Seacoast Banking Corporation of Florida (SBCF) Balance Sheet
SBCF balance sheet, 2025
December 31, 2025 · U.S. dollars$20.84B assets = $17.79B liabilities + $3.06B equity
Both columns are drawn to the same scale: what SBCF owns equals what it owes plus shareholders’ equity. Hover a block for its value.
SBCF financial health
Descriptive bands, not a rating. Fiscal 2025.
SBCF balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $4.68B2016 | $20.84B2025 | +18.1%/yr | |
| Total liabilities | $4.25B2016 | $17.79B2025 | +17.3%/yr | |
| Shareholders’ equity | $435.4M2016 | $3.06B2025 | +24.2%/yr | |
| Cash & short-term investments | $1.06B2016 | $5.35B2025 | +19.7%/yr | |
| Total debt | $689.4M2016 | $1.34B2025 | +7.6%/yr | |
| Net cash (debt) | $370.7M2016 | $4.01B2025 | +$3.6B | |
| Working capital | −$223.9M2016 | −$8.08B2025 | −$7.9B | |
| Book value per share | $11.612016 | $33.242025 | +12.4%/yr | |
| Debt / equity | 1.582016 | 0.442025 | −1.15 | |
| Shares outstanding | 37.5M2016 | 91.9M2025 | +10.5%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
SBCF assets
SBCF liabilities and equity
SBCF debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
SBCF balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $5.35B | $2.67B | $2.29B | $2.08B | $2.38B | $1.80B | $1.08B | $990.0M | $1.08B | $1.06B |
| Cash & equivalents | $181.4M | $479.8M | $453.0M | $205.2M | $737.7M | $404.8M | $128.3M | $124.2M | $122.1M | $109.6M |
| Short-term investments | $5.16B | $2.19B | $1.84B | $1.87B | $1.64B | $1.40B | $946.9M | $865.8M | $955.8M | $950.5M |
| Receivables | $0 | $0 | $0 | $0 | $0 | $5.64B | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $2.3M | $13.6M | $12.8M | $12.4M | $12.8M | $7.6M | $9.9M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $4.22B | $3.12B | $2.15B |
| Total current assets | $5.35B | $2.67B | $2.29B | $2.07B | $2.38B | $1.80B | $1.08B | $5.22B | $4.20B | $3.22B |
| Property, plant & equipment (net) | $160.1M | $107.6M | $113.3M | $116.9M | $72.4M | $75.1M | $66.6M | $71.0M | $66.9M | $58.7M |
| Goodwill & intangible assets | $1.23B | $804.1M | $828.1M | $555.8M | $267.0M | $237.9M | $225.4M | $230.7M | $166.7M | $79.2M |
| Long-term investments | $5.75B | $2.86B | $2.52B | $2.62B | $2.28B | $1.66B | $6.40B | $1.22B | $1.37B | $1.32B |
| Other non-current assets | $8.36B | $8.73B | $8.83B | $6.78B | $4.68B | $4.56B | $0 | $0 | $0 | $0 |
| Total assets | $20.84B | $15.18B | $14.58B | $12.15B | $9.68B | $8.34B | $7.11B | $6.75B | $5.81B | $4.68B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $9.98B | $8.07B | $6.93B | $5.58B | $5.18B | $4.59B | $3.52B |
| Short-term debt | $389.0M | $232.1M | $374.6M | $255.9M | $128.2M | $125.5M | $406.7M | $594.3M | $424.1M | $619.2M |
| Total current liabilities | $13.42B | $12.47B | $12.15B | $8.65B | $6.75B | $5.54B | $5.92B | $4.35B | $3.81B | $3.44B |
| Long-term debt | $947.8M | $352.0M | $156.3M | $84.5M | $71.6M | $71.4M | $71.1M | $70.8M | $70.5M | $70.2M |
| Other long-term liabilities | $3.42B | $166.6M | $164.4M | $10.45B | $0 | $0 | $315.0M | $380.0M | $211.0M | $415.0M |
| Total liabilities | $17.79B | $12.99B | $12.47B | $10.54B | $71.6M | $71.4M | $386.1M | $5.88B | $5.12B | $4.25B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $9.9M | $8.6M | $8.5M | $7.2M | $5.8M | $5.5M | $5.2M | $5.1M | $4.7M | $3.8M |
| Retained earnings (deficit) | $603.8M | $526.6M | $467.3M | $423.9M | $358.6M | $256.7M | $195.8M | $97.1M | $29.2M | −$13.7M |
| Treasury stock | — | — | — | −$13.0M | −$10.6M | −$8.3M | −$6.0M | −$3.4M | −$2.4M | −$1.2M |
| Accumulated other comprehensive income | −$77.2M | −$157.9M | −$159.9M | −$188.0M | −$7.0M | $20.4M | $4.5M | −$13.1M | −$3.5M | −$7.5M |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $3.06B | $2.18B | $2.11B | $1.61B | $9.61B | $8.27B | $6.72B | $864.3M | $689.7M | $435.4M |
| Key figures | ||||||||||
| Total debt | $1.34B | $584.0M | $530.9M | $340.4M | $199.8M | $196.8M | $477.8M | $665.1M | $494.6M | $689.4M |
| Net cash (debt) | $4.01B | $2.09B | $1.76B | $1.74B | $2.18B | $1.61B | $597.3M | $324.9M | $583.2M | $370.7M |
| Working capital | −$8.08B | −$9.80B | −$9.86B | −$6.58B | −$4.36B | −$3.73B | −$4.84B | $870.2M | $397.4M | −$223.9M |
| Tangible book value | $1.83B | $1.38B | $1.28B | $1.05B | $9.34B | $8.03B | $6.50B | $633.5M | $523.0M | $356.2M |
| Book value per share | $33.24 | $25.67 | $25.00 | $25.02 | $168.33 | $153.37 | $129.21 | $17.73 | $15.91 | $11.61 |
| Shares outstanding | 91.9M | 85.0M | 84.3M | 64.3M | 57.1M | 53.9M | 52.0M | 48.7M | 43.4M | 37.5M |
| Current ratio | 0.40 | 0.21 | 0.19 | 0.24 | 0.35 | 0.33 | 0.18 | 1.20 | 1.10 | 0.93 |
| Quick ratio | 0.40 | 0.21 | 0.19 | 0.24 | 0.35 | 1.34 | 0.18 | 0.23 | 0.28 | 0.31 |
| Debt / equity | 0.44 | 0.27 | 0.25 | 0.21 | 0.02 | 0.02 | 0.07 | 0.77 | 0.72 | 1.58 |
| Equity / assets | 14.7% | 14.4% | 14.5% | 13.2% | 99.3% | 99.1% | 94.6% | 12.8% | 11.9% | 9.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $5.37B | $201.3M | $5.35B | $3.51B | $3.20B | $3.13B | $2.67B | $2.80B | $2.72B | $2.64B | $2.29B | $2.54B |
| Cash & equivalents | $192.0M | $201.3M | $181.4M | $336.8M | $332.4M | $502.1M | $479.8M | $642.3M | $757.4M | $690.6M | $453.0M | $700.3M |
| Short-term investments | $5.17B | $5.07B | $5.16B | $3.18B | $2.87B | $2.63B | $2.19B | $2.16B | $1.97B | $1.95B | $1.84B | $1.84B |
| Receivables | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $5.37B | $201.3M | $5.35B | $3.51B | $3.20B | $3.13B | $2.67B | $2.80B | $2.72B | $2.64B | $2.29B | $2.54B |
| Property, plant & equipment (net) | $161.0M | $159.4M | $160.1M | $115.4M | $107.3M | $108.5M | $107.6M | $108.8M | $109.9M | $110.8M | $113.3M | $115.7M |
| Goodwill & intangible assets | $1.21B | $1.22B | $1.23B | $830.9M | $793.7M | $798.8M | $804.1M | $809.8M | $815.9M | $821.8M | $828.1M | $834.4M |
| Long-term investments | $5.74B | $5.65B | $5.75B | $3.81B | $3.48B | $3.25B | $2.86B | $2.81B | $2.63B | $2.62B | $2.52B | $2.53B |
| Other non-current assets | $8.88B | $13.92B | $8.36B | $8.41B | $8.36B | $8.44B | $8.73B | $8.64B | $8.68B | $8.64B | $8.83B | $8.80B |
| Total assets | $21.36B | $21.15B | $20.84B | $16.68B | $15.94B | $15.73B | $15.18B | $15.17B | $14.95B | $14.83B | $14.58B | $14.82B |
| Liabilities | ||||||||||||
| Short-term debt | $373.1M | $377.5M | $389.0M | $236.2M | $186.1M | $201.1M | $232.1M | $210.2M | $262.1M | $326.7M | $374.6M | $276.4M |
| Total current liabilities | $17.17B | $377.5M | $13.42B | $13.33B | $12.68B | $12.78B | $12.47B | $12.45B | $12.38B | $12.34B | $12.15B | $12.38B |
| Long-term debt | $947.9M | $887.8M | $947.8M | $797.5M | $822.3M | $572.1M | $352.0M | $351.8M | $286.6M | $216.5M | $156.3M | $216.1M |
| Other long-term liabilities | $172.8M | $16.82B | $16.84B | $174.7M | $167.4M | $154.7M | $166.6M | $169.0M | $157.4M | $153.2M | $164.4M | $174.2M |
| Total liabilities | $18.29B | $18.08B | $17.79B | $14.30B | $13.67B | $13.50B | $12.99B | $12.97B | $12.82B | $12.71B | $12.47B | $12.77B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $9.9M | $9.9M | $9.9M | $8.9M | $8.7M | $8.6M | $8.6M | $8.6M | $8.5M | $8.5M | $8.5M | $8.5M |
| Retained earnings (deficit) | $653.6M | $614.9M | $603.8M | $590.4M | $569.8M | $542.7M | $526.6M | $508.0M | $492.8M | $478.0M | $467.3M | $453.1M |
| Accumulated other comprehensive income | −$84.1M | −$78.6M | −$77.2M | −$91.4M | −$118.3M | −$130.7M | −$157.9M | −$125.2M | −$168.0M | −$164.0M | −$159.9M | −$212.3M |
| Total shareholders' equity | $3.07B | $3.06B | $3.06B | $2.38B | $2.27B | $2.23B | $2.18B | $2.19B | $2.13B | $2.12B | $2.11B | $2.05B |
| Key figures | ||||||||||||
| Total debt | $1.32B | $1.27B | $1.34B | $1.03B | $1.01B | $773.3M | $584.0M | $562.0M | $548.7M | $543.2M | $530.9M | $492.6M |
| Net cash (debt) | $4.05B | −$1.06B | $4.01B | $2.48B | $2.19B | $2.36B | $2.09B | $2.24B | $2.18B | $2.10B | $1.76B | $2.05B |
| Working capital | −$11.80B | −$176.2M | −$8.08B | −$9.81B | −$9.48B | −$9.65B | −$9.80B | −$9.65B | −$9.65B | −$9.70B | −$9.86B | −$9.84B |
| Tangible book value | $1.86B | $1.84B | $1.83B | $1.55B | $1.48B | $1.43B | $1.38B | $1.38B | $1.31B | $1.30B | $1.28B | $1.21B |
| Book value per share | $31.61 | $28.06 | $28.03 | $27.20 | $26.57 | $26.11 | $25.66 | $25.79 | $25.12 | $24.84 | $24.70 | $23.91 |
| Shares outstanding | 97.2M | 109.1M | 109.0M | 87.4M | 85.5M | 85.4M | 85.1M | 85.1M | 84.8M | 85.3M | 85.3M | 85.7M |
| Current ratio | 0.31 | 0.53 | 0.40 | 0.26 | 0.25 | 0.24 | 0.21 | 0.23 | 0.22 | 0.21 | 0.19 | 0.21 |
| Quick ratio | 0.31 | 0.53 | 0.40 | 0.26 | 0.25 | 0.24 | 0.21 | 0.23 | 0.22 | 0.21 | 0.19 | 0.21 |
| Debt / equity | 0.43 | 0.41 | 0.44 | 0.43 | 0.44 | 0.35 | 0.27 | 0.26 | 0.26 | 0.26 | 0.25 | 0.24 |
| Equity / assets | 14.4% | 14.5% | 14.7% | 14.3% | 14.2% | 14.2% | 14.4% | 14.5% | 14.2% | 14.3% | 14.5% | 13.8% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 27, 2026); data from EODHD.
SBCF financial position
At the end of fiscal 2025 (December 31, 2025), Seacoast Banking had total assets of $20.8 billion (up 37.3% from a year earlier), total liabilities of $17.8 billion and shareholders' equity of $3.1 billion. It held $5.3 billion in cash and short-term investments against $1.3 billion of debt, a net cash position of $4.0 billion. Its current ratio was 0.40. In the latest quarter (ended June 30, 2026) total assets were $21.4 billion and equity $3.1 billion.
Related: SBCF income statement, SBCF cash flow statement, SBCF key metrics. See the SBCF stock overview for the latest quote and news.
SBCF balance sheet FAQ
What are Seacoast Banking's total assets?
Seacoast Banking reported total assets of $20.8 billion at the end of fiscal 2025 (December 31, 2025), compared with $15.2 billion a year earlier.
How much debt does Seacoast Banking have?
Seacoast Banking had $1.3 billion of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.44.
How much cash does Seacoast Banking have?
Seacoast Banking held $5.3 billion in cash and short-term investments at the end of fiscal 2025; with $1.3 billion of debt that is net cash of $4.0 billion.
What is Seacoast Banking's book value?
Seacoast Banking's shareholders' equity (book value) was $3.1 billion at the end of fiscal 2025, or $33.24 per share.
What is Seacoast Banking's current ratio?
Seacoast Banking had current assets of $5.3 billion and current liabilities of $13.4 billion, a current ratio of 0.40 (current liabilities exceed current assets).
How much goodwill does Seacoast Banking have?
Seacoast Banking carried $1.2 billion of goodwill and intangible assets, 5.9% of total assets, at the end of fiscal 2025.