Seacoast Banking Director Adds to Stake – Form 4 Breakdown

Rhea-AI Filing Summary

Seacoast Banking Corp. of Florida (SBCF) – Form 4 insider activity

Director Jacqueline L. Bradley reported a 31 Jul 2025 acquisition of 2,218 shares of SBCF common stock. The restricted shares, valued at a reference price of $28.19, were granted under the 2021 Incentive Plan and deferred into the Directors Deferred Compensation Plan (Instr. 1). After the grant, Bradley’s direct beneficial ownership rose to 28,261.5752 shares.

No open-market sales were disclosed; derivative positions were unchanged and total 8,503 options exercisable at $14.39-$35.78, expiring 2026-2032. A net purchase by a non-employee director typically signals board-level confidence, though the ~$62 k transaction is immaterial relative to SBCF’s market value.

Positive

• Director increased direct holdings by 2,218 shares, indicating confidence.
• No concurrent sales, resulting in a net ownership gain.

Negative

• Purchase stems from an incentive grant rather than open-market buying, limiting personal capital at risk.
• Transaction size (~$62 k) is immaterial relative to SBCF’s market capitalization.

Insights

Securities Analyst

TL;DR: Net insider purchase; modest size but directionally positive.

The filing shows a clear increase in the director’s equity stake via restricted stock, lifting ownership to roughly 28.3 k shares. No dispositions accompany the grant, so the transaction is unequivocally additive. While only ~US$62 k, historical studies show insider buys outperform sells in signaling power, particularly for bank stocks where board alignment with shareholders is prized. Still, because the shares were incentive-plan awards—not open-market buys—the incremental commitment of personal capital is limited, muting impact on valuation models.

Corporate Governance Expert

TL;DR: Governance-aligned equity grant; low risk, limited financial impact.

The use of deferred restricted stock aligns director compensation with long-term shareholder value and reinforces Seacoast’s pay-for-performance philosophy. The option inventory disclosed (8,503 shares) is unaltered, suggesting stable long-term incentives. No red flags—such as accelerated sales or complex indirect holdings—appear. From a governance standpoint, the filing is neutral-to-positive but unlikely to affect proxy advisory ratings given its routine nature.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Bradley Jacqueline Lynette

(Last) (First) (Middle)

SEACOAST BANKING CORPORATION OF FLORIDA

P. O. BOX 9012

(Street)

STUART FL 34995

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
SEACOAST BANKING CORP OF FLORIDA [ SBCF ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
07/31/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	07/31/2025		A(1)		2,218	A	$28.19	28,261.5752	D(2)
Common Stock								7,000	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Common Stock Right to Buy(3)	$35.78							02/03/2022	02/02/2032	Common Stock	1,505		1,505	D
Common Stock Right to Buy(4)	$22.65							02/06/2017	02/05/2027	Common Stock	2,142		2,142	D
Common Stock Right to Buy(4)	$27.53							05/04/2018	05/03/2028	Common Stock	1,431		1,431	D
Common Stock Right to Buy(4)	$28.42							02/04/2019	02/03/2029	Common Stock	1,146		1,146	D
Common Stock Right to Buy(4)	$14.39							02/03/2016	02/02/2026	Common Stock	2,279		2,279	D

Explanation of Responses:

1. Restricted stock issued from Seacoast's 2021 Incentive Plan for service as a Director in 2025, and deferred into director's account in Seacoast's Directors Deferred Compensation Plan

2. Held in Seacoast's Non-employee Directors Deferred Compensation Plan

3. Granted pursuant to Seacoast Banking Corporation of Florida's 2021 Incentive Plan

4. Granted pursuant to Seacoast Banking Corporation of Florida's 2013 Incentive Plan

Remarks:

	/s/ Kathy L. Hsu as Power of Attorney for Jacqueline L. Bradley	08/01/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

How many SBCF shares did Director Jacqueline Bradley acquire?

2,218 restricted shares were acquired on 31 Jul 2025.

What is Bradley’s total SBCF ownership after the transaction?

Post-transaction direct beneficial ownership is 28,261.5752 shares.

At what price were the restricted shares valued?

The Form 4 references a valuation of $28.19 per share.

Were any shares sold in this filing?

No open-market sales were reported; the filing shows a net increase in holdings.

Under which plan were the shares granted?

Shares were issued under Seacoast’s 2021 Incentive Plan and deferred into the Directors Deferred Compensation Plan.