Seacoast Banking Corporation of Florida — Cyborg Score 7/10

Strategic Profile

Seacoast Banking's revenue grew at a solid 12.8% compounded annual growth rate over the last five years, beating the average banking company average. The company competes with other regional banks operating in Florida such as First Horizon, SouthState Corporation, and Valley National Bancorp, as well as larger national banks including JPMorgan Chase, Bank of America, and Wells Fargo.

Cyborg Score Rationale

The company reported $0.44 EPS in Q4 2025 (missing consensus of $0.51) but generated revenue of $204.80 million, exceeding estimates of $201.25 million. Solid 5-year revenue growth and healthy dividend yield of 2.4% support competent operations, though missed earnings and modest ROE of 7.07% indicate room for improvement.

Top Insights

• Quarterly revenue was up 53.0% compared to the same quarter last year (Q4 2024 vs Q4 2025)
• The company declared a quarterly dividend of $0.19 per share payable March 31, 2026
• Debt-to-equity ratio of 0.35 indicates conservative leverage management
• Regional concentration in Florida presents growth opportunity but also geographic concentration risk

Named Competitors

• Regional Banking Services — Southeast regional bank competitor
• Regional Banking Services — Multi-state regional bank in Southeast
• Regional Banking Services — Tri-state regional banking competitor
• National Banking Services — National megabank with Florida presence

Recent Developments

• (January 2026) Q4 2025 earnings miss: EPS of $0.44 vs consensus $0.51, though revenue beat estimates
• (March 2026) Quarterly dividend of $0.19/share declared for March 31 payment
• (Q3 2025) Met Wall Street revenue expectations with 20.7% YoY growth to $157.3M

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