Seacoast Banking Corp. of Florida (SBCF) Q3 FY2025 earnings: revenue $157 million, up 20.7% on the year

Seacoast Banking Corp. of Florida (SBCF) reported revenue of $157 million for Q3 FY2025, the quarter ended 30 September 2025, up 20.7% on the same quarter a year earlier. Net income was $36 million, up 19.0% on the year, and diluted earnings per share $0.42. The figures are the company's own, from the 10-Q it filed with the SEC on 5 November 2025.

Revenue$157 millionup 20.7%

Net income$36 millionup 19.0%

Diluted EPS$0.42

QuarterQ3 FY2025ended 30 September 2025

The quarter, against the one before and a year earlier

Line	Q3 FY2025	Q2 FY2025	Q3 FY2024	Change on the year
Revenue	157	151	130	+20.7%
Pre-tax income	46.9	55.3	39.3	+19.6%
Income tax	10.5	12.6	8.6	+21.6%
Effective tax rate	22.3%	22.8%	21.9%
Net income	36.5	42.7	30.7	+19.0%
Net margin	23.2%	28.2%	23.5%
Diluted EPS	$0.42	$0.50	$0.36	+16.7%

$ million except per share.

Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are.

Cash flow and capital returned

Line	Q3 FY2025	Q2 FY2025	Q3 FY2024	Change on the year
Operating cash flow	30.2	72.3	53.4	-43.4%
Cash from investing	46.4	-381	-292	n/a
Cash from financing	-103	141	126	n/a
Depreciation and amortisation	8.3	7.4	8.1	+2.1%
Share-based compensation	4.4	4.0	4.1	+7.8%
Buybacks	0.0	0.0	0.0	n/a
Dividend per share	$0.18	$0.18	$0.18	+0.0%
Diluted shares, weighted	87m	85m	85m	+2.8%
Shares outstanding at period end	88m	86m	85m	+2.8%

Cash flow lines for the quarter; where the company files them year to date, the quarter is the difference between two filings.

Balance sheet at quarter end

Line	Q3 FY2025	Q2 FY2025	Q3 FY2024	Change on the year
Shareholders' equity	2,378	2,272	2,194	+8.4%
Redeemable equity	n/a	0.0	n/a	n/a
Deposits	13,090	12,498	12,244	+6.9%
Debt	107	107	107	+0.6%
Other liabilities	1,101	1,068	624	+76.4%
Total liabilities and equity	16,677	15,945	15,168	+9.9%
Fixed assets	115	107	109	+6.1%
Goodwill	755	732	732	+3.0%
Intangible assets	76.3	61.3	77.4	-1.5%
Securities held for sale or to maturity	3,811	3,479	2,806	+35.8%
Loans	10,817	10,467	10,065	+7.5%
Cash and equivalents	306	332	637	-52.0%
Other assets	797	765	742	+7.5%
Total assets	16,677	15,945	15,168	+9.9%

Questions

What was Seacoast Banking Corp. of Florida's revenue in Q3 FY2025?

Seacoast Banking Corp. of Florida (SBCF) reported revenue of $157 million for Q3 FY2025, the quarter ended 30 September 2025, up 20.7% on the same quarter a year earlier.

How much did Seacoast Banking Corp. of Florida earn in Q3 FY2025?

Net income for Q3 FY2025 was $36 million, up 19.0% on the year, and diluted earnings per share $0.42.

When did Seacoast Banking Corp. of Florida report Q3 FY2025 results?

Seacoast Banking Corp. of Florida filed its 10-Q for the quarter ended 30 September 2025 with the SEC on 5 November 2025.

Quarterly results, the last 12 quarters

	Q3 FY2023	Q4 FY2023 *	Q1 FY2024	Q2 FY2024	Q3 FY2024	Q4 FY2024 *	Q1 FY2025	Q2 FY2025	Q3 FY2025	Q4 FY2025 *	Q1 FY2026	Q2 FY2026
Revenue	137	128	126	127	130	133	141	151	157	203	164	208
Interest expense	60.5	66.0	70.6	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Pre-tax income	40.5	37.8	33.8	39.2	39.3	43.6	40.9	55.3	46.9	43.5	40.9	76.1
Tax rate	22%	22%	23%	23%	22%	22%	23%	23%	22%	21%	22%	22%
Net income	31.4	29.5	26.0	30.2	30.7	34.1	31.5	42.7	36.5	34.3	31.9	59.5
Net margin	23%	23%	21%	24%	24%	26%	22%	28%	23%	17%	19%	29%
Diluted EPS	$0.37	$0.35	$0.31	$0.36	$0.36	$0.40	$0.37	$0.50	$0.42	$0.28	$0.29	$0.55
Operating cash flow	62.7	29.9	24.7	56.9	53.4	45.0	31.0	72.3	30.2	54.5	71.8	61.7
Buybacks	0.0	n/a	n/a	n/a	0.0	n/a	0.0	0.0	0.0	0.0	10.0	23.3
Shares outstanding	85m	85m	85m	85m	85m	86m	86m	86m	88m	98m	98m	97m
Filing	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q

Each quarter as filed, linked to its filing.

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS and diluted share count are from the company's results press release for that quarter, used where the release gives the same revenue and net income as the table. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Source

10-Q for the period ended 30 September 2025, filed 5 November 2025, accession 0000730708-25-000216: the filing on EDGAR. All of Seacoast Banking Corp. of Florida's filings: EDGAR company page.

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