Seacoast Banking (SBCF) Director Boosts Stake via Restricted Stock Grant

Rhea-AI Filing Summary

Seacoast Banking Corporation of Florida (SBCF) – Form 4

Director Alvaro J. Monserrat reported the grant of 2,218 restricted common shares on 31 Jul 2025 under the 2021 Incentive Plan, valued at $28.19 per share and deferred into the company’s Non-employee Directors Deferred Compensation Plan. Direct ownership increases to 23,219.1496 shares; no shares were sold.

The filing also lists unchanged option holdings granted under the 2013 and 2021 plans:

• 1,431 options @ $27.53, exp. May 2028
• 2,142 options @ $22.65, exp. Feb 2027
• 970 options @ $27.79, exp. Feb 2035

No other equity transactions or sales were disclosed. The report was signed 1 Aug 2025 via power of attorney.

Materiality: The acquisition is routine director compensation and represents an immaterial percentage of SBCF’s shares outstanding; limited immediate market impact is expected, though the purchase marginally improves insider alignment.

Positive

• Director increased direct ownership by 2,218 shares, signaling continued alignment with shareholders.
• No insider sales reported; all derivative positions remain unchanged, suggesting confidence in long-term value.

Negative

• None.

Insights

Securities Analyst

TL;DR: Routine director stock grant; minimal direct market impact.

Monserrat’s 2,218-share award marginally raises insider stake to ~23.2k shares. While purchases can signal confidence, this is compensation-related, not open-market buying, and equals less than 0.05 % of outstanding shares. Derivative positions remain static. From a valuation perspective, the filing is informational with negligible influence on earnings or cash flow forecasts; I view the event as neutral for the stock.

Corporate Governance Expert

TL;DR: Incrementally positive for alignment; governance practices intact.

The grant follows SBCF’s 2021 Incentive Plan, demonstrating adherence to established equity-based compensation policies for non-employee directors. Shares were deferred, aligning long-term interests with shareholders. No red flags on timing or Rule 10b5-1 concerns. Though immaterial financially, continued equity accumulation by board members strengthens perceived commitment to the company’s performance. Impact is slightly positive from a governance standpoint.

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^*

Monserrat Alvaro

(Last) (First) (Middle)

C/O SEACOAST BANKING CORPORATION

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	23,219.1496	D(2)
Common Stock								3,000	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)	$27.53							05/04/2018	05/03/2028	Common Stock	1,431		1,431	D
Common Stock Right to Buy(3)	$22.65							02/06/2017	02/05/2027	Common Stock	2,142		2,142	D
Common Stock Right to Buy(4)	$27.79							02/03/2025	02/02/2035	Common Stock	970		970	D

Explanation of Responses:

1. Restricted stock issued from Seacoast's 2021 Incentive Plan for services 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 2013 Incentive Plan

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

Remarks:

	/s/ Kathy L. Hsu as Power of Attorney for Alvaro J. Monserrat	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 Alvaro Monserrat acquire?

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

What is the director's total direct ownership after the transaction?

Monserrat now directly owns 23,219.1496 shares of SBCF common stock.

Were any SBCF shares sold by the director in this filing?

No. The Form 4 shows only an acquisition; no sales were reported.

What option awards does the director hold?

He holds options for 1,431 shares @ $27.53 (exp. 2028), 2,142 shares @ $22.65 (exp. 2027), and 970 shares @ $27.79 (exp. 2035).

Is this acquisition likely to impact SBCF’s stock price?

Given the small size relative to SBCF’s float, market impact should be minimal.