secwatch.observer — SEC 8-K summary
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Issuer:     SEACOAST BANKING CORP OF FLORIDA (SBCF)
CIK:        0000730708
Form:       8-K
Filed at:   2025-10-27T23:59:59+00:00
Accession:  0000730708-25-000210
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/730708/000073070825000210/0000730708-25-000210-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/730708/000073070825000210/sbcf-20251027.htm
  HTML page:      https://secwatch.observer/filing/0000730708-25-000210

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