SEACOAST REPORTS FIRST QUARTER 2024 RESULTS Q1 Highlights Included Impressive Growth in Deposits, Successful Completion of Our Expense Initiative, and Building Wealth and Lending Pipelines Strong Capital Position Builds Quarter over Quarter STUART, Fla., April 25, 2024 /GLOBE NEWSWIRE/ -- Seacoast Banking Corporation of Florida ("Seacoast" or the "Company") (NASDAQ: SBCF) today reported net income in the first quarter of 2024 of $26.0 million, or $0.31 per diluted share, compared to $29.5 million, or $0.35 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (Registrant's Telephone Number, Including Area Code) For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Securities registered pursuant to Section 12(b) of the Act: For the transition period from _______ to _________ Commission File No. 0-13660 | Title of each c ...

Financial Data and Key Metrics Changes - Seacoast reported net income of $0.35 per share in Q4 2023, with an adjusted net income of $0.43 per share, excluding certain losses [14] - The pretax pre-provision return on tangible assets was 1.48%, and the adjusted return on tangible common equity was nearly 12% [10] - The efficiency ratio improved to 60% from 62.6% in the previous quarter [23][14] - Tier 1 capital ratio increased to 14.6%, positioning the company among the strongest banks in the nation [10][15] Business Line Data and Key Metrics Changes - Net interest income declined by $8.5 million or 7% during the quarter, primarily due to lower purchased loan accretion and higher deposit costs [16] - The loan portfolio grew by 2% annualized from the previous quarter, with average loan yields increasing to 5.4% [24][12] - Wealth Management revenues increased by 16% year-over-year, reaching $12.8 million [20] Market Data and Key Metrics Changes - Assets under management increased by 23% year-over-year to a record $1.7 billion, with significant new client acquisition [19] - Noninterest income, excluding securities activity, rose by $1.6 million to $19.8 million in Q4 [45] Company Strategy and Development Direction - The company is focused on maintaining a conservative balance sheet while strategically investing to stimulate growth in low-cost deposits [13] - Seacoast aims to optimize efficiency, having reduced headcount by 6% in Q3, which contributed to an 8% decrease in expenses in Q4 [39][7] - The company is exploring opportunities for M&A, particularly targeting smaller community banks under $1 billion [134] Management's Comments on Operating Environment and Future Outlook - Management noted that the first half of 2024 is expected to represent the low point for net interest margin and income [4] - The company anticipates three rate cuts in 2024, which could positively impact deposit flows and overall financial performance [125] - Management expressed confidence in the strength of their capital position and allowance for credit losses, which positions them well to navigate economic challenges [123][51] Other Important Information - The allowance for credit losses totaled $148.9 million, or 1.48% of total loans, indicating a strong position relative to peers [51] - The company recognized $2.9 million in losses on the sale of securities, reinvesting proceeds into higher-yielding securities [43] Q&A Session Summary Question: How does the company plan to fund loan growth and grow deposits in 2024? - Management indicated that deposit growth may be slightly below loan growth, with a focus on organic growth initiatives [65] Question: What are the expectations regarding credit quality and potential normalization? - Management noted that the increase in nonperforming loans was due to a couple of credits and expressed confidence in the overall credit quality [62] Question: How will the company manage the impact of higher insurance costs on borrowers? - Management acknowledged the challenges posed by increased insurance costs but stated that most borrowers are managing these pressures effectively [93] Question: What is the outlook for M&A activity in the near future? - Management indicated that conversations around M&A are picking up, with a focus on smaller community banks that fit their strategic criteria [134]

| --- | --- | |-------|-------| | | | | | | | | | | | | | EARNINGS PRESENTATION | | | FOURTH QUARTER AND FULL YEAR 2023 | 2023 | Cautionary Notice Regarding Forward-Looking Statements This presentation contains "forward-looking statements" within the meaning, and protections, of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, including, without limitation, statements about future financial and operating results, cost savings, enhance ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______________ to __________________. Commission File No. 0-13660 Seacoast Banking Corporation of Florida (Exact Name of Registrant as Specified in its Cha ...

Seacoast Banking Corporation of Florida (NASDAQ:SBCF) Q3 2023 Earnings Conference Call October 27, 2023 10:00 AM ET Company Participants Chuck Shaffer - Chairman and Chief Executive Officer Tracey Dexter - Executive Vice President and Chief Financial Officer Michael Young - Treasurer and Director of Investor Relations David Houdeshell - Director of Credit Risk Analytics Conference Call Participants David Feaster - Raymond James & Associates Stephen Scouten - Piper Sandler Companies Brady Gailey - KBW Russel ...

| --- | --- | |-------|-------| | | | | | | | | | | | | | EARNINGS PRESENTATION | | | THIRD QUARTER 2023 | 2023 | Cautionary Notice Regarding Forward-Looking Statements This presentation contains "forward-looking statements" within the meaning, and protections, of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, including, without limitation, statements about future financial and operating results, cost savings, enhanced revenues, eco ...

[Part I. FINANCIAL INFORMATION](index=3&type=section&id=Part%20I%20FINANCIAL%20INFORMATION) [Item 1. Financial Statements (Unaudited)](index=3&type=section&id=Item%201.%20Financial%20Statements%20(Unaudited)) This section presents the unaudited consolidated financial statements, including income, comprehensive income, balance sheets, cash flows, and shareholders' equity, with detailed explanatory notes [Consolidated Statements of Income](index=3&type=section&id=Consolidated%20statements%20of%20income%20%E2%80%93%20Three%20and%20six%20months%20ended%20June%2030%2C%202023%20and%202022) Net income for the three and six months ended June 30, 2023, decreased compared to the same periods in 2022, despite significant increases in total interest income, which were largely offset by a substantial rise in total interest expense | Metric (in thousands, except per share data) | Three Months Ended June 30, 2023 | Three Months Ended June 30, 2022 | Six Months Ended June 30, 2023 | Six Months Ended June 30, 2022 | |:-----------------------------------|:----------------------------------|:----------------------------------|:---------------------------------|:---------------------------------| | Total Interest Income | $174,283 | $83,749 | $332,274 | $161,981 | | Total Interest Expense | $47,320 | $2,102 | $74,159 | $3,812 | | Net Interest Income | $126,963 | $81,647 | $258,115 | $158,169 | | Provision for credit losses | $(764) | $822 | $30,834 | $7,378 | | Total Noninterest Income | $21,576 | $16,964 | $44,021 | $32,337 | | Total Noninterest Expense | $107,865 | $56,148 | $215,340 | $115,065 | | Net Income | $31,249 | $32,755 | $43,076 | $53,343 | | Diluted Net income per share | $0.37 | $0.53 | $0.52 | $0.86 | | Basic Net income per share | $0.37 | $0.53 | $0.52 | $0.87 | [Consolidated Statements of Comprehensive Income](index=5&type=section&id=Consolidated%20statements%20of%20comprehensive%20income%20%E2%80%93%20Three%20and%20six%20months%20ended%20June%2030%2C%202023%20and%202022) Comprehensive income for the three and six months ended June 30, 2023, showed a significant positive shift compared to the prior year, primarily driven by a reduction in unrealized losses on available-for-sale securities and the recognition of unrealized gains on derivatives designated as fair value hedges | Metric (in thousands) | Three Months Ended June 30, 2023 | Three Months Ended June 30, 2022 | Six Months Ended June 30, 2023 | Six Months Ended June 30, 2022 | 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Seacoast Banking Corporation of Florida (NASDAQ:SBCF) Q2 2023 Earnings Conference Call July 28, 2023 10:00 AM ET Company Participants Chuck Shaffer - Chairman and Chief Executive Officer Tracey Dexter - Chief Financial Officer Michael Young - Treasurer and Director of Investor Relations Conference Call Participants Brady Gailey - Keefe, Bruyette, & Woods David Feaster - Raymond James & Associates Brandon King - Truist Securities Stephen Scouten - Piper Sandler Companies Operator Greetings. Welcome to Seacoa ...

This presentation contains "forward-looking statements" within the meaning, and protections, of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, including, without limitation, statements about future financial and operating results, cost savings, enhanced revenues, economic and seasonal conditions in the Company's markets, and improvements to reported earnings that may be realized from cost controls, tax law changes, new initiatives a ...