Seacoast Banking Corporation of Florida (SBCF)

SBCF Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	144.88	120.99	104.03	106.51	124.4
Depreciation & Amortization	78.74	60.88	0.42	10.63	-3.85
Gain (Loss) on Sale of Assets	-0.08	0.43	2.29	-0.36	0.18
Gain (Loss) on Sale of Investments	-7.04	5.05	1.99	0.58	6.58
Provision for Credit Losses	51.26	16.26	37.52	26.18	-9.42
Net Decrease (Increase) in Loans Originated / Sold - Operating	7.3	4.13	3.41	34.7	52.98
Change in Other Net Operating Assets	-69.37	-3.95	-17.72	22.55	-13.55
Other Operating Activities	12.04	9.55	9.44	-10.4	3.84
Operating Cash Flow	188.06	179.9	150.61	195.86	154.57
Operating Cash Flow Growth	4.54%	19.45%	-23.10%	26.71%	154.85%
Capital Expenditures	-9.17	-4.03	-10.29	-12.65	-4.33
Cash Acquisitions	169.56	-	141.67	281.75	98.1
Investment in Securities	140.73	-342.25	299.49	-13.56	-757.38
Net Decrease (Increase) in Loans Originated / Sold - Investing	-963.07	-253.91	110.67	-624.64	307.08
Other Investing Activities	-49.34	-9.53	-14.67	-11.14	-55.99
Investing Cash Flow	-706.76	-606.88	527.45	-364.88	-412.51
Short-Term Debt Issued	166.87	-	202.54	50.46	1.96
Long-Term Debt Issued	710	355	110	75	-
Total Debt Issued	876.87	355	312.54	125.46	1.96
Short-Term Debt Repaid	-	-142.5	-280	-62.5	-
Long-Term Debt Repaid	-235	-160	-75	-7.5	-33
Total Debt Repaid	-235	-302.5	-355	-70	-33
Net Debt Issued (Repaid)	641.87	52.5	-42.46	55.46	-31.04
Issuance of Common Stock	-	0.95	5.1	3.41	5.02
Repurchase of Common Stock	-	-0.88	-10.87	-	-
Common Dividends Paid	-67.73	-61.65	-60.59	-41.24	-22.51
Net Increase (Decrease) in Deposit Accounts	-142.15	465.49	-324	-384.4	640.11
Other Financing Activities	-1.35	-	-	-	-
Financing Cash Flow	430.64	456.41	-432.82	-366.77	591.58
Net Cash Flow	-88.06	29.43	245.24	-535.79	333.64
Free Cash Flow	178.89	175.87	140.32	183.21	150.25
Free Cash Flow Growth	1.72%	25.33%	-23.41%	21.94%	154.37%
Free Cash Flow Margin	29.90%	35.23%	26.48%	45.12%	42.18%
Free Cash Flow Per Share	2.01	2.07	1.66	2.85	2.63
Cash Interest Paid	277.64	287.27	191.23	13.74	9.98
Cash Income Tax Paid	13.44	16.89	-6	29.59	30.89

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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