Seacoast Banking Corporation of Florida (SBCF) — Defensive Interval Ratio
Seacoast Banking Corporation of Florida (SBCF) has a Defensive Interval Ratio of 140 days as of December 2025. Defensive assets of $5.16 Billion (cash $-, short-term investments $5.16 Billion, receivables $-) cover 140 days of daily cash needs of $36.77 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Seacoast Banking Corporation of Florida Defensive Interval Ratio (1999–2025)
This chart shows how Seacoast Banking Corporation of Florida's Defensive Interval Ratio has evolved across 27 annual periods from 1999 to 2025. As of December 2025, the ratio stands at 140 days, meaning defensive assets of $5.16 Billion can fund 140 days of operations without new revenue. For the complete balance sheet picture, see SBCF asset base.
Annual Defensive Interval Ratio for Seacoast Banking Corporation of Florida (1999–2025)
The table below presents the year-by-year Defensive Interval Ratio for Seacoast Banking Corporation of Florida from 1999 to 2025, covering 27 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See working capital position of Seacoast Banking Corporation of Florida to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 140 days | $5.16 Billion | $36.77 Million/day | $- | $5.16 Billion | ▲ +76 days |
| 2024 | 64 days | $2.19 Billion | $34.18 Million/day | $- | $2.19 Billion | ▲ +9 days |
| 2023 | 55 days | $1.84 Billion | $33.29 Million/day | $- | $1.84 Billion | ▼ -24 days |
| 2022 | 79 days | $1.87 Billion | $23.70 Million/day | $- | $1.87 Billion | ▼ -10 days |
| 2021 | 89 days | $1.64 Billion | $18.48 Million/day | $- | $1.64 Billion | ▼ -375 days |
| 2020 | 464 days | $7.04 Billion | $15.17 Million/day | $- | $1.40 Billion | ▲ +406 days |
| 2019 | 58 days | $946.86 Million | $16.21 Million/day | $- | $946.86 Million | ▼ -14 days |
| 2018 | 73 days | $865.83 Million | $11.92 Million/day | $- | $865.83 Million | ▼ -19 days |
| 2017 | 92 days | $955.80 Million | $10.43 Million/day | $- | $955.80 Million | ▼ -9 days |
| 2016 | 101 days | $950.50 Million | $9.44 Million/day | $- | $950.50 Million | ▲ +5 days |
| 2015 | 96 days | $790.77 Million | $8.26 Million/day | $- | $790.77 Million | ▼ -6 days |
| 2014 | 102 days | $741.38 Million | $7.26 Million/day | $- | $741.38 Million | ▼ -18 days |
| 2013 | 120 days | $641.61 Million | $5.36 Million/day | $- | $641.61 Million | ▼ -4 days |
| 2012 | 124 days | $643.05 Million | $5.19 Million/day | $- | $643.05 Million | ▼ -4 days |
| 2011 | 128 days | $648.36 Million | $5.08 Million/day | $- | $648.36 Million | ▲ +91 days |
| 2010 | 37 days | $176.05 Million | $4.75 Million/day | $- | $176.05 Million | ▲ +2 days |
| 2009 | 35 days | $182.90 Million | $5.16 Million/day | $- | $182.90 Million | ▲ +35 days |
| 2008 | 1 days | $4.61 Million | $5.39 Million/day | $- | $4.61 Million | ▼ -10 days |
| 2007 | 11 days | $61.90 Million | $5.69 Million/day | $- | $61.90 Million | ▲ +10 days |
| 2006 | 0 days | $2.41 Million | $5.75 Million/day | $- | $2.41 Million | ▼ -29 days |
| 2005 | 30 days | $153.12 Million | $5.15 Million/day | $- | $153.12 Million | ▲ +19 days |
| 2004 | 11 days | $44.76 Million | $4.00 Million/day | $- | $44.76 Million | ▲ +11 days |
| 2003 | 0 days | $255.00K | $3.30 Million/day | $- | $255.00K | ▼ 0 days |
| 2002 | 0 days | $251.00K | $3.11 Million/day | $- | $251.00K | ▼ -15 days |
| 2001 | 15 days | $45.01 Million | $2.98 Million/day | $- | $45.01 Million | ▲ +1 days |
| 2000 | 14 days | $39.00 Million | $2.80 Million/day | $- | $39.00 Million | ▲ +6 days |
| 1999 | 8 days | $20.00 Million | $2.67 Million/day | $- | $20.00 Million | — |