Q3: 2025-10-27 Earnings Summary
EPS of $0.52 beats by $0.06
| Revenue of $158.57M (21.54% Y/Y) beats by $4.04M
Seacoast Banking Corporation of Florida (NASDAQ:SBCF) Q3 2025 Earnings Call October 28, 2025 10:00 AM EDT
Company Participants
Charles Shaffer – Chairman, President & CEO
Tracey Dexter – Executive VP & CFO
Michael Young
Conference Call Participants
William Jones – Keefe, Bruyette, & Woods, Inc., Research Division
David Feaster – Raymond James & Associates, Inc., Research Division
Russell Elliott Gunther – Stephens Inc., Research Division
Stephen Scouten – Piper Sandler & Co., Research Division
David Bishop – Hovde Group, LLC, Research Division
Presentation
Operator
Welcome to Seacoast Banking Corporation’s Third Quarter 2025 Earnings Conference Call. My name is Desiree, and I will be your operator.
Before we begin, I have been asked to direct your attention to the statements at the end of the company’s press release regarding forward-looking statements. Seacoast will be discussing issues that constitute forward-looking statements within the meaning of the securities at Exchange Act, and its comments today are intended to be covered within the meaning of that act. Please note that this conference is being recorded.
I will now turn the call over to Chuck Shaffer, Chairman and CEO of Seacoast Bank. Mr. Shaffer, you may begin.
Charles Shaffer
Chairman, President & CEO
All right. Thank you, and good morning, everyone. As we proceed with our presentation, we’ll refer to the third quarter earnings slide deck, which is available at seacoastbanking.com.
Joining me today is Tracey Dexter, our Chief Financial Officer; Michael Young, our Chief Strategy Officer; and James Stallings, our Chief Credit Officer. The Seacoast team delivered another exceptional quarter, which clearly demonstrated the progress we are making towards enhancing our return profile, while delivering strong growth on both sides of the balance sheet. Our competitive transformation has fully taken hold with loan and deposit growth near 8%, the result of a focused effort to recruit the most qualified and capable bankers across our footprint.
