | 7.8% | 1.0% | — | — | $116M |
| 2017 | — | $43M | — | — | 6.2% | 0.7% | — | — | $110M |
| 2016 | — | $29M | — | — | 6.7% | 0.6% | — | — | $110M |
| 2015 | — | $22M | — | — | 6.3% | 0.6% | — | — | $136M |
| 2014 | — | $6M | — | — | 1.8% | 0.2% | — | — | $101M |
| 2013 | — | $52M | — | — | 26.2% | 2.3% | — | — | $192M |
| 2012 | — | -$710000 | — | — | -0.4% | -0.0% | — | — | $175M |
| 2011 | — | $7M | — | — | 3.9% | 0.3% | — | — | $167M |
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | — | $60M | — | — | 2.2% | 0.3% | — | $113M | $430M |
| Mar '26 | — | $32M | — | — | 1.2% | 0.2% | — | $113M | $808M |
| Dec '25 | — | $34M | — | — | 1.3% | 0.2% | — | $113M | $389M |
| Sep '25 | — | $36M | — | — | 1.5% | 0.2% | — | $107M | $306M |
| Jun '25 | — | $43M | — | — | 1.9% | 0.3% | — | $107M | $332M |
| Mar '25 | — | $31M | — | — | 1.4% | 0.2% | — | $107M | $501M |
| Dec '24 | — | $34M | — | — | 1.6% | 0.2% | — | $107M | $477M |
| Sep '24 | — | $31M | — | — | 1.4% | 0.2% | — | $107M | $637M |
| Jun '24 | — | $30M | — | — | 1.4% | 0.2% | — | $107M | $750M |
| Mar '24 | — | $26M | — | — | 1.2% | 0.2% | — | $106M | $683M |
| Dec '23 | — | $30M | — | — | 1.4% | 0.2% | — | $106M | $447M |
| Sep '23 | — | $31M | — | — | 1.5% | 0.2% | — | — | $696M |
| Jun '23 | — | $31M | — | — | 1.5% | 0.2% | — | — | $728M |
| Mar '23 | — | $12M | — | — | 0.6% | 0.1% | — | — | $791M |
| Dec '22 | — | $24M | — | — | 1.5% | 0.2% | — | $85M | $202M |
| Sep '22 | — | $29M | — | — | 2.3% | 0.3% | — | — | $219M |
| Jun '22 | — | $33M | — | — | 2.5% | 0.3% | — | — | $901M |
| Mar '22 | — | $21M | — | — | 1.5% | 0.2% | — | — | $1.2B |
| Dec '21 | — | $36M | — | — | 2.8% | 0.4% | — | — | $738M |
| Sep '21 | — | $23M | — | — | 1.8% | 0.2% | — | — | $1.2B |
Valuation over time
How the market has priced SBCF against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has risen from 21.5× (Mar '23) to 23.0× (Sep '26).
P/E
Frequently asked questions
Is SBCF growing its revenue and profit?
See the revenue and net-income charts above for Seacoast Banking Corp Of Florida's multi-year trend.
How much debt does SBCF have?
As of FY2025, Seacoast Banking Corp Of Florida reported $113M of total debt against $389M of cash.
What is SBCF's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is SBCF's P/E ratio?
As of Sep '26, Seacoast Banking Corp Of Florida traded at a price-to-earnings ratio of about 23.0× (market cap ÷ latest annual net income). The valuation charts above show how its P/E have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.