Seacoast Banking (SBCF) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

By Zacks Equity Research | October 27, 2025, 6:30 PM

Seacoast Banking (SBCF) reported $158.13 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 21.3%. EPS of $0.52 for the same period compares to $0.36 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $153.9 million, representing a surprise of +2.75%. The company delivered an EPS surprise of +10.64%, with the consensus EPS estimate being $0.47.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Seacoast Banking performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net Interest Margin: 3.6% versus the two-analyst average estimate of 3.6%.
  • Efficiency Ratio: 60.7% versus 59.1% estimated by two analysts on average.
  • Net interest income - FTE: $133.91 million versus the two-analyst average estimate of $135.85 million.
  • Total noninterest income: $23.82 million versus $22.55 million estimated by two analysts on average.

View all Key Company Metrics for Seacoast Banking here>>>

Shares of Seacoast Banking have returned +2.8% over the past month versus the Zacks S&P 500 composite's +2.5% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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Seacoast Banking Corporation of Florida (SBCF): Free Stock Analysis Report

This article originally published on Zacks Investment Research (zacks.com).

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