Seacoast Banking
Florida-centered commercial and consumer bank with wealth, mortgage, and insurance services.
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Profile
Provides commercial and consumer banking, mortgage lending, wealth management, and insurance through a branch-and-digital network centered on Florida and extending into Georgia. Interest on loans is the core earnings engine, with substantial exposure to commercial and residential real estate and smaller fee streams from deposits, advisory, mortgage, and insurance services.
Provides commercial and consumer banking, mortgage lending, wealth management, and insurance through Seacoast National Bank, mobile and online channels, and a full-service branch network across Florida and Georgia. Deposit funding and interest earned on commercial, commercial real estate, residential real estate, and consumer loans drive the core economics, while deposit service charges and advisory, mortgage, and insurance fees add smaller revenue streams.
Builds relationships through local bankers and local credit decisions, pairing branch coverage with digital access. Organic expansion and opportunistic bank acquisitions have broadened a Florida-centered franchise into Georgia, and the Heartland and Villages integrations are complete. The loan book remains concentrated in commercial and residential real estate collateral, especially in Florida, while capital, consumer-protection, deposit-insurance, and merger-approval requirements constrain operations.
Company facts
Categories
Key statistics
Year to date +8.7% · Average volume (30d) 934.5K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Jul 30, 2026 | Piper Sandler | Reiterate | Neutral | $34 | $35.50 |
| Jun 22, 2026 | Piper Sandler | Reiterate | Neutral | $32.50 | $34 |
| Apr 30, 2026 | Piper Sandler | Reiterate | Neutral | $33.50 | $32.50 |
| Nov 3, 2025 | Piper Sandler | Target | $33.50 | ||
| Oct 7, 2025 | Raymond James | Target | $31 | $33 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 28, 2026Q2 FY26 | $0.60 | $0.61 | +1.3% | $209.8M | $210.0M | +0.1% | +1.34% |
| Apr 28, 2026Q1 FY26 | $0.58 | $0.62 | +6.9% | $205.5M | $205.1M | −0.2% | −1.42% |
| Jan 29, 2026Q4 FY25 | $0.51 | $0.44 | −13.7% | $201.2M | $204.8M | +1.8% | −1.99% |
| Oct 27, 2025Q3 FY25 | $0.46 | $0.52 | +13.5% | $154.7M | $157.3M | +1.6% | −1.11% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $206.4M | $217.9M | $226.5M | $247.6M | $220.8M | $255.6M | |
| Gross profit | $131.3M | $146.9M | $148.8M | $136.9M | $145.8M | $180.4M | |
| Operating income | $40.9M | $55.3M | $46.9M | $43.5M | $40.9M | $48.3M | |
| Net income | $31.5M | $42.7M | $36.5M | $34.3M | $31.9M | $59.5M | |
| Diluted EPS | $0.37 | $0.50 | $0.42 | $0.29 | $0.29 | $0.55 | |
| Gross margin | 63.6% | 67.4% | 65.7% | 55.3% | 66.0% | 70.6% | |
| Operating margin | 19.8% | 25.4% | 20.7% | 17.5% | 18.5% | 18.9% |
Fiscal years (4-quarter sums)FY21 $355.0M · FY22 $446.6M · FY23 $768.1M · FY24 $809.0M · FY25 $898.5M
Balance sheet, Jun 30, 2026Cash & short-term investments $5.37B · Total debt $1.32B · Total assets $21.36B · Shareholders' equity $3.07B
Dividends
Raised for 4 straight years — most recently to $0.19 from $0.18 in Dec 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 15, 2026 | Jun 15 | Jun 30 | $0.19 | |
| Mar 13, 2026 | Mar 13 | Mar 31 | $0.19 | |
| Dec 15, 2025 | Dec 15 | Dec 31 | $0.19 | raised from $0.18 |
| Sep 15, 2025 | Sep 15 | Sep 30 | $0.18 | |
| Jun 13, 2025 | Jun 13 | Jun 30 | $0.18 | |
| Mar 14, 2025 | Mar 14 | Mar 31 | $0.18 | |
| Dec 13, 2024 | Dec 13 | Dec 31 | $0.18 | |
| Sep 13, 2024 | Sep 13 | Sep 30 | $0.18 |
Ownership
Shares outstanding 97.25M · Float 88.58M · 91.1% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 13.98M | 14.37% | 13F | Aug 7, 2026 |
| State Street Corp | 5.54M | 5.70% | 13F | Aug 7, 2026 |
| North Reef Capital Management LP | 4.78M | 4.91% | 13F | Aug 14, 2026 |
| Wellington Management Group LLP | 4.48M | 4.61% | 13F | Aug 14, 2026 |
| Vanguard Capital Management LLC | 4.36M | 4.48% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 27, 2026 | Juliette Kleffel | officer: EVP, Chief Operating Officer | −14,831 | $34.31 |
| Jul 1, 2026 | Dennis S. Iii Hudson | director | −4,000 | $34.00 |
| Jun 16, 2026 | Dennis S. Iii Hudson | director | −8,000 | $31.41 |
| May 6, 2026 | James C. Iii Stallings | officer: EVP, Chief Credit Officer | −7,552 | $31.16 |
| May 4, 2026 | Charles M. Shaffer | director, officer: Chairman, President & CEO | −10,367 | $30.88 |
Peers
- SouthState
Largest Florida-rooted Southeast regional, statewide deposit and CRE overlap
- BankUnited
Florida-HQ commercial bank dominating South Florida deposits and C&I lending.
- Amerant Bancorp
Coral Gables South Florida community bank, affluent and Latin American niche
- Ameris Bancorp
Atlanta Southeast community bank roll-up, Jacksonville / Florida franchise
- Hancock Whitney
Gulf Coast regional, FL Panhandle stronghold and pending Tampa / Orlando push
- ServisFirst Bancshares
Alabama-HQ high-performance commercial bank with Florida full-service offices.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Seacoast Banking | $34.37 | 0.00% | $3.34B | 22.2 | 12.9 | 3.5 | +38.7% |
| SouthState | $105.98 | +0.00% | $10.28B | 11.1 | 10.8 | 3.2 | +1.2% |
| BankUnited | $46.39 | −0.01% | $3.37B | 13.0 | 10.9 | 1.8 | +3.9% |
| Amerant Bancorp | $28.84 | −0.05% | $1.13B | 20.8 | 11.3 | 2.0 | −7.2% |
| Ameris Bancorp | $85.59 | +0.06% | $5.76B | 15.5 | 12.6 | 3.4 | +5.7% |
| Hancock Whitney | $75.07 | −0.03% | $6.09B | 14.7 | 10.8 | 3.1 | +7.8% |
| ServisFirst Bancshares | $43.20 | −0.07% | $4.72B | 14.7 | 12.6 | 4.6 | +27.6% |
| Median | 14.7 | 11.1 | 3.1 | +4.8% |