---
schema_version: "secwatch.filing_event.v1"
accession: "0000730708-25-000217"
form_type: "8-K"
ticker: "SBCF"
cik: "0000730708"
company_name: "SEACOAST BANKING CORP OF FLORIDA"
filed_at: "2025-11-05T23:59:59+00:00"
generated_at: "2026-05-17T00:27:33.067355+00:00"
event_type: "m_and_a"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Seacoast reports Q3 net income $36.5M; closes Villages acquisition, pro forma EPS accretion ~24%

## Summary
- Q3 2025 net income $36.5M ($0.42 EPS); adjusted net income up 48% YoY.
- Completed Heartland acquisition in Q3 and Villages acquisition on Oct 1; Villages adds $4.1B assets, $3.5B low-cost deposits.
- Pro forma 2026 EPS accretion ~24%; TBV earnback ~2.8 years; IRR >25%.
- Net interest income $133.5M, up 5% from prior quarter; NIM ex-accretion 3.32%.
- Tangible book value $17.61, up 9% YoY; Tier 1 capital 14.5%.

## SEC filing metadata
- accession: 0000730708-25-000217
- form_type: 8-K
- ticker: SBCF
- cik: 0000730708
- company_name: SEACOAST BANKING CORP OF FLORIDA
- filed_at: 2025-11-05T23:59:59+00:00
- event_type: m_and_a
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/730708/000073070825000217/0000730708-25-000217-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/730708/000073070825000217/sbcf-20251105.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000730708-25-000217
- JSON: https://secwatch.observer/filing/0000730708-25-000217.json
- Plain text: https://secwatch.observer/filing/0000730708-25-000217.txt

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