SBCF at a glance
SEACOAST BANKING CORP OF FLORIDA (SBCF, SEC CIK 730708) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 4, 2026, an 8-K current report on September 9, 2026 and Form 4 insider filings as recently as September 17, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), SEACOAST BANKING CORP OF FLORIDA (SBCF) reported revenue of $836.4 million (up 15.3% from FY2024) and net income of $144.9 million. Diluted EPS was $1.57.
- The most recent insider open-market sale reported on Form 4 was by HUDSON DENNIS S III on September 16, 2026 of 12,000 shares at $34.15 per share.
- In the last 90 days, SBCF insiders reported 0 open-market purchases ($0) and 2 open-market sales ($919K) on Form 4, a net sale of $919K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $836.4M
- +15.3% vs prior year
- Insiders · 90 days
- 0 buys · 2 sells
- Net −$919K
- Latest 8-K
- Jul 28, 2026
- Item 2.02 · Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Regional bank providing commercial and consumer banking services with emphasis on lending and deposit products
- New segment emphasis: Initiated dividends on convertible preferred stock starting Q4 2025 alongside ongoing common stock dividends since 2021
- Strategic regulatory focus: Enhanced alignment with FRB dividend guidance considering earnings, capital adequacy, and prudence amidst evolving regulatory expectations
- Notable metric: Sensitivity analysis shows potential allowance for credit losses could increase by $71 million (56 bps) under Moody’s downside economic scenario
- Distinctive fact: Trust preferred securities qualify as Tier 1 capital under current Basel III rules, supporting regulatory capital calculations
Risk Factors
- Regulatory risk from Concentrations in CRE loans at 216% of consolidated risk-based capital, below 300% regulatory limit but elevated exposure in Florida market
- Macroeconomic risk from $723.9 million construction & land development loans reliant on property sale/refinancing cash flows
- Operational risk from reliance on acquired loan portfolios, $1.3 billion from VBI, $157 million from Heartland, impacting asset quality and integration
- Competitive risk on CRE lending segments from demand for retail and industrial properties with average loan sizes $2.6M and $3.0M respectively
- Financial risk from elevated loan concentrations: $3.5 billion in commercial and CRE loans >$10 million representing 28% of total portfolio
Management Discussion & Analysis
- Revenue $653 million total net interest ($553.5M + $99.2M noninterest), net interest income up 28% YoY ($121.5M increase)
- Operating margin: net interest margin 3.58% vs 3.24% in 2024, effective tax rate stable at 22.3% vs 22.4%
- Best performing segment: net interest income growth +28% to $553.5M; worst performing segment: securities, $0.5M loss vs $8M loss prior year but still negative
- Cash flow and capital: mergers acquisitions added $1.35B loans and $4.2B deposits including VBI, Heartland; $32.4M merger costs; no dividend or buyback details; capital ratios strong with Tier 1 capital of 14.5%
- Forward outlook: management expects continued growth from acquisitions and organic efforts; key risks include integration costs and loan loss provisions, which increased to $51.3M in 2025 with $24.6M acquisition-related; outlook section incomplete
AI summary of the SBCF 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $59.5M, up 39% YoY; adjusted net income $65.8M
- Net interest income $180.4M, up 42% YoY; net interest margin 3.83% vs 3.58%
- Core net interest margin 3.65% vs 3.29%; deposit cost 1.53% vs 1.80%
- Organic loan growth 16% annualized; average loans up 22% YoY to $12.9B
- 751,680 shares repurchased; remaining merger-related costs expected in Q3 2026
Risk Factors
- Risk factors section not provided; submitted text covers Items 2–6 and signatures
- No newly added risk factor or 10-K comparison available in provided text
- Regulatory disclosure: 2026 repurchases subject to securities laws and regulatory limitations
- Capital allocation risk: $117 million remaining under the $150 million repurchase authorization
- Financial flexibility risk: 751,680 shares repurchased during the quarter averaging $30.60 per share
AI summary of the SBCF 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Second-quarter and first-half 2026 results announced for periods ended June 30, 2026
- Detailed financial results available in Exhibit 99.1, the attached earnings release
Item 7.01: Regulation FD Disclosure
- Investor conference call scheduled for July 29, 2026 at 10:00 a.m. Eastern Time
- Presentation covers information current as of June 30, 2026
Item 5.02: Departure/Appointment of Directors or Principal Officers
- H. Gilbert Culbreth, Jr. resigning from Seacoast’s Board effective June 15, 2026 after service since 2008
- Continued Bank board role preserves his involvement with the principal operating subsidiary
AI summaries of SBCF 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for SBCF
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| HUDSON DENNIS S III | Sell | Sep 16, 2026 | 12,000 | $34.15 |
| Kleffel Juliette | M | Aug 27, 2026 | 14,831 | $28.69 |
| Kleffel Juliette | M | Aug 27, 2026 | 14,831 | - |
| Kleffel Juliette | Sell | Aug 27, 2026 | 14,831 | $34.31 |
| Shaffer Charles M | F | Aug 4, 2026 | 25,851 | $35.47 |
| Shaffer Charles M | M | Aug 4, 2026 | 28,544 | $28.69 |
| Shaffer Charles M | M | Aug 4, 2026 | 28,544 | $35.47 |
| HUDSON DENNIS S III | A | Jul 31, 2026 | 2,015 | $34.74 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $689.0M | $725.6M | $836.4M | |
| Net Income | $104.0M | $121.0M | $144.9M | |
| Net Margin | 15.1% | 16.7% | 17.3% | |
| Balance Sheet | ||||
| Total Assets | $14.6B | $15.2B | $20.8B | |
| Equity | $2.1B | $2.2B | $2.7B | |
| ROE | 4.9% | 5.5% | 5.3% | |
| Per Share | ||||
| EPS | $1.23 | $1.42 | $1.57 | |
| Cash Flow | ||||
| Operating CF | $150.6M | $179.9M | $188.1M | |
Source: XBRL data in SEACOAST BANKING CORP OF FLORIDA (SBCF)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
SBCF filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 17, 2026 | - | - | - |
| 8-K | Sep 9, 2026 | - | - | - |
| 4 | Aug 28, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
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| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 10-Q | Aug 4, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 8-K | Jul 28, 2026 | - | Analysis | - |
| 4 | Jul 9, 2026 | - | - | - |
| 4 | Jun 17, 2026 | - | - | - |
| 8-K | May 29, 2026 | - | Analysis |
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SBCF SEC filings: frequently asked questions
Are SBCF insiders buying or selling?
In the last 90 days, SEACOAST BANKING CORP OF FLORIDA (SBCF) officers, directors and 10% owners reported no open-market purchases and 2 open-market sales worth $918,652 by 2 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
What was SBCF's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), SEACOAST BANKING CORP OF FLORIDA (SBCF) reported revenue of $836.4 million (up 15.3% from FY2024) and net income of $144.9 million. Diluted EPS was $1.57. The figures come from the XBRL data in the 10-K.
What are the main risks in SBCF's latest 10-K?
In the 10-K filed February 27, 2026, SEACOAST BANKING CORP OF FLORIDA (SBCF) flagged: Regulatory risk from Concentrations in CRE loans at 216% of consolidated risk-based capital, below 300% regulatory limit but elevated exposure in Florida market. Macroeconomic risk from $723.9 million construction & land development loans reliant on property sale/refinancing cash flows. (AI summary of the Risk Factors section.)
What did SBCF report in its latest 8-K?
SEACOAST BANKING CORP OF FLORIDA (SBCF) filed an 8-K on July 28, 2026 reporting Item 2.02 (Results of Operations and Financial Condition) and Item 7.01 (Regulation FD Disclosure). Second-quarter and first-half 2026 results announced for periods ended June 30, 2026.
What are the latest SBCF SEC filings?
SEACOAST BANKING CORP OF FLORIDA (SBCF) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 4, 2026, an 8-K current report on September 9, 2026 and a Form 4 insider filing on September 17, 2026.
What is SBCF's SEC CIK number?
SEACOAST BANKING CORP OF FLORIDA (SBCF)'s SEC Central Index Key (CIK) is 730708. EDGAR lists every SBCF filing under that number.
Ask anything about SBCF
The research agent reads SBCF's filings, financials, insider trades and 13F holders, then answers with sources.