---
schema_version: "secwatch.filing_event.v1"
accession: "0000730708-25-000025"
form_type: "8-K"
ticker: "SBCF"
cik: "0000730708"
company_name: "SEACOAST BANKING CORP OF FLORIDA"
filed_at: "2025-02-12T23:59:59+00:00"
generated_at: "2026-05-26T23:08:21.929000+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Seacoast Q4 2024 net income $34.1M ($0.40 EPS); adjusted EPS $0.48; NIM expands 22bp to 3.39%

## Summary
- Net income $34.1M ($0.40 EPS); adjusted $40.6M ($0.48 EPS); both up QoQ.
- Net interest income $115.8M (+9% QoQ); NIM expanded 22bp to 3.39%; cost of deposits down 26bp to 2.08%.
- Adjusted noninterest income $25.5M (+8% QoQ); $8M pre-tax loss on securities repositioning reinvested at 5.4% yield.
- Loans grew 3.7% annualized; record originations $903M; AUM $2.1B (+20% YoY).
- Tangible book value $16.12 (+7% YoY); Tier 1 capital 14.8%; ROTCE 10.9% GAAP, 12.7% adjusted.

## SEC filing metadata
- accession: 0000730708-25-000025
- form_type: 8-K
- ticker: SBCF
- cik: 0000730708
- company_name: SEACOAST BANKING CORP OF FLORIDA
- filed_at: 2025-02-12T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/730708/000073070825000025/0000730708-25-000025-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/730708/000073070825000025/sbcf-20250212.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000730708-25-000025
- JSON: https://secwatch.observer/filing/0000730708-25-000025.json
- Plain text: https://secwatch.observer/filing/0000730708-25-000025.txt

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