---
schema_version: "secwatch.filing_event.v1"
accession: "0000730708-25-000018"
form_type: "8-K"
ticker: "SBCF"
cik: "0000730708"
company_name: "SEACOAST BANKING CORP OF FLORIDA"
filed_at: "2025-01-27T23:59:59+00:00"
generated_at: "2026-05-27T09:45:48.302095+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Seacoast Q4 net income $34.1M, adjusted EPS $0.48; NIM expands 22 bps to 3.39%

## Summary
- GAAP net income $34.1M ($0.40 diluted EPS); adjusted net income $40.6M ($0.48 diluted EPS).
- Net interest margin expanded 22 bps to 3.39%; cost of deposits declined 26 bps to 2.08%.
- Loans grew 3.7% annualized; record originations of $903M; loan yield 5.93%.
- Securities repositioning: $8M pre-tax loss on $113M sold; reinvested at 5.4% yield, <3-year earnback.
- Full-year 2024 net income $121M ($1.42 EPS) vs $104M ($1.23 EPS) in 2023.

## SEC filing metadata
- accession: 0000730708-25-000018
- form_type: 8-K
- ticker: SBCF
- cik: 0000730708
- company_name: SEACOAST BANKING CORP OF FLORIDA
- filed_at: 2025-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/730708/000073070825000018/0000730708-25-000018-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/730708/000073070825000018/sbcf-20250127.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000730708-25-000018
- JSON: https://secwatch.observer/filing/0000730708-25-000018.json
- Plain text: https://secwatch.observer/filing/0000730708-25-000018.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.