{"schema_version":"secwatch.filing_event.v1","accession":"0000730708-24-000068","form_type":"8-K","ticker":"SBCF","cik":"0000730708","company_name":"SEACOAST BANKING CORP OF FLORIDA","filed_at":"2024-02-14T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.790532+00:00","generated_at":"2026-06-06T02:49:33.737372+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Seacoast Q4 net income $29.5M ($0.35 EPS); expense reduction phase 2 announced","bullets":["Net income $29.5M ($0.35 diluted EPS); adjusted net income $36.5M ($0.43 diluted EPS).","Noninterest expense down 8% QoQ; Q1 2024 expects ~$5M one-time charges and ~$15M annual savings.","Opportunistic securities sale: sold $82.9M (3% of portfolio) at 3.14%, reinvested at 6.05%; 1.3-year earnback.","Tangible book value per share up 23% annualized to $15.08; Tier 1 capital ratio 14.6%.","Net charge-offs increased to $12.7M (0.50% annualized) vs $3.2M prior quarter; NPLs rose to $65.1M (0.65% of loans)."],"urls":{"canonical":"https://secwatch.observer/filing/0000730708-24-000068","json":"https://secwatch.observer/filing/0000730708-24-000068.json","markdown":"https://secwatch.observer/filing/0000730708-24-000068.md","text":"https://secwatch.observer/filing/0000730708-24-000068.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/730708/000073070824000068/0000730708-24-000068-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/730708/000073070824000068/sbcf-20240214.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T02:49:33.737372+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}