The earnings call highlighted significant achievements, including a substantial increase in net income, successful acquisitions, and strong credit quality. While there are challenges in loan pricing due to competition and a seasonal decline in deposits, the overall financial performance and strategic progress are positive.

Company Guidance -

Q3 2025

During the Seacoast Banking Corporation's Second Quarter 2025 Earnings Conference Call, the company provided robust guidance reflecting strong financial performance and strategic progress. The quarter saw a significant 36% increase in net income from the previous quarter, attributed to a 10 basis point expansion in the net interest margin, resulting from solid loan growth and effective deposit cost management. The company reported a net income of $42.7 million or $0.50 per share, with adjusted net income rising 39% to $44.5 million or $0.52 per share. Key metrics included a return on assets of 1.08%, a return on tangible common equity of 12.8%, and a 55% efficiency ratio. The bank's capital position remained strong, with a Tier 1 capital ratio of 14.6% and a ratio of tangible common equity to tangible assets of 9.75%. The successful acquisition of Heartland Bancshares and the anticipated acquisition of Villages Bank Corporation are expected to enhance profitability, with the latter adding approximately $4.1 billion in assets. Asset quality remained sound, with nonperforming loans at 0.61% of total loans and net charge-offs at $2.5 million. The company expects continued mid- to high single-digit organic loan growth and a core net interest margin of approximately 3.35% by year-end, inclusive of expected rate cuts.

Substantial Increase in Net Income

Net income increased by 36% from the prior quarter, driven by a 10 basis point expansion in the net interest margin and robust loan growth.

Successful Acquisition Closures

Closed Heartland Bancshares transaction and on track to close Villages Bank Corporation acquisition in the fourth quarter, expected to enhance profitability.

Improvement in Credit Quality

Nonperforming loans declined to 0.61% of total loans, and net charge-offs were just $2.5 million, indicating sound asset quality.

Strong Loan and Deposit Growth

Annualized loan growth reached 6.4%, supported by a strong commercial pipeline. Deposit costs declined from 1.93% to 1.8%.

Significant Increase in Adjusted Net Income

Adjusted net income increased by 39% sequentially to $44.5 million, or $0.52 per share.

Strong Capital Position

Tangible book value per share increased by 12% year-over-year to $17.19, and Tier 1 capital ratio is 14.6%.

Improved Efficiency Ratio

Excluding merger-related charges, the efficiency ratio improved to 55%.

Seacoast Banking Of Florida (SBCF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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SBCF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	0.45 / -	0.36	―	―	―
Jul 11, 2025	2025 (Q2)	0.42 / 0.52	0.36	44.44% (+0.16)	―	―
Apr 24, 2025	2025 (Q1)	0.40 / 0.38	0.37	2.70% (+0.01)
Jan 27, 2025	2024 (Q4)	0.34 / 0.48	0.43	11.63% (+0.05)
Oct 24, 2024	2024 (Q3)	0.36 / 0.36	0.46	-21.74% (-0.10)
Jul 25, 2024	2024 (Q2)	0.34 / 0.36	0.58	-37.93% (-0.22)
Apr 25, 2024	2024 (Q1)	0.35 / 0.37	0.36	2.78% (+0.01)
Jan 25, 2024	2023 (Q4)	0.40 / 0.43	0.56	-23.21% (-0.13)
Oct 26, 2023	2023 (Q3)	0.40 / 0.46	0.53	-13.21% (-0.07)
Jul 27, 2023	2023 (Q2)	0.52 / 0.58	0.59	-1.69% (-0.01)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

SBCF Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 11, 2025	$29.29	$29.49	+0.68%
Apr 24, 2025	$23.70	$23.56	-0.59%
Jan 27, 2025	$26.82	$27.99	+4.36%
Oct 24, 2024	$26.52	$25.80	-2.71%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Seacoast Banking Corporation Of Florida (SBCF) report earnings?

Seacoast Banking Corporation Of Florida (SBCF) is schdueled to report earning on Oct 23, 2025, After Close (Confirmed).

What is Seacoast Banking Corporation Of Florida (SBCF) earnings time?

Seacoast Banking Corporation Of Florida (SBCF) earnings time is at Oct 23, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is SBCF EPS forecast?

SBCF EPS forecast for the fiscal quarter 2025 (Q3) is 0.45.

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