Every material Form 8-K Seacoast Banking Corporation of Florida has filed with the SEC since July 25, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Seacoast Banking Corporation of Florida furnished an investor presentation for its one-on-one investor meetings, showing third quarter 2026 net income of $59.9 million, or $0.55 per share, up 64% from the prior-year quarter. Adjusted net income was $71.8 million, or $0.66 per share, and the company's full-year 2026 adjusted EPS outlook is $2.48 to $2.52. The presentation is unaudited for these measures and is furnished rather than filed, so shareholders should review the full investor materials.
Third quarter 2026 net income was $59.9 million, or $0.55 per share, up 1% from the prior quarter and 64% from the prior-year quarter.
Adjusted net income was $71.8 million, or $0.66 per share, up 9% from the prior quarter.
Full-year 2026 adjusted EPS outlook is $2.48 to $2.52, versus $1.84 in 2025; noninterest expense was $133.3 million, including $15.5 million of merger and integration costs.
Tier 1 capital ratio was 14.1% at quarter end, and over 1.2 million shares were repurchased year to date.
Seacoast Banking Corporation of Florida reported unaudited third-quarter 2026 results, with net income of $59.9 million, or $0.55 per diluted share, up from $36.5 million a year earlier and flat per share from the prior quarter. Net revenues rose 3% from the prior quarter to $215.0 million, but book value per share fell to $26.83 from $28.20 as higher rates reduced the value of its securities portfolio, and the efficiency ratio worsened to 61.0% from 58.5%.
Net income $59.9 million, or $0.55 per diluted share, versus $59.5 million, or $0.55, in Q2 2026 and $36.5 million, or $0.42, in Q3 2025
Adjusted net income (non-GAAP) of $71.8 million, or $0.66 per diluted share, up from $65.8 million, or $0.61, in the prior quarter
Net interest margin stable at 3.83%; total deposits fell to $16.6 billion from $16.8 billion; book value per share fell to $26.83 from $28.20
Merger and integration costs of $15.5 million; nonperforming loans decreased to $73.3 million from $86.5 million
Seacoast Banking Corporation of Florida reported second-quarter 2026 net income of $59.5 million, or $0.55 per diluted share, up from $31.9 million in the first quarter and $42.7 million a year earlier. Adjusted net income was $65.8 million, or $0.61 per share, down from $67.8 million, or $0.62, in the prior quarter. Net revenues rose 27% from the prior quarter to $208.2 million, though the first quarter included a $39.5 million securities repositioning loss.
Net income of $59.5 million, or $0.55 per diluted share, versus $31.9 million, or $0.29, in Q1 2026 and $42.7 million, or $0.50, in Q2 2025
Adjusted net income of $65.8 million, or $0.61 per diluted share, versus $67.8 million, or $0.62, in Q1 2026
Net revenues of $208.2 million, up 27% from Q1 2026 and 38% from Q2 2025
Net interest margin was 3.83%, stable from Q1 2026; the company repurchased 751,680 shares in the quarter
Seacoast Banking Corporation of Florida disclosed that director H. Gilbert Culbreth Jr. notified the company on May 27, 2026, of his decision to resign from its Board of Directors, effective June 15, 2026. He will remain on the board of its principal operating subsidiary, Seacoast National Bank, and the company said the resignation was for personal reasons and not due to any disagreement.
Resignation notified May 27, 2026; effective June 15, 2026
Culbreth was appointed to the Company's Board in 2008 and sat on the compensation and governance committee
Culbreth will remain on the board of Seacoast National Bank
Company states the resignation was for personal reasons and not a result of any disagreement
Seacoast reported first-quarter 2026 net income of $31.9 million, which included a pre-tax loss of approximately $39.5 million from a January securities repositioning. Adjusted net income was $67.8 million, or $0.62 per share, and management said its 2026 guidance remains on track. Nonperforming loans rose 30% in the quarter to $95.0 million, which shareholders may want to watch.
Net income of $31.9 million included a $39.5 million loss from selling about $277.0 million in securities in January 2026
Adjusted net income of $67.8 million, or $0.62 per share, rose 42% from the prior quarter and 111% from the prior year quarter
Net interest margin rose 17 basis points to 3.83% from 3.66% in the fourth quarter of 2025
Nonperforming loans were $95.0 million at March 31, 2026, up $23.0 million from $76.3 million at December 31, 2025
Seacoast Banking Corporation of Florida increased its board from eleven to fourteen members on March 26, 2026, appointing Michael E. Griffin, Kathleen B. Kay and Randolph A. Moore, III, effective immediately. The company said the additions bring real estate, technology, information security and legal expertise and support succession planning. The filing also discloses that Mr. Moore's former law firm, Alston & Bird, LLP, received approximately $2,735,332 from Seacoast in 2025 for legal services.
Board size increased from eleven to fourteen; three directors appointed effective March 26, 2026
Mr. Griffin joins the audit committee; Ms. Kay joins the audit, compensation and governance, and information and technology committees
Seacoast paid Alston & Bird, LLP approximately $2,735,332 for legal services in 2025; Mr. Moore is a former senior partner at the firm
The three directors will stand for election as Class III directors at the 2026 annual meeting
Seacoast reported fourth-quarter 2025 net income of $34.3 million and net revenues of $203.3 million, up 53% from a year earlier, following its acquisition of Villages Bancorporation, which closed October 1, 2025. Results included $18.1 million in merger and integration costs and $23.4 million in day-one credit provisions tied to that deal. The company also disclosed a pre-tax loss of about $39.5 million from a January 2026 securities sale, which will affect first-quarter 2026 results.
Net revenues were $203.3 million, up $70.4 million, or 53%, from the fourth quarter of 2024.
Net income of $34.3 million included $18.1 million in merger and integration costs and $23.4 million in day-one credit provisions.
Adjusted pre-tax pre-provision earnings were $93.2 million, up 65% from the fourth quarter of 2024.
On January 23, 2026, the company sold securities with a 1.9% average book yield, a pre-tax loss of about $39.5 million, and reinvested about $277 million at a 4.8% yield.
Seacoast Banking Corporation of Florida reported third-quarter 2025 net income of $36.5 million, or $0.42 per diluted share, up 19% from a year earlier but down from $42.7 million, or $0.50 per share, in the second quarter. Results included $10.8 million in merger-related charges; adjusted net income was $45.2 million, or $0.52 per share. The company also completed its Villages Bancorporation acquisition on October 1, 2025, which the filing says adds about $4 billion in assets.
Net income was $36.5 million, or $0.42 per diluted share, versus $42.7 million, or $0.50, in Q2 2025 and $30.7 million, or $0.36, in Q3 2024.
Net income included $10.8 million in merger-related charges; adjusted net income was $45.2 million, or $0.52 per diluted share.
Net revenues were $157.3 million, up 4% from the prior quarter and 21% from the prior year quarter.
Villages Bancorporation closed October 1, 2025, adding 19 branches and about $4 billion in assets; Heartland Bancshares closed July 11, 2025.
Effective October 1, 2025, Seacoast Banking Corporation of Florida completed its merger with Villages Bancorporation, Inc., parent of Citizens First Bank, with a final consideration of approximately $829 million. The filing also creates Series A Non-Voting Preferred Stock for holders above a 9.75% ownership threshold and amends a Developer Support Agreement with The Villages limiting new bank branch space to Citizens First Bank or Seacoast National Bank, which shareholders may consider when assessing the deal's effect on share count and market presence.
Merger effective October 1, 2025; VBI merged into Seacoast and Citizens First Bank merged into Seacoast National Bank.
VBI shareholders could elect $1,000.00 in cash or 38.5000 Seacoast common shares, or a 25%-75% cash and stock combination, with final consideration of approximately $829 million.
Series A Non-Voting Preferred Stock authorized at 11,250 shares, issued in place of common shares for any holder receiving more than 9.75% of outstanding Seacoast common stock.
Citizens First Bank operated 19 branches with deposits of approximately $3.5 billion as of June 30, 2025, according to the press release.
Seacoast reported second-quarter 2025 net income of $42.7 million, or $0.50 per diluted share, up from $31.5 million, or $0.37, in the first quarter and $30.2 million, or $0.36, a year earlier. Net interest margin rose to 3.58% and net revenues grew 8% from the prior quarter, while the provision for credit losses fell to $4.4 million from $9.3 million. The company also completed its $111.2 million Heartland Bancshares acquisition on July 11, 2025, and expects the proposed Villages Bancorporation deal to close in the fourth quarter of 2025.
Net income was $42.7 million, or $0.50 per diluted share, versus $31.5 million, or $0.37, in Q1 2025 and $30.2 million, or $0.36, in Q2 2024.
Net interest margin increased 10 basis points to 3.58% from 3.48% in Q1 2025; net interest income totaled $126.9 million.
Total deposits decreased $77.2 million to $12.5 billion at June 30, 2025, while loans increased $165.8 million to $10.6 billion.
Heartland Bancshares acquisition closed July 11, 2025; the Villages Bancorporation acquisition is expected to close in Q4 2025.
Seacoast Banking Corporation of Florida completed its acquisition of Heartland Bancshares, Inc., parent of Heartland National Bank, effective July 11, 2025, and merged Heartland National Bank into Seacoast National Bank. The filing says the deal adds Heartland's leading deposit share in Highlands County, Florida, with deposits of approximately $665.9 million and net loans of approximately $156.6 million as of March 31, 2025.
Final consideration of approximately $111.2 million, paid as a 50-50 mix of cash and stock
Heartland had approximately $665.9 million in deposits and $156.6 million in total consolidated net loans as of March 31, 2025
Merger agreement dated February 27, 2025; Heartland National Bank merged into Seacoast National Bank, effective July 11, 2025
Chairman and CEO Charles M. Shaffer said the deal expands Seacoast's presence in Central Florida
Seacoast Banking Corporation of Florida and Seacoast National Bank signed a merger agreement on May 29, 2025 to acquire Villages Bancorporation and its subsidiary Citizens First Bank. Each VBI share can be exchanged for $1,000 in cash or 38.5 Seacoast common shares, with a 25% cash and 75% stock mix applied, and the company estimates the implied transaction value at $710.8 million. Closing is anticipated in the fourth quarter of 2025, subject to VBI shareholder and regulatory approvals, and the filing states there will be no changes to Seacoast's board or executive leadership.
Implied aggregate transaction value of $710.8 million; consideration is 25% cash and 75% stock
Each VBI share may be exchanged for $1,000 in cash or 38.5000 Seacoast common shares, subject to proration
Presentation shows approximately 81% Seacoast and 19% VBI ownership on a fully converted basis
VBI would pay a $31.4 million termination fee in certain circumstances; closing anticipated in Q4 2025
Seacoast Banking Corporation of Florida reported first-quarter 2025 net income of $31.5 million, or $0.37 per diluted share, up from $26.0 million a year earlier but down from $34.1 million in the fourth quarter of 2024. Net revenues rose 12% from a year earlier to $140.7 million, while adjusted net income fell from the prior quarter, and the company also disclosed a proposed acquisition of Heartland Bancshares expected to close in the third quarter of 2025.
Net income $31.5 million, or $0.37 per diluted share, versus $34.1 million, or $0.40, in Q4 2024 and $26.0 million, or $0.31, in Q1 2024
Adjusted net income $32.1 million, or $0.38 per diluted share, versus $40.6 million, or $0.48, in Q4 2024
Net revenues $140.7 million, up 6% from Q4 2024 and up 12% from Q1 2024; net interest margin rose nine basis points to 3.48%
Provision for credit losses $9.3 million versus $3.7 million in Q4 2024; proposed Heartland Bancshares acquisition expected to close in Q3 2025
On February 27, 2025, Seacoast Banking Corporation of Florida agreed to acquire Heartland Bancshares, Inc. through a merger, with Heartland National Bank merging into Seacoast National Bank. Heartland shareholders may receive $147.10 in cash, 4.9164 Seacoast shares, or a 50-50 mix per share, subject to a price collar and closing conditions, including Heartland shareholder approval and regulatory consents. The deal would issue new Seacoast common stock, so it matters to Seacoast shareholders as well as Heartland holders.
Merger agreement dated February 27, 2025, with Heartland Bancshares, Inc. and Heartland National Bank.
Heartland shareholders can elect $147.10 in cash or 4.9164 Seacoast shares per share, or a 50-50 mix; the stock portion is subject to a price collar based on a ten-day average closing price.
Seacoast may terminate if its ten-day VWAP is $23.94 or less and Heartland does not elect to fix the exchange ratio at 5.2237; Heartland would pay a $4.50 million termination fee in certain circumstances.
Seacoast Banking Corporation of Florida reported fourth-quarter and full-year 2024 results, with GAAP net income up from both the prior quarter and the prior year quarter. Full-year 2024 GAAP net income rose to $121.0 million from $104.0 million in 2023, while full-year adjusted net income was slightly lower than in 2023 and full-year net revenues declined 9%.
Q4 2024 net income was $34.1 million, or $0.40 per diluted share, compared with $30.7 million, or $0.36, in Q3 2024 and $29.5 million, or $0.35, in Q4 2023.
Full-year 2024 net income was $121.0 million, or $1.42 per diluted share, versus $104.0 million, or $1.23, in 2023. Full-year adjusted net income was $132.5 million, or $1.56 per share, versus $133.2 million, or $1.58.
Q4 2024 net revenues were $132.9 million, up 4% from the prior year quarter. Full-year net revenues were $515.4 million, down 9% from 2023.
Q4 2024 included an $8.0 million loss on repositioning part of the available-for-sale securities portfolio. Net interest margin rose to 3.39% from 3.17% in Q3 2024.
Seacoast Banking reported third-quarter 2024 net income of $30.7 million, or $0.36 per diluted share, roughly flat from the prior quarter and down from $0.37 a year earlier. Net revenues rose 3% from the prior quarter but fell 5% from a year earlier. The company also disclosed an approximately $8.0 million pre-tax loss from an October securities sale and a possible fourth-quarter provision of $5 million to $10 million tied to Hurricane Milton, both of which could weigh on near-term earnings.
Net income $30.7 million, or $0.36 per diluted share, versus $30.2 million ($0.36) in Q2 2024 and $31.4 million ($0.37) in Q3 2023
Net revenues $130.3 million, up 3% from Q2 2024 and down 5% from Q3 2023
October sale of securities with a pre-tax loss of approximately $8.0 million, impacting fourth-quarter results; proceeds of approximately $113 million reinvested at a 5.4% average book yield
Additional fourth-quarter provision for credit losses for Hurricane Milton may be between approximately $5 million and $10 million
Seacoast Banking Corporation of Florida reported second-quarter 2024 net income of $30.2 million, or $0.36 per diluted share, up from $26.0 million, or $0.31, in the first quarter but down from $31.2 million, or $0.37, a year earlier. Net revenues rose 1% from the prior quarter but fell 15% from the prior year, and the net interest margin narrowed to 3.18%.
Net income $30.2 million, $0.36 per diluted share, versus $26.0 million, $0.31 in Q1 2024 and $31.2 million, $0.37 in Q2 2023
Net revenues $126.6 million, up 1% from Q1 2024 and down 15% from Q2 2023
Net interest margin fell to 3.18% from 3.24% in Q1 2024; noninterest expense fell 9% from Q1 to $82.5 million
Total deposits $12.1 billion and loans $10.0 billion at June 30, 2024; loan pipelines rose 46% from March 31, 2024
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