secwatch.observer — SEC 8-K summary
======================================

Issuer:     SEACOAST BANKING CORP OF FLORIDA (SBCF)
CIK:        0000730708
Form:       8-K
Filed at:   2025-09-08T23:59:59+00:00
Accession:  0000730708-25-000198
Event type: other_material
Sentiment:  positive
Materiality: 0.80
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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%.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/730708/000073070825000198/0000730708-25-000198-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/730708/000073070825000198/sbcf-20250903.htm
  HTML page:      https://secwatch.observer/filing/0000730708-25-000198

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer