Seacoast Banking (SBCF) Insider Adds $62K in Stock

Rhea-AI Filing Summary

SBCF Form 4 – 31 Jul 2025: Director Christopher E. Fogal reported acquiring 2,218 restricted shares of Seacoast Banking Corp. of Florida at $28.19 under the 2021 Incentive Plan, with the stock deferred into the Non-employee Directors Deferred Compensation Plan.

Following the transaction, Fogal now beneficially owns an estimated 31,967 common shares across several accounts: 6,875 held jointly with his spouse, 4,688 held in a spouse-controlled trust, and 11,361 directly held shares. No shares were sold.

Fogal also retains option-style rights on 8,138 shares exercisable at prices between $14.39 and $28.42 that expire from 2026-2029. The reported purchase (≈ $62 K in market value) modestly increases insider ownership and signals continued alignment with shareholder interests.

Positive

• Director bought 2,218 shares with no concurrent sales, indicating confidence.
• Total insider holdings rise to nearly 32 K shares, improving alignment with shareholders.

Negative

• Purchase size (~$62K) is immaterial relative to SBCF’s market capitalization and trading volume.

Insights

Equity Analyst

TL;DR: Modest insider buy (~$62K) adds 2,218 shares, lifting total holdings to ~32K; positive sentiment but immaterial to valuation.

Assessment: Insider purchases are generally viewed favorably, and Fogal’s acquisition—with no corresponding sales—suggests incremental confidence in SBCF’s outlook. Nevertheless, the size represents only a small fraction of average daily volume and the director’s existing stake. The additional options already on file extend potential future equity upside. From a governance standpoint, use of the deferred compensation plan aligns incentives over a longer horizon. Overall impact is slightly positive yet unlikely to move the stock absent corroborating fundamentals.

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
Estimated average burden
hours per response:			0.5

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^*

FOGAL CHRISTOPHER E

(Last) (First) (Middle)

SEACOAST BANKING CORP. 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	31,966.76	D(2)
Common Stock								6,875	D(3)
Common Stock								4,688	I	Held by spouse in trust
Common Stock								11,361	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
Commonn Stock Right to Buy(4)	$22.65							02/06/2017	02/05/2027	Common Stock	2,142		2,142	D
Commonn 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)	$14.39							02/03/2016	02/02/2026	Common Stock	3,419		3,419	D
Commonn Stock Right to Buy(4)	$28.42							02/04/2019	02/03/2029	Common Stock	1,146		1,146	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. Held jointly with spouse

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

Remarks:

	/s/ Kathy L. Hsu as Power of Attorney for Christopher E. Fogal	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 Christopher Fogal buy?

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

What price did Fogal pay for the new SBCF shares?

The filing lists a transaction price of $28.19 per share.

How many SBCF shares does Fogal now own in total?

Post-transaction, he beneficially owns about 31,967 shares (direct and indirect).

Were any SBCF shares sold in this Form 4 filing?

No. The filing reports only an acquisition; no dispositions were disclosed.

Does Fogal hold any SBCF stock options?

Yes. He has 8,138 option rights with strike prices between $14.39 and $28.42 expiring 2026-2029.