Seacoast Banking Corporation of Florida (SBCF) filed an investor presentation detailing its third-quarter 2026 financial performance and providing an updated outlook for the fourth quarter and full-year 2026. The company reported strong organic loan growth and stable net interest margin for Q3 and provided full-year adjusted diluted EPS guidance of $2.48 to $2.52.

Key Details

  • Full-Year 2026 Outlook:
  • Adjusted Revenue Growth: 28% - 31%
  • Adjusted Diluted EPS: $2.48 - $2.52
  • Organic Loan Growth: High single-digit growth

  • Adjusted Efficiency Ratio: 53% - 55%

  • Q3 2026 Performance Highlights:

  • Net Income: $59.9 million, or $0.55 per diluted share
  • Adjusted Net Income: $71.8 million, or $0.66 per diluted share
  • Net Interest Margin: 3.83% (stable from Q2 2026)

  • Annualized Organic Loan Growth: 13%

  • Q4 2026 Outlook:

  • Adjusted Return on Assets (ROA): ~1.30%
  • Adjusted Return on Tangible Equity (ROTE): ~16.0%