SEACOAST BANKING CORP OF FLORIDA financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data SEACOAST BANKING CORP OF FLORIDA files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Interest expense	8.47	15.3	29.9	46.2	24.3	8.22	14.3	201
Pre-tax income	44.1	79.2	87.5	129	101	159	138	134	156	187
Income tax	14.9	36.3	20.3	29.9	22.8	34.3	31.6	30.2	34.9	41.6
Net income	29.2	42.9	67.3	98.7	77.8	124	107	104	121	145
EPS, basic	0.79	1.01	1.40	1.92	1.45	2.20	1.67	1.24	1.43	1.59
EPS, diluted	0.78	0.99	1.38	1.90	1.44	2.18	1.66	1.23	1.42	1.57
Shares, basic (weighted)	36.9	42.6	48	51.4	53.5	56.6	63.7	83.8	84.4	88.3
Shares, diluted (weighted)	37.5	43.4	48.7	52	53.9	57.1	64.3	84.3	85	89.1
Dividend per share						0.39	0.64	0.71	0.72	0.73

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	110	110	116	125	404	738	202	447	477	389
Property, plant and equipment	58.7	66.9	71	66.6	75.1	72.4	117	113	108	160
Lease right-of-use assets				26.2	25.5	35.3	47.5	46.8	40.9	57.9
Goodwill	64.6	148	205	205	221	252	480	732	732	1,035
Intangible assets	14.6	19.1	26	20.1	16.7	14.8	75.5	95.6	71.7	196
Other non-current assets	83.6	117	128	142	162	202	280
Total assets	4,681	5,810	6,748	7,109	8,342	9,681	12,146	14,580	15,176	20,842
Long-term debt							84.5	106
Other non-current liabilities	32.8	30.1	41	65.9	88.5	110	150
Total liabilities	4,246	5,120	5,883	6,123	7,212	8,371	10,538	12,472	12,993	17,787
Total debt	415	211	380				84.5	106	107	113
Paid-in capital	454	662	779	786	856	964	1,378	1,809	1,825	2,198
Retained earnings	-13.7	29.9	97.1	196	257	359	424	467	527	604
Treasury stock	-1.24	-2.36	-3.38	-6.03	-8.29	-10.6	-13	-16.7	-19.1	-21.4
Other comprehensive income	-7.51	-4.22	-13.1	4.47	20.4	-6.99	-188	-160	-158	-77.2
Shareholders' equity	435	690	864	986	1,130	1,311	1,608	2,108	2,183	2,713
Total equity	435	690	864	986	1,130	1,311	1,608	2,108	2,183	2,713
Total liabilities and equity	4,681	5,810	6,748	7,109	8,342	9,681	12,146	14,580	15,176	20,842
Shares outstanding	38	46.9	51.4	51.5	55.2	58.5	71.6	84.9	85.6	97.9

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	29.2	42.9	67.3	98.7	77.8	124	107	104	121	145
Depreciation and amortization	5.08	5.61	6.35	6.42	6.02	5.48	6.12	8.25	8.61	9.74
Stock-based compensation	4.15	5.27	7.82	7.24	7.3	8.69	11.2	13.4	13.7	15.7
Deferred income tax	14.2	35.8	0.46	6.79	-4.93	3.84	-10.4	9.44	9.55	12
Cash from operations	62	48.9	130	118	60.7	155	196	151	180	188
Purchases of investments	-298	-372	-105	-309	-830	-1,145	-694	-101	-994	-2,258
Sales and maturities of investments	128	211	141	102	304	546	271	220	383	538
Cash from investing	-512	-246	-175	-321	-343	-413	-365	527	-607	-707
Stock issued	0	55.6	0	0
Share buybacks						0	0	-10.9	-0.88	0
Cash from financing	423	197	51.4	212	561	592	-367	-433	456	431
Net change in cash	-26.4	-0.14	6.45	8.58	280	334	-536	245	29.4	-88.1
Interest paid	7.86	15.1	28.3	46.1	23.5	9.98	13.7	191	287	278
Income taxes paid	0.7	0.4	13.2	16	27.7	30.9	29.6	-5.92	18.5

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $33.03 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Effective tax rate	21.8%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	5.9%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	0.8%	Net income / average total assets.

Growth

Metric	Value	How it is calculated
Net income growth, 1y	19.7%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	10.8%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	13.3%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	10.6%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	-1.8%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	1.7%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	4.5%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	-1.3%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	25.4%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Dividend per share growth, 1y	1.4%	Dividend per share vs the same period a year earlier. Only from a positive base.
Dividend per share CAGR, 3y	4.5%	Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value growth, 1y	24.2%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	19.0%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	19.1%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	37.3%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	19.7%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	20.1%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	4.8%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	11.5%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	10.6%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Debt / equity	0.04x	Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets	0.5%	Total debt / total assets.
Liabilities / assets	85.6%	Total liabilities / total assets.
Net debt	-$317.0M	Total debt - cash - short-term investments. Negative means more cash than debt.
Goodwill and intangibles / assets	5.7%	(Goodwill + intangible assets) / total assets.
Tangible book value	$1.52B	Shareholders' equity - goodwill - intangible assets.

Per share

Metric	Value	How it is calculated
EPS, diluted	$1.67	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Operating cash flow per share	$2.24	Cash from operations / diluted weighted shares.
Book value per share	$28.20	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$15.71	Tangible book value / shares outstanding.
Cash per share	$4.44	(Cash + short-term investments) / shares outstanding.

Valuation

Metric	Value	How it is calculated
Market cap	$3.20B	Share price x shares outstanding.
Enterprise value	$2.88B	Market cap + total debt - cash - short-term investments.
P/E	19.7x	Market cap / net income. Only when net income is positive.
P/B	1.17x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	2.10x	Market cap / tangible book value, when positive.
P/OCF	14.7x	Market cap / cash from operations, when positive.
Earnings yield	5.1%	Net income / market cap (the inverse of P/E).
Shareholder yield	1.0%	(Dividends paid + share buybacks) / market cap.

Was SEACOAST BANKING CORP OF FLORIDA profitable in fiscal 2025?

Yes. Net income was $144.9M, a net margin of -.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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