Seacoast Banking Corporation of Florida Q4 Earnings Call Highlights

5 days ago 4

MarketBeat

Fri, January 30, 2026 astatine 10:28 AM CST 7 min read

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Seacoast closed the Villages acquisition, materially boosting equilibrium expanse and indebtedness balances—organic indebtedness maturation was ~15% annualized (excluding VBI), nett involvement income roseate 31% QoQ and nett involvement borderline (ex-accretion) expanded to 3.44%, portion owe and wealthiness businesses drove stronger interest income and AUM growth.
Excluding day-one recognition proviso and merger charges, Q4 ROA was 1.22% and ROTE 15.72%, adjusted nett income accrued 18% YoY to $47.7M, and absorption guided 2026 EPS of $2.48–$2.52 with an expected year-end ROA supra 1.30% and ROTE astir 16% (adjusted gross maturation of 29–31%).
Credit and superior were solid—Q4 nett charge-offs annualized 3 bps, allowance sum 1.42%, Tier 1 superior 14.4%—and absorption reduced hazard done securities income (≈$1.5B from VBI positive a $317M restructuring) portion deposit costs declined to astir 1.64%.
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Seacoast Banking Corporation of Florida (NASDAQ:SBCF) utilized its fourth-quarter and full-year 2025 net telephone to item beardown indebtedness growth, improving interest income trends, and the closing of its acquisition of Villages Bancorporation (VBI), which absorption described arsenic a large contributor to the company’s equilibrium expanse spot and 2026 outlook.

Chairman and CEO Charles Shaffer said the institution delivered “another exceptional quarter,” pointing to the adjacent of the Villages acquisition and an annualized 15% summation successful indebtedness outstandings. Shaffer said Seacoast’s strategy to amended shareholder returns remained connected track, and that excluding the day-one recognition proviso and merger-related expenses tied to the acquisition, fourth-quarter instrumentality connected assets (ROA) was 1.22% and instrumentality connected tangible equity (ROTE) was 15.72%.

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Chief Financial Officer Tracey Dexter reported adjusted nett income (excluding merger-related charges) accrued 18% year-over-year to $47.7 million. She noted adjusted results inactive included the “initial provisions for loans and unfunded commitments” connected the Villages acquisition totaling $23.4 million. Adjusted pre-tax, pre-provision net were $93.2 million, up 39% from the 3rd 4th and 65% from the prior-year quarter.

Dexter said Seacoast’s adjusted ratio ratio improved and was beneath 55%, adding that the company’s ratio ratio presumption present includes amortization of intangible assets, which added $10.4 cardinal to disbursal successful the quarter.