SBCF SEACOAST BANKING CORP OF FLORIDA
FY2025 10-K
SEACOAST BANKING CORP OF FLORIDA (SBCF) filed its fiscal year 2025 10-K annual report with the SEC on Feb 27, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business model: Regional bank providing commercial and consumer banking services with emphasis on lending and deposit products
- • New segment emphasis: Initiated dividends on convertible preferred stock starting Q4 2025 alongside ongoing common stock dividends since 2021
Management Discussion & Analysis
- • Revenue $653 million total net interest ($553.5M + $99.2M noninterest), net interest income up 28% YoY ($121.5M increase)
- • Operating margin: net interest margin 3.58% vs 3.24% in 2024, effective tax rate stable at 22.3% vs 22.4%
Risk Factors
- • Regulatory risk from Concentrations in CRE loans at 216% of consolidated risk-based capital, below 300% regulatory limit but elevated exposure in Florida market
- • Macroeconomic risk from $723.9 million construction & land development loans reliant on property sale/refinancing cash flows
Financial SummaryXBRL
Revenue
$836M
Net Income
$145M
Net Margin
17.3%
ROE
5.3%
Total Assets
$20.8B
EPS (Diluted)
$1.57
Operating Cash Flow
$188M
Source: XBRL data from SEACOAST BANKING CORP OF FLORIDA FY2025 10-K filing on SEC EDGAR. All figures in USD.
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