---
schema_version: "secwatch.filing_event.v1"
accession: "0000730708-25-000210"
form_type: "8-K"
ticker: "SBCF"
cik: "0000730708"
company_name: "SEACOAST BANKING CORP OF FLORIDA"
filed_at: "2025-10-27T23:59:59+00:00"
generated_at: "2026-05-17T02:16:20.607260+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000730708-25-000210
- form_type: 8-K
- ticker: SBCF
- cik: 0000730708
- company_name: SEACOAST BANKING CORP OF FLORIDA
- filed_at: 2025-10-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/730708/000073070825000210/0000730708-25-000210-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/730708/000073070825000210/sbcf-20251027.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000730708-25-000210
- JSON: https://secwatch.observer/filing/0000730708-25-000210.json
- Plain text: https://secwatch.observer/filing/0000730708-25-000210.txt

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