Seacoast Q3 2025 EPS $0.42; adjusted EPS $0.52; organic loan growth 8% annualized

SEACOAST BANKING CORP OF FLORIDA

2025-Q3 EPS reported $1.28 vs consensus $0.46 ▲ beat (+179.5%)

Net income $36.5M ($0.42 diluted EPS) vs $30.7M in Q3 2024; adjusted net income $45.2M ($0.52) up 48% YoY.
7% annualized organic deposit growth and 8% annualized organic loan growth; net interest income $133.5M up 5% from Q2.
Tangible book value $17.61, up 9% YoY; Tier 1 capital ratio 14.5%; completed Heartland acquisition and closed Villages acquisition on Oct 1.
Merger-related charges of $10.8M included; adjusted efficiency ratio improved to 53.8% from 59.8% a year ago.

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