---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-26-034576"
form_type: "8-K"
ticker: "SBCF"
cik: "0000730708"
company_name: "SEACOAST BANKING CORP OF FLORIDA"
filed_at: "2026-05-13T20:00:42+00:00"
generated_at: "2026-05-13T22:27:34.429924+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.3
calibrated_materiality_score: 0.3
confidence: "high"
source: SEC EDGAR
---

# Seacoast Banking reaffirms 2026 guidance; slight revenue growth low-end cut to 28%

## Summary
- Adjusted Q1 2026 EPS of $0.62, up 111% YoY and 42% from prior quarter.
- 2026 adjusted EPS guidance reaffirmed at $2.48-$2.52; revenue growth narrowed to 28%-31% from 29%-31%.
- Adjusted ROA target for 4Q'26 unchanged at 1.30%; adjusted ROTE target unchanged at 16.0%.
- Q1 adjusted net income $67.8M; net interest margin expanded 17bp to 3.83%.
- Tier 1 capital ratio 14.6%; loan-to-deposit ratio 76%.

## SEC filing metadata
- accession: 0001628280-26-034576
- form_type: 8-K
- ticker: SBCF
- cik: 0000730708
- company_name: SEACOAST BANKING CORP OF FLORIDA
- filed_at: 2026-05-13T20:00:42+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.3
- calibrated_materiality_score: 0.3
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/730708/000162828026034576/0001628280-26-034576-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/730708/000162828026034576/sbcf-20260513.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-034576
- JSON: https://secwatch.observer/filing/0001628280-26-034576.json
- Plain text: https://secwatch.observer/filing/0001628280-26-034576.txt

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