Demonstrações financeiras detalhadas de Seacoast Banking Corporation of Florida (SBCF): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Seacoast Banking Corporation of Florida registou receitas de $869.5M no último exercício, com um CAGR de 5 anos de 20.1%. O lucro líquido atingiu $144.9M, com CAGR de 5 anos de 13.3%.
Margens dos últimos 12 meses: margem bruta 64.4%, margem operacional 18.9%, margem líquida 17.1%. O fluxo de caixa livre cresceu a CAGR de 24.8% em 5 anos.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $185.8M | $250.1M | $291.4M | $346.6M | $348.6M | $355.0M | $446.6M | $768.1M | $809.0M | $869.5M |
| Custo da Receita | $10.9M | $20.9M | $41.6M | $57.2M | $62.7M | -$1.1M | $41.7M | $239.5M | $310.8M | $334.2M |
| Lucro Bruto | $175.0M | $229.1M | $249.8M | $289.4M | $285.9M | $356.0M | $404.9M | $528.6M | $498.1M | $535.4M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $85.6M | $100.9M | $110.2M | $92.6M | $110.2M | $122.1M | $158.5M | $225.3M | $209.8M | $261.0M |
| Despesas Operacionais | $130.9M | $149.9M | $162.3M | $160.7M | $185.4M | $197.3M | $266.8M | $394.4M | $342.3M | $348.9M |
| Lucro Operacional | $44.1M | $79.2M | $87.5M | $128.6M | $100.6M | $158.7M | $138.1M | $134.3M | $155.8M | $186.5M |
| EBITDA | $46.9M | $84.1M | $92.7M | $137.1M | $102.3M | $154.9M | $148.8M | $134.7M | $175.0M | $226.3M |
| Despesas com Juros | $8.5M | $15.3M | $29.9M | $46.2M | $24.3M | $8.2M | $14.3M | $200.7M | $293.6M | $282.9M |
| Lucro Antes de Impostos | $44.1M | $79.2M | $87.5M | $128.6M | $100.6M | $158.7M | $138.1M | $134.3M | $155.8M | $186.5M |
| Imposto | $14.9M | $36.3M | $20.3M | $29.9M | $22.8M | $34.3M | $31.6M | $30.2M | $34.9M | $41.6M |
| Lucro Líquido | $29.2M | $42.9M | $67.3M | $98.7M | $77.8M | $124.4M | $106.5M | $104.0M | $121.0M | $144.9M |
| LPA | $0.79 | $1.01 | $1.40 | $1.92 | $1.45 | $2.20 | $1.67 | $1.24 | $1.43 | $1.62 |
| LPA Diluído | $0.78 | $0.99 | $1.38 | $1.90 | $1.44 | $2.18 | $1.66 | $1.23 | $1.42 | $1.58 |
| Ações em Circulação (Diluídas) | $37.5M | $43.4M | $48.7M | $52.0M | $53.9M | $57.1M | $64.3M | $84.3M | $85.0M | $91.9M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $226.5M | $247.6M | $220.8M | $255.6M |
| Lucro Bruto | $148.8M | $136.9M | $145.8M | $180.4M |
| Lucro Operacional | $46.9M | $43.5M | $40.9M | $48.3M |
| EBITDA | $52.5M | $67.5M | $49.6M | $88.9M |
| Lucro Líquido | $36.5M | $34.3M | $31.9M | $59.5M |
| LPA | $0.42 | $0.33 | $0.31 | $0.60 |
| LPA Diluído | $0.42 | $0.29 | $0.29 | $0.55 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $109.6M | $122.1M | $124.2M | $128.3M | $404.8M | $737.7M | $205.2M | $453.0M | $479.8M | $181.4M |
| Investimentos de Curto Prazo | $950.5M | $949.5M | $865.8M | $946.9M | $1.40B | $1.64B | $1.87B | $1.84B | $2.19B | $5.16B |
| Contas a Receber | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $1.06B | $1.07B | $990.0M | $1.08B | $1.80B | $2.38B | $2.08B | $2.29B | $2.67B | $5.35B |
| Imobilizado | $58.7M | $66.9M | $71.0M | $66.6M | $75.1M | $72.4M | $116.9M | $113.3M | $107.6M | $160.1M |
| Ágio | $64.6M | $147.6M | $204.8M | $205.3M | $221.2M | $252.2M | $480.3M | $732.4M | $732.4M | $1.03B |
| Ativos Intangíveis | $14.6M | $19.1M | $26.0M | $20.1M | $16.7M | $14.8M | $71.3M | $95.6M | $71.7M | $195.7M |
| Ativos Totais | $4.68B | $5.81B | $6.75B | $7.11B | $8.34B | $9.68B | $12.15B | $14.58B | $15.18B | $20.84B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $204.2M | $216.1M | $214.3M | $86.1M | $119.6M | $121.6M | $172.0M | $374.6M | $232.1M | $389.0M |
| Passivos Circulantes | $3.73B | $4.81B | $5.39B | $5.67B | $7.05B | $8.19B | $10.15B | $12.15B | $12.47B | $13.42B |
| Dívida de Longo Prazo | $485.2M | $281.5M | $450.8M | $386.1M | $71.4M | $71.6M | $234.5M | $156.3M | $352.0M | $947.8M |
| Passivos Totais | $4.25B | $5.12B | $5.88B | $6.12B | $7.21B | $8.37B | $10.54B | $12.47B | $12.99B | $17.79B |
| Reservas | -$13.7M | $29.9M | $97.1M | $195.8M | $256.7M | $358.6M | $423.9M | $467.3M | $526.6M | $603.8M |
| Patrimônio Líquido | $435.4M | $689.7M | $864.3M | $985.6M | $1.13B | $1.31B | $1.61B | $2.11B | $2.18B | $3.06B |
| Dívida Total | $689.4M | $497.6M | $665.1M | $472.2M | $191.0M | $193.2M | $406.6M | $530.9M | $584.0M | $1.34B |
| Dívida Líquida | -$370.7M | -$573.9M | -$324.9M | -$602.9M | -$1.61B | -$2.19B | -$1.67B | -$1.76B | -$2.09B | -$4.01B |
| Capital de Giro | -$2.67B | -$3.74B | -$4.40B | -$4.60B | -$5.25B | -$5.81B | -$8.08B | -$9.86B | -$9.80B | -$8.08B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $336.8M | $181.4M | $201.3M | $192.0M |
| Ativos Totais | $16.68B | $20.84B | $21.15B | $21.36B |
| Passivos Totais | $14.30B | $17.79B | $18.08B | $18.29B |
| Patrimônio Líquido | $2.38B | $3.06B | $3.06B | $3.07B |
| Dívida Total | $1.03B | $1.34B | $1.27B | $1.32B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $29.2M | $42.9M | $67.3M | $98.7M | $77.8M | $124.4M | $106.5M | $104.0M | $121.0M | $144.9M |
| Depreciação e Amortização | $2.8M | $4.9M | $5.2M | $8.5M | $1.7M | -$3.9M | $10.6M | $423000 | $19.2M | $39.7M |
| Compensação em Ações | $4.2M | $5.3M | $7.8M | $7.2M | $7.3M | $8.7M | $11.2M | $13.4M | $13.7M | $15.7M |
| Variação Capital de Giro | -$8.6M | -$26.9M | $19.2M | -$9.8M | -$16.8M | -$13.6M | $22.6M | -$17.7M | -$4.0M | -$69.4M |
| Fluxo de Caixa Operacional | $62.0M | $48.9M | $129.6M | $117.7M | $60.7M | $154.6M | $195.9M | $150.6M | $179.9M | $188.1M |
| CapEx | -$6.1M | -$5.7M | -$4.0M | -$2.5M | -$1.6M | -$4.3M | -$12.6M | -$10.3M | -$4.0M | -$9.2M |
| Aquisições | $235.5M | $23.8M | $22.3M | 0 | $72.0M | $98.1M | $281.7M | $141.7M | 0 | $169.6M |
| Recompra de Ações | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -$10.9M | -$880000 | 0 |
| Dividendos Pagos | 0 | 0 | 0 | 0 | 0 | -$22.5M | -$41.2M | -$60.6M | -$61.6M | -$67.7M |
| Fluxo de Caixa Livre | $56.0M | $43.2M | $125.6M | $115.2M | $59.1M | $150.2M | $183.2M | $140.3M | $175.9M | $178.9M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $30.2M | $54.5M | $71.9M | $61.6M |
| CapEx | -$2.5M | -$2.0M | -$2.3M | -$4.5M |
| Fluxo de Caixa Livre | $27.7M | $52.5M | $69.6M | $57.2M |
| Dividendos Pagos | -$15.9M | -$20.9M | -$20.8M | -$20.8M |
| Compensação em Ações | $4.4M | $4.3M | $4.5M | $5.5M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +34.6% | +16.5% | +18.9% | +0.6% | +1.8% | +25.8% | +72.0% | +5.3% | +7.5% |
| Crescimento Lucro Líquido (anual) | | +46.8% | +56.9% | +46.8% | -21.2% | +60.0% | -14.4% | -2.3% | +16.3% | +19.7% |
| Crescimento LPA (anual) | | +27.8% | +38.6% | +37.1% | -24.5% | +51.7% | -24.1% | -25.7% | +15.3% | +13.3% |
| Variação de Ações (anual) | | +15.6% | +12.5% | +6.7% | +3.7% | +5.9% | +12.6% | +31.2% | +0.8% | +8.1% |
| Crescimento FCF (anual) | | -22.8% | +190.7% | -8.3% | -48.7% | +154.4% | +21.9% | -23.4% | +25.3% | +1.7% |
| Margem Bruta | 94.1% | 91.6% | 85.7% | 83.5% | 82.0% | 100.3% | 90.7% | 68.8% | 61.6% | 61.6% |
| Margem Operacional | 23.7% | 31.7% | 30.0% | 37.1% | 28.9% | 44.7% | 30.9% | 17.5% | 19.3% | 21.4% |
| Margem EBITDA | 25.3% | 33.6% | 31.8% | 39.6% | 29.3% | 43.6% | 33.3% | 17.5% | 21.6% | 26.0% |
| Margem Líquida | 15.7% | 17.1% | 23.1% | 28.5% | 22.3% | 35.0% | 23.8% | 13.5% | 15.0% | 16.7% |
| Margem FCF | 30.1% | 17.3% | 43.1% | 33.2% | 16.9% | 42.3% | 41.0% | 18.3% | 21.7% | 20.6% |
| Taxa Efetiva de Imposto | 33.8% | 45.9% | 23.1% | 23.2% | 22.7% | 21.6% | 22.9% | 22.5% | 22.4% | 22.3% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.49 | $1.00 | $2.58 | $2.21 | $1.10 | $2.63 | $2.85 | $1.66 | $2.07 | $1.95 |
| Dividendo por Ação | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.39 | $0.64 | $0.72 | $0.72 | $0.74 |
| Ações em Circulação (Básicas) | $36.9M | $42.6M | $48.0M | $51.4M | $53.5M | $56.6M | $63.7M | $83.8M | $84.4M | $88.3M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Margem bruta | 64.38% |
| Margem operacional | 18.89% |
| Margem líquida | 17.06% |
Saúde financeira
| Dívida / Patrimônio | 0.43 |
| Liquidez corrente | 0.31 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 27.92 | 24.96 | 18.59 | 15.92 | 20.31 | 16.09 | 18.68 | 22.95 | 19.25 | 19.40 |
| P/VP | 1.87 | 1.56 | 1.44 | 1.60 | 1.39 | 1.53 | 1.24 | 1.13 | 1.06 | 0.91 |
| P/V | 4.38 | 4.30 | 4.28 | 4.54 | 4.52 | 5.64 | 4.45 | 3.10 | 2.87 | 3.19 |
| Margem Bruta | 94.1% | 91.6% | 85.7% | 83.5% | 82.0% | 100.3% | 90.7% | 68.8% | 61.6% | 61.6% |
| Margem Operacional | 23.7% | 31.7% | 30.0% | 37.1% | 28.9% | 44.7% | 30.9% | 17.5% | 19.3% | 21.4% |
| Margem Líquida | 15.7% | 17.1% | 23.1% | 28.5% | 22.3% | 35.0% | 23.8% | 13.5% | 15.0% | 16.7% |