---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-26-007301"
form_type: "8-K"
ticker: "SBCF"
cik: "0000730708"
company_name: "SEACOAST BANKING CORP OF FLORIDA"
filed_at: "2026-02-11T23:59:59+00:00"
generated_at: "2026-05-16T03:27:09.164055+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- accession: 0001628280-26-007301
- form_type: 8-K
- ticker: SBCF
- cik: 0000730708
- company_name: SEACOAST BANKING CORP OF FLORIDA
- filed_at: 2026-02-11T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/730708/000162828026007301/0001628280-26-007301-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/730708/000162828026007301/sbcf-20260211.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-007301
- JSON: https://secwatch.observer/filing/0001628280-26-007301.json
- Plain text: https://secwatch.observer/filing/0001628280-26-007301.txt

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