Seacoast projects 2026 EPS of $2.48 to $2.52 while reiterating 53% to 55% efficiency ratio target (NASDAQ:SBCF)

Earnings Call Insights: Seacoast Banking Corporation of Florida (SBCF) Q1 2026 Management View * CEO Charles Shaffer said the quarter was "highlighted by robust deposit growth, particularly in noninterest-bearing deposits, meaningful expansion in the net interest margin, and solid progress towards the financial guidance we This article was automatically generated by an AI tool based on content available on the Seeking Alpha website, and has not been curated or reviewed by humans. Due to inherent limitations in using AI-based tools, the accuracy, completeness, or timeliness of such articles cannot be guaranteed. This article is intended for informational purposes only. Seeking Alpha does not take account of your objectives or your financial situation and does not offer any personalized investment advice. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Management expects full-year adjusted EPS to remain at $2.48 to $2.52 despite fewer rate cuts, though revenue guidance's lower end has decreased by 1 percentage point. Cost actions and discipline support the steady EPS outlook. Key risks include elevated loan payoffs, integration risk from The Villages conversion, and sensitivity to deposit costs if Fed cuts do not materialize, along with overall macro uncertainty. Management reports broad-based growth, with The Villages producing solid mortgage and wealth demand. The Villages integration is a strategic focus, with expected near-term investment but confidence in delivering cost savings and growth.