SBCF targets ~24% EPS accretion from VBI deal; Q2 adj EPS $0.52, NIM expands

SEACOAST BANKING CORP OF FLORIDA

Q2 2025 net income $42.7M ($0.50 diluted EPS); adjusted EPS $0.52; loans grew 6.4% annualized.
Acquisition of Villages Bancorp (Citizens First Bank) expected Q4 2025; adds $4.1B assets, $3.5B deposits, ~24% EPS accretion.
Completed Heartland Bancshares acquisition on July 11, 2025, adding ~$777M in assets and four branches.
Wealth management AUM $2.2B (+16% YoY); tangible book value per share $17.19 (+12% YoY).
Capital remains strong: Tier 1 ratio 14.6%, TCE/tangible assets 9.8%.

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