Item 7.01 - Regulation FD Disclosure: The Company will hold one-on-one investor meetings at various times in February 2026 to discuss business strategy, financial performance, recent developments, and future opportunities. Investor Presentation Attached: A presentation has been filed as Exhibit 99.1 to accompany the investor meetings and is incorporated by reference into this Form 8-K. Company…

Our analysis rates this filing CAUTIOUS. Seacoast's Villages Bancorporation acquisition represents a strategically compelling transaction that delivers meaningful scale and earnings accretion, supported by optimistic management messaging. However, the elevated concern level (6.2/10) reflects three…

Concern level: HIGH (6.2/10). Key factors: Three new high-severity risks identified with average severity of 5.7/10: Villages integration execution (severity 6), Florida real estate concentration (severity 6), and concentration in affluent retiree customer base (severity 5); Transformative acquisition introduces material execution risk despite management characterization as 'low-risk'; failure to…

Notable risk changes: Villages Bancorporation acquisition ($4.4B assets, $3.5B deposits) closed and integrated - represents transformative transaction with ~24% earnings accretion target but introduces significant integration execution risk and concentration in single affluent community (51% market share); Geographic and asset-class concentration materially increased - now 2nd largest bank in Florida by deposits…

The model predicts SBCF will outperform the S&P 500 by about 0.0% over 30 days (model confidence 50%). This is model analysis for research, not investment advice.