Q4: 2026-01-29 Earnings Summary
EPS of $0.44 misses by $0.06
| Revenue of $204.79M (44.66% Y/Y) beats by $3.55M
Seacoast Banking Corporation of Florida (SBCF) Q4 2025 Earnings Call January 30, 2026 10:00 AM EST
Company Participants
Charles Shaffer – Chairman, President & CEO
Tracey Dexter – Executive VP & CFO
Michael Young – Executive VP, Treasurer & Director of Investor Relations
Conference Call Participants
David Feaster – Raymond James & Associates, Inc., Research Division
Russell Elliott Gunther – Stephens Inc., Research Division
Stephen Scouten – Piper Sandler & Co., Research Division
David Bishop – Hovde Group, LLC, Research Division
Wood Lay – Keefe, Bruyette, & Woods, Inc., Research Division
Presentation
Operator
Welcome to Seacoast Banking Corporation’s Fourth Quarter and Full Year 2025 Earnings Conference Call. My name is Mark, and I will be your operator.
Before we begin, I have been asked to direct your attention to the statements at the end of the company’s press release regarding forward-looking statements. Seacoast will be discussing issues that constitute forward-looking statements within the meaning of the Securities and Exchange Act, and its comments today are intended to be covered within the meaning of the act. Please note that this conference is being recorded.
I will now turn the call over to Chuck Shaffer, Chairman and CEO of Seacoast Bank. Mr. Shaffer, you may begin.
Charles Shaffer
Chairman, President & CEO
All right. Thank you, Mark, and good morning, everyone. As we move through today’s presentation, we’ll reference the fourth quarter and full year earnings slide deck available at seacoastbanking.com. Joining me today are Tracey Dexter, our Chief Financial Officer; Michael Young, our Chief Strategy Officer; and James Stallings, our Chief Credit Officer. The Seacoast team delivered another exceptional quarter, highlighted by the closing of the Villages acquisition and strong growth in loans. Loan outstandings grew at an annualized rate of 15% driven by the continued success of our commercial banking team and the additional mortgage volume contributed by the Villages acquisition. The addition of the Villages mortgage team expands our optionality
