Here's What Key Metrics Tell Us About Seacoast Banking (SBCF) Q4 Earnings

Core Insights - Seacoast Banking (SBCF) reported a revenue of $203.26 million for the quarter ended December 2025, marking a 53% increase year-over-year [1] - The company's EPS was $0.44, down from $0.48 in the same quarter last year, with an EPS surprise of -13.73% against a consensus estimate of $0.51 [1] Financial Performance - Revenue exceeded the Zacks Consensus Estimate of $202.6 million by 0.33% [1] - Total Nonperforming Assets stood at $76.25 million, higher than the average estimate of $66.67 million [4] - Efficiency Ratio was reported at 63.4%, significantly above the estimated 55.2% [4] - Nonperforming loans were $72 million, compared to the average estimate of $61.64 million [4] - Net charge-offs to average loans were reported at 0%, better than the estimated 0.2% [4] - Net Interest Margin was 3.7%, aligning with the average estimate [4] - Average Balance of Total Earning Assets was $19.11 billion, exceeding the estimate of $18.84 billion [4] - Net interest income was $174.63 million, slightly below the average estimate of $176.51 million [4] - Total noninterest income was $28.63 million, surpassing the average estimate of $26.16 million [4] Stock Performance - Shares of Seacoast Banking have returned +6.8% over the past month, outperforming the Zacks S&P 500 composite's +0.8% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]