Seacoast Banking Corporation of Florida (SBCF) — Cash Flow Quality Index
Seacoast Banking Corporation of Florida (SBCF) has a Cash Flow Quality Index of 0.83x as of September 2025. Operating cash flow of $30.21 Million is below net income of $36.47 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore SBCF operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Seacoast Banking Corporation of Florida Cash Flow Quality Index (1991–2024)
Historical Cash Flow Quality Index for Seacoast Banking Corporation of Florida across 30 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Seacoast Banking Corporation of Florida cash flow conversion.
Annual Cash Flow Quality Index for Seacoast Banking Corporation of Florida (1991–2024)
Year-by-year earnings quality comparison for Seacoast Banking Corporation of Florida.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.49x | $179.90 Million | $120.99 Million | ▲ +2.7% |
| 2023 | 1.45x | $150.61 Million | $104.03 Million | ▼ -21.3% |
| 2022 | 1.84x | $195.86 Million | $106.51 Million | ▲ +48.0% |
| 2021 | 1.24x | $154.57 Million | $124.40 Million | ▲ +59.3% |
| 2020 | 0.78x | $60.65 Million | $77.76 Million | ▼ -34.6% |
| 2019 | 1.19x | $117.75 Million | $98.74 Million | ▼ -38.1% |
| 2018 | 1.93x | $129.61 Million | $67.28 Million | ▲ +68.8% |
| 2017 | 1.14x | $48.91 Million | $42.87 Million | ▼ -46.3% |
| 2016 | 2.12x | $62.01 Million | $29.20 Million | ▲ +59.3% |
| 2015 | 1.33x | $29.51 Million | $22.14 Million | ▼ -65.4% |
| 2014 | 3.85x | $21.95 Million | $5.70 Million | ▲ +301.8% |
| 2013 | 0.96x | $49.85 Million | $51.99 Million | ▼ -73.1% |
| 2011 | 3.56x | $23.74 Million | $6.67 Million | ▲ +107.6% |
| 2007 | 1.72x | $16.75 Million | $9.77 Million | ▲ +116.5% |
| 2006 | 0.79x | $18.90 Million | $23.85 Million | ▼ -31.0% |
| 2005 | 1.15x | $23.86 Million | $20.76 Million | ▼ -47.2% |
| 2004 | 2.18x | $32.49 Million | $14.92 Million | ▼ -73.2% |
| 2003 | 8.12x | $113.83 Million | $14.02 Million | ▲ +406.4% |
| 2002 | 1.60x | $24.52 Million | $15.29 Million | ▲ +28.1% |
| 2001 | 1.25x | $17.70 Million | $14.13 Million | ▲ +17.9% |
| 2000 | 1.06x | $12.84 Million | $12.09 Million | ▼ -16.1% |
| 1999 | 1.26x | $14.80 Million | $11.70 Million | ▼ -19.6% |
| 1998 | 1.57x | $15.10 Million | $9.60 Million | ▲ +26.5% |
| 1997 | 1.24x | $9.20 Million | $7.40 Million | ▼ -1.4% |
| 1996 | 1.26x | $11.10 Million | $8.80 Million | ▼ -19.4% |
| 1995 | 1.56x | $12.20 Million | $7.80 Million | ▲ +15.4% |
| 1994 | 1.35x | $8.40 Million | $6.20 Million | ▲ +15.4% |
| 1993 | 1.17x | $8.10 Million | $6.90 Million | ▼ -36.1% |
| 1992 | 1.84x | $11.20 Million | $6.10 Million | ▲ +14.3% |
| 1991 | 1.61x | $5.30 Million | $3.30 Million | — |