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Dec 31, 2025
Seacoast Banking Q4 2025 Earnings Report
Seacoast reported strong Q4 2025 results with significant revenue growth and improved margins, supported by its acquisition of Villages Bancorporation.
Key Takeaways
Seacoast Banking delivered solid fourth quarter results with a 31% increase in net interest income, supported by strong organic loan growth and strategic acquisitions. Adjusted EPS was higher due to cost controls and increased interest income, despite integration expenses related to acquisitions.
Net income was $34.3 million, impacted by $18.1 million in merger costs and $23.4 million in credit provisions.
Adjusted EPS rose to $0.47 with strong pre-tax pre-provision earnings of $93.2 million.
Net interest income increased 31% QoQ, driven by organic loan growth and the VBI acquisition.
The efficiency ratio improved to 54.50% on an adjusted basis, reflecting disciplined cost control.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Management expressed optimism for stronger shareholder returns in 2026, especially in the second half of the year, backed by increased scale from acquisitions, improved efficiency, and capital flexibility.
Positive Outlook
- Completed VBI acquisition expands footprint and adds scale.
- Loan growth remains strong, including 15% annualized organic growth.
- Branch expansion into high-growth markets such as Atlanta.
- Adjusted efficiency ratio shows improved operational leverage.
- High capital and liquidity levels support future growth.
Challenges Ahead
- Integration costs from VBI impacted near-term earnings.
- Higher deposit interest expense due to acquired balances.
- Net charge-offs remained elevated compared to prior year.
- Cost of acquisitions contributed to lower Tier 1 capital ratio YoY.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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