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Seacoast Banking Corp of Florida (SBCF) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · Seacoast Banking Corp of Florida (SBCF) Q3 2026 earnings results →
Q3 2026 Revenue up 37% year over year to $215M · 28¢ of every $1 of revenue kept as net profit · operating margin 35.0%
Seacoast Banking Corp of Florida made $215M in Q3 2026 (+37% Y/Y): Net interest income $183M, Noninterest income $31.6M. Operating margin 35.0%, net earnings $59.9M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $215.0M in Q3 2026, up 37% year over year and up 3% from the previous quarter. Net interest income was the largest line at 85% of revenue. Net interest income added $49.9M year over year (up 37%), 87% of the total change.
Operating profit was $75.3M, a 35.0% margin (up 5.2 points year over year). Of the extra revenue versus a year earlier, 49% reached operating profit, above the 30% margin then. Total costs grew 27% against revenue growth of 37%. The fastest-growing cost line was Noninterest expense (+31%). Net earnings were $59.9M, up 64% year over year. The effective tax rate was 20.5%.
Operating cash flow was $138.6M (up 359% year over year), 232% of net earnings. Non-cash charges added back $12.9M of depreciation and amortization and $6.2M of share-based compensation. Working capital and other items added $59.6M. Capital expenditures of $871K left free cash flow of $137.8M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 4, 2026 | $215M | +37% | 35.0% | $59.9M | $139M |
Charts
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🔄Rotation against the market and its industry (RRG)interactive
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⚖️Fair value by methodinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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Seacoast Banking Corp of Florida against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +37% against the peers' median +12%. Operating margin: 35.0% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| SBCF Seacoast Banking Corp of Florida | Q3 2026 | $215M | +37% | 35.0% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Seacoast Banking Corp of Florida 10-Q on SEC EDGAR · CIK 730708 · State Commercial Banks
Guidance and outlook
13F: who owns SBCF and who is buying
More on SBCF
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History
Every quarter: Q3 2026 results