Every 8-K that Seacoast Banking Corp of Florida (SBCF) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow SBCF and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full SBCF filings page.
Seacoast Banking Corporation of Florida (SBCF) provided a second‑quarter 2026 update and outlook, reporting net income of $59.5 million, or $0.55 per diluted share, up 87% from the prior quarter and 39% year over year; adjusted net income was $65.8 million, or $0.61 per diluted share.
Net interest income rose to $182.2 million, up 2% sequentially and 42% from a year earlier, with a stable net interest margin of 3.83% and an eight‑basis‑point expansion in core margin excluding acquisition accretion. Loans grew at a 16% annualized pace to $13.1 billion, while deposits increased at a 3.7% annualized rate to $16.8 billion; the cost of deposits edged down to 1.53%. Asset quality remained strong, with net charge‑offs of 0.10% of average loans and an allowance for credit losses of 1.38% of loans, plus an additional 0.98% in unrecognized discounts on acquired loans.
Capital metrics are described as robust, including a Tier 1 capital ratio of 14.3%, tangible equity to tangible assets of 9.3%, and adjusted return on tangible equity of 15.79%. Wealth management assets under management reached $3.2 billion, up 45% year over year, aided by $388 million of new organic assets in the first half of 2026. For full‑year 2026, Seacoast targets 28%–31% adjusted revenue growth, adjusted diluted EPS of $2.48–$2.52 versus $1.84 in 2025, and an adjusted efficiency ratio of 53%–55%, assuming no further Fed funds changes and a stable economic environment.
Seacoast Banking Corporation of Florida reported Q2 2026 net income of $59.5 million, or $0.55 per diluted share, up 87% from the prior quarter and 39% from a year earlier. Adjusted net income was $65.8 million, or $0.61 per diluted share. Net revenues were $208.2 million, with net interest income of $180.4 million, up 42% year over year.
Net interest margin held at 3.83%, and excluding accretion on acquired loans rose to 3.65%. Loans grew at a 16% annualized rate, while deposits increased 3.7% annualized and cost of deposits fell to 1.53%. Asset quality remained solid, with nonperforming loans at 0.66% of total loans and net charge-offs of $3.2 million. The balance sheet showed $21.4 billion in assets, a Tier 1 capital ratio of 14.3%, tangible equity to tangible assets of 9.25%, and $9.2 billion of available borrowing capacity. The company repurchased 751,680 shares in the quarter.
Seacoast Banking Corporation of Florida reported that longtime director H. Gilbert Culbreth, Jr. has decided to resign from its Board of Directors, effective June 15, 2026, for personal reasons. The company states his decision is not due to any disagreement with the organization.
Mr. Culbreth, who joined the Board in 2008 and served on the compensation and governance committee, will continue to serve on the Board of Seacoast’s principal operating subsidiary, Seacoast National Bank. The company expresses appreciation for his years of service at the holding-company level.
Seacoast Banking Corporation of Florida reported the results of its 2026 Annual Meeting of Shareholders. Of the 97,657,404 common shares outstanding as of the record date, 86,561,253 were represented in person or by proxy, indicating strong shareholder participation.
Shareholders elected five Class III directors by plurality vote and approved an amendment to the Amended and Restated Articles of Incorporation to declassify the board of directors, with 74,322,292 votes for, 54,450 against, and 38,378 abstentions. This moves the company toward annual election of all directors over time.
Investors also approved, on an advisory and non-binding basis, the compensation of named executive officers, with 72,732,371 votes for and 1,512,734 against, and ratified the appointment of Crowe LLP as independent auditors for the year ending December 31, 2026. Following the meeting, management discussed business strategy, financial performance, recent developments, and future opportunities with shareholders in attendance.
Seacoast Banking Corporation of Florida used an investor presentation to outline its strategy, report strong first‑quarter 2026 trends, and highlight the acquisition of Villages Bancorporation, holding company of Citizens First Bank.
The Villages deal added $4.4 billion of assets, $1.2 billion of loans and $3.5 billion of low‑cost deposits, creating a roughly $21 billion‑asset franchise and driving an expected ~24% earnings accretion. First‑quarter 2026 adjusted net income was $67.8 million, or $0.62 per diluted share, up 42% from the prior quarter and 111% from a year earlier, despite a $39.5 million strategic loss on securities repositioning that raised securities yields.
Net interest income was $178.2 million with a 3.83% net interest margin, while deposits reached $16.6 billion and grew 9.5% annualized, including 29% annualized growth in noninterest‑bearing balances. Capital and asset quality remained strong, with a Tier 1 ratio of 14.6%, a 1.39% allowance for credit losses on $12.6 billion of loans, low net charge‑offs, and criticized and classified loans at 2.82% of total loans.
Seacoast Banking Corporation of Florida reported first quarter 2026 results showing stronger core earnings and improved margins. Net income was $31.9 million, including a $39.5 million loss from a strategic sale of low‑yield securities, while adjusted net income rose to $67.8 million, or $0.62 per share.
Net revenues were $163.9 million on a GAAP basis and $205.1 million adjusted, with net interest income up to $176.5 million and net interest margin expanding to 3.83% as deposit costs fell to 1.54%. Organic deposits grew at a 7% annualized rate, noninterest‑bearing deposits at 29% annualized, and loans reached $12.6 billion amid disciplined growth and higher payoffs.
Asset quality remained solid, with net charge‑offs of $3.3 million (0.11% annualized) and an allowance equal to 1.39% of loans. Capital and liquidity were strong, including a Tier 1 capital ratio of 14.6%, tangible equity to tangible assets of 9.24%, total assets of $21.1 billion, and deposits of $16.6 billion. The company also repurchased 317,628 common shares during the quarter.
Seacoast Banking Corporation of Florida expanded its board of directors from eleven to fourteen members by appointing Michael E. Griffin, Kathleen B. Kay and Randolph A. Moore, III, as independent directors of both the company and Seacoast National Bank, effective immediately. The new directors will stand for election as Class III directors at the 2026 annual meeting and have been assigned to key board committees, including audit, risk, technology, compensation, corporate development and trust and wealth committees.
Griffin adds more than 22 years of senior commercial real estate experience in Florida, Kay contributes over 30 years of technology and cybersecurity leadership in financial services and other industries, and Moore brings more than 30 years of legal, M&A and governance experience focused on financial institutions. Seacoast highlighted this board refresh as part of its succession planning and governance strategy, supporting long-term oversight as the bank operates with approximately $20.8 billion in assets and $16.3 billion in deposits as of December 31, 2025.
Seacoast Banking Corporation of Florida furnished an investor presentation detailing recent performance, the Villages Bancorporation acquisition, and its 2026 outlook. For the fourth quarter of 2025, net income was $34.3 million ($0.31 per diluted share) and adjusted net income was $47.7 million ($0.44 per diluted share), including day-one credit provisions from the Villages Bancorporation, Inc. (“VBI”) acquisition.
Net interest income rose to $176.2 million, with net interest margin expanding to 3.66% and 3.44% excluding accretion on acquired loans. Loans ended the quarter at $12.6 billion and deposits at $16.3 billion, aided by adding $4.4 billion of assets and $3.5 billion of low-cost deposits from VBI. Capital remained strong with a Tier 1 capital ratio of 14.5% and tangible equity to tangible assets of 9.3%.
Wealth management assets under management reached $2.8 billion, up 37% year over year. For 2025, adjusted diluted EPS was $1.84. The company’s 2026 outlook targets 29%–31% adjusted revenue growth and adjusted diluted EPS of $2.48–$2.52, along with high single digit organic loan growth and low to mid single digit organic deposit growth.
Seacoast Banking Corporation of Florida reported year-end 2025 results and described a significant investment portfolio move. The company sold available-for-sale securities with an average book yield of 1.9%, realizing a pre-tax loss of about $39.5 million, and reinvested roughly $277 million of proceeds into primarily agency mortgage-backed securities yielding 4.8% on a taxable equivalent basis.
Seacoast is also holding an investor conference call to discuss its quarter and year ended December 31, 2025, supported by presentation materials made available on its website.
Seacoast Banking Corporation of Florida furnished an investor presentation and announced plans to hold one‑on‑one investor meetings in November 2025. The presentation, attached as Exhibit 99.1 and available at www.seacoastbanking.com, outlines the company’s business strategy, financial performance, recent developments, and future opportunities.
The materials are provided under Item 7.01 (Regulation FD) and are deemed “furnished,” not “filed,” which limits their use under the Exchange Act. Information is presented as of the dates indicated, and the company does not assume an obligation to update it.
Seacoast Banking Corporation of Florida announced its financial results for the quarter ended September 30, 2025. The company will host an investor conference call on October 28, 2025 to discuss the quarter. Related materials were furnished as Exhibits 99.1 (press release) and 99.2 (presentation) and are incorporated by reference. The disclosures are provided under Items 2.02 and 7.01 of an 8-K and are furnished, not filed.
Seacoast Banking Corporation of Florida completed its merger with Villages Bancorporation, Inc., parent of Citizens First Bank, effective October 1, 2025. The transaction’s final consideration was approximately $829 million.
Under the terms, each VBI share converted into the right to receive either $1,000.00 in cash, 38.5000 shares of Seacoast common stock, or a mix, with a proration so that 25% of shares received cash and 75% received stock. If any holder would have exceeded 9.75% of cumulative outstanding Seacoast common stock, Seacoast issued non‑voting convertible preferred in lieu of the excess common.
To support this, Seacoast created Series A Non‑Voting Preferred Stock via a Certificate of Designations, fixing the authorized number at 11,250 shares. Seacoast National Bank and The Villages amended and restated a Developer Support Agreement that restricts new town center bank branch space to Citizens First Bank or SNB. Audited VBI financials and unaudited pro forma combined information were included as exhibits.
Seacoast Banking Corporation of Florida (SBCF) furnished a current report on Form 8-K that includes a presentation attached as Exhibit 99.1 and posted on the company website at www.seacoastbanking.com. The filing states the presentation reflects information "as of the dates indicated," that the company does not assume an obligation to update it, and disclaims any inference about materiality from furnishing the material.
The submission follows standard 8-K disclosure practice: the exhibit is furnished (not "filed" for Section 18 purposes) and is incorporated by reference only where expressly stated in later filings. No financial tables, earnings data, major transactions, or quantitative metrics are included in the provided text.
Seacoast Banking Corp. of Florida has filed a registration statement on Form S-4 with the SEC in connection with a proposed merger that would combine Villages Bancorporation, Inc. and Citizens First Bank with and into Seacoast and Seacoast National Bank, respectively. The filing includes a proxy statement for Villages Bancorporation and a prospectus for Seacoast; a definitive proxy statement/prospectus has been mailed to Villages shareholders. The company notes that the communication is not an offer or solicitation and urges investors to read the proxy/prospectus and related SEC filings, which are available free at www.sec.gov or by contacting Seacoast Investor Relations at (772) 288-6085. A press release is attached as Exhibit 99.1.