---
schema_version: "secwatch.filing_event.v1"
accession: "0000730708-25-000198"
form_type: "8-K"
ticker: "SBCF"
cik: "0000730708"
company_name: "SEACOAST BANKING CORP OF FLORIDA"
filed_at: "2025-09-08T23:59:59+00:00"
generated_at: "2026-05-17T07:48:16.083761+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- accession: 0000730708-25-000198
- form_type: 8-K
- ticker: SBCF
- cik: 0000730708
- company_name: SEACOAST BANKING CORP OF FLORIDA
- filed_at: 2025-09-08T23:59:59+00:00
- event_type: other_material
- 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/730708/000073070825000198/0000730708-25-000198-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/730708/000073070825000198/sbcf-20250903.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000730708-25-000198
- JSON: https://secwatch.observer/filing/0000730708-25-000198.json
- Plain text: https://secwatch.observer/filing/0000730708-25-000198.txt

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