Seacoast reports Q4 2025 adjusted EPS $0.44; completes VBI acquisition, organic loan growth 15%

SEACOAST BANKING CORP OF FLORIDA

Net income $34.3M ($0.31 diluted); adjusted net income $47.7M ($0.44 diluted) includes $23.4M day-one credit provisions from VBI.
Net interest income $174.6M (+31% QoQ, +51% YoY); NIM expanded 9 bps to 3.66% (ex-accretion 3.44%).
Completed VBI acquisition Oct 1, 2025: added $4.4B assets, $1.2B loans, $3.5B deposits; 51% market share in The Villages.
Wealth management AUM $2.8B (+37% YoY); added $549M organic AUM in 2025.
Organic loan growth 15% annualized in Q4; commercial pipeline $948M; cost of deposits down 14 bps to 1.67%.

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