Seacoast Banking Corporation of Florida SBCF · USD
Financials · US listing · 🇺🇸 United States
34.12
+1.73%
Close of 9 Nov 2026, in USD
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About Seacoast Banking Corporation of Florida
From its filings with the US Securities and Exchange Commission
Seacoast Banking Corporation of Florida is based in Stuart, Florida and is incorporated in Florida. Its shares trade on Nasdaq under the ticker SBCF. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported net income of $144.9m. At that date it held total assets of $20.84bn and shareholders' equity of $2.71bn.
Seacoast Banking Corporation of Florida (“Seacoast” or the “Company”) is a financial holding company, incorporated in Florida in 1983, and registered under the Bank Holding Company Act of 1956, as amended (the “BHC Act”). Its principal subsidiary is Seacoast National Bank, a wholly-owned national banking association (“Seacoast Bank”) chartered in 1926. As of December 31, 2025, Seacoast had total consolidated assets of $20.8 billion, total deposits of $16.3 billion, total consolidated liabilities, including deposits, of $17.8 billion, consolidated convertible preferred stock of $0.3 billion, and consolidated shareholders’ equity of $2.7 billion.
Seacoast Bank is one of the largest banks headquartered in Florida, with an expanding presence in the state's fastest growing markets, each of which has unique characteristics and opportunities. This growth has been achieved through a balanced strategy consisting of organic growth and opportunistic acquisitions. The Company provides integrated financial services including commercial and consumer banking, wealth management, mortgage and insurance services to customers through advanced mobile and online banking solutions, and through Seacoast Bank's network of 104 full-service branches.
Quoted from its 10-K, filed 27 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 3 Feb 1984
- Employees
- 1,962
- Website
- seacoastbank.com ↗
- Head office
- 815 COLORADO AVE, STUART, FL, 34994
- Incorporated in
- FL
- Classification
- State Commercial Banks
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. Charles ShafferChairman of the Board, President, Chief Executive Officer, since 2017$3.9m
- Ms. Tracey DexterChief Financial Officer, Executive Vice President$1.4m
- Ms. Juliette KleffelChief Operating Officer, Executive Vice President$1.6m
- Mr. Austen CarrollExecutive Vice President, Chief Lending Officer$1.5m
- Mr. Joseph ForlenzaExecutive Vice President, Chief Risk Officer$1.3m
- Mr. Christopher FogalLead Independent Director$167,508
- Mr. Eduardo ArriolaDirector$113,758
- Mr. Dennis HudsonDirector, since 1984$157,508
- Mr. Joseph ShearouseDirector$132,508
- Mr. Dennis ArczynskiIndependent Director$157,508
- Ms. Jacqueline BradleyIndependent Director$157,508
- Mr. Hugh CulbrethIndependent Director$132,508
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 38
- Environment
- 15
- Social
- 68
- Governance
- 30
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Seacoast Banking Corporation of Florida has several key strengths that contribute to its success in the market. Firstly, the company boasts a strong financial position, with healthy profits and sustainable revenue growth. This allows for investment in expansion and innovation, further strengthening its competitive advantage.
- Secondly, Seacoast Banking Corporation of Florida has a well-established and reputable brand presence in the financial industry. Its commitment to delivering excellent customer service and personalized banking solutions has earned it a loyal customer base.
- Additionally, the company benefits from a diversified product portfolio, offering a wide range of banking services, including savings and checking accounts, loans, mortgages, and wealth management solutions. This diversification helps mitigate risks associated with changes in market conditions and provides multiple revenue streams.
- Lastly, Seacoast Banking Corporation of Florida has a dedicated and experienced workforce. Its team of professionals possesses deep industry knowledge and expertise, allowing for efficient operations and strategic decision-making.
Weaknesses
- Despite its strengths, Seacoast Banking Corporation of Florida also faces certain weaknesses that can hinder its performance. One significant weakness is its limited geographic reach, primarily operating within the state of Florida. This limits its potential for market expansion and exposes it to localized economic fluctuations.
- Another weakness lies in the company's heavy dependence on traditional banking channels, with relatively less focus on digital banking solutions. In an era of increasing digitalization, this can pose challenges in terms of attracting tech-savvy customers and adapting to changing customer preferences.
- Additionally, Seacoast Banking Corporation of Florida may face difficulties in managing and integrating potential acquisitions, which could impact its overall growth strategy.
Opportunities
- Seacoast Banking Corporation of Florida has several opportunities to capitalize on. Firstly, the company can leverage technology and innovation to enhance its digital banking offerings, targeting a younger demographic seeking convenience and user-friendly experiences. This could lead to increased customer acquisition and retention.
- Moreover, there is potential for geographic expansion beyond Florida, tapping into new markets and diversifying its customer base. By adapting its products and services to meet the specific needs of different regions, Seacoast Banking Corporation of Florida can capture untapped growth opportunities.
- Furthermore, the company can explore strategic partnerships and collaborations with fintech firms to leverage their expertise and gain a competitive edge. This could involve joint product developments, improved technological infrastructure, or exploring new customer acquisition channels.
Threats
- Seacoast Banking Corporation of Florida faces several threats that could hinder its growth and profitability. Firstly, increased competition within the financial industry poses a significant challenge. Peer banks and emerging fintech startups can encroach on the company's market share and disrupt traditional banking models.
- Additionally, economic downturns and fluctuations in interest rates can adversely affect the company's loan portfolio quality, profitability, and overall financial performance. As a result, Seacoast Banking Corporation of Florida needs to implement robust risk management practices to mitigate these potential risks.
- Moreover, regulatory changes and compliance requirements can pose challenges and increase operational costs for the company. Staying up-to-date with evolving regulations and ensuring strict adherence is crucial to avoid penalties and maintain a good reputation in the market.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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