secwatch.observer — SEC 8-K summary
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Issuer:     SEACOAST BANKING CORP OF FLORIDA (SBCF)
CIK:        0000730708
Form:       8-K
Filed at:   2025-11-05T23:59:59+00:00
Accession:  0000730708-25-000217
Event type: m_and_a
Sentiment:  positive
Materiality: 0.85
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/730708/000073070825000217/0000730708-25-000217-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/730708/000073070825000217/sbcf-20251105.htm
  HTML page:      https://secwatch.observer/filing/0000730708-25-000217

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