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Seacoast Banking of Florida Earnings Calls
| Release date | Apr 28, 2026 |
| EPS estimate | $0.580 |
| EPS actual | $0.620 |
| EPS Surprise | 6.90% |
| Revenue estimate | 205.508M |
| Revenue actual | 205.068M |
| Revenue Surprise | -0.214% |
| Release date | Jan 29, 2026 |
| EPS estimate | $0.510 |
| EPS actual | $0.440 |
| EPS Surprise | -13.73% |
| Revenue estimate | 201.245M |
| Revenue actual | 204.791M |
| Revenue Surprise | 1.76% |
| Release date | Oct 27, 2025 |
| EPS estimate | $0.458 |
| EPS actual | $0.520 |
| EPS Surprise | 13.54% |
| Revenue estimate | 154.742M |
| Revenue actual | 157.286M |
| Revenue Surprise | 1.64% |
| Release date | Jul 24, 2025 |
| EPS estimate | $0.420 |
| EPS actual | $0.520 |
| EPS Surprise | 23.81% |
| Revenue estimate | 152.454M |
| Revenue actual | 151.385M |
| Revenue Surprise | -0.701% |
Last 4 Quarters for Seacoast Banking of Florida
Below you can see how SBCF performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 24, 2025 |
| Price on release | $28.81 |
| EPS estimate | $0.420 |
| EPS actual | $0.520 |
| EPS surprise | 23.81% |
| Date | Price |
|---|---|
| Jul 18, 2025 | $29.17 |
| Jul 21, 2025 | $29.05 |
| Jul 22, 2025 | $29.10 |
| Jul 23, 2025 | $28.93 |
| Jul 24, 2025 | $28.81 |
| Jul 25, 2025 | $28.76 |
| Jul 28, 2025 | $29.21 |
| Jul 29, 2025 | $28.77 |
| Jul 30, 2025 | $28.22 |
| 4 days before | -1.23% |
| 4 days after | -2.05% |
| On release day | -0.174% |
| Change in period | -3.26% |
| Release date | Oct 27, 2025 |
| Price on release | $31.42 |
| EPS estimate | $0.458 |
| EPS actual | $0.520 |
| EPS surprise | 13.54% |
| Date | Price |
|---|---|
| Oct 21, 2025 | $30.24 |
| Oct 22, 2025 | $30.11 |
| Oct 23, 2025 | $30.12 |
| Oct 24, 2025 | $31.44 |
| Oct 27, 2025 | $31.42 |
| Oct 28, 2025 | $31.07 |
| Oct 29, 2025 | $30.85 |
| Oct 30, 2025 | $30.48 |
| Oct 31, 2025 | $30.30 |
| 4 days before | 3.90% |
| 4 days after | -3.56% |
| On release day | -1.11% |
| Change in period | 0.198% |
| Release date | Jan 29, 2026 |
| Price on release | $34.12 |
| EPS estimate | $0.510 |
| EPS actual | $0.440 |
| EPS surprise | -13.73% |
| Date | Price |
|---|---|
| Jan 23, 2026 | $33.37 |
| Jan 26, 2026 | $33.40 |
| Jan 27, 2026 | $33.64 |
| Jan 28, 2026 | $33.56 |
| Jan 29, 2026 | $34.12 |
| Jan 30, 2026 | $33.44 |
| Feb 02, 2026 | $33.39 |
| Feb 03, 2026 | $34.16 |
| Feb 04, 2026 | $34.49 |
| 4 days before | 2.25% |
| 4 days after | 1.08% |
| On release day | -1.99% |
| Change in period | 3.36% |
| Release date | Apr 28, 2026 |
| Price on release | $31.73 |
| EPS estimate | $0.580 |
| EPS actual | $0.620 |
| EPS surprise | 6.90% |
| Date | Price |
|---|---|
| Apr 22, 2026 | $32.05 |
| Apr 23, 2026 | $32.02 |
| Apr 24, 2026 | $31.25 |
| Apr 27, 2026 | $31.63 |
| Apr 28, 2026 | $31.73 |
| Apr 29, 2026 | $31.28 |
| Apr 30, 2026 | $31.47 |
| May 01, 2026 | $31.31 |
| May 04, 2026 | $30.92 |
| 4 days before | -1.00% |
| 4 days after | -2.55% |
| On release day | -1.42% |
| Change in period | -3.53% |
Seacoast Banking of Florida Earnings Call Transcript Summary of Q1 2026
Seacoast reported a strong Q1 2026 driven by deposit growth (notably noninterest-bearing balances), net interest margin expansion, and continued strength across fee businesses (wealth, insurance, treasury, mortgage). Reported net income was $31.9M ($0.29/sh) but adjusted net income—excluding a $39.5M pretax securities repositioning loss—was $67.8M ($0.62/sh), up 42% sequentially and 111% year-over-year. Net interest margin expanded to 3.83% (3.57% excluding accretion). Loans were stable in Q1 due to seasonally softer production and elevated payoffs, though the commercial pipeline exceeds $1B and management expects loan growth to return to high single digits later in the year. Asset quality remains strong (allowance 1.39% of loans, modest uptick in nonaccruals with no expected loss), and capital ratios/tangible equity remain robust (TE/TA 9.2%). They completed ~317k share repurchases and reiterated 2026 adjusted EPS guidance of $2.48–$2.52 despite fewer expected Fed cuts. Expense discipline continues (adjusted efficiency ~55%), with planned cost saves from The Villages integration phased into the back half of the year. Management is focused on executing The Villages conversion, organic growth via banker hiring, and selective Florida-focused M&A opportunities after integration.
