Filing Flows › Seacoast Banking Corp of Florida (SBCF) › Q3 2026 › vs Q3 2025
Seacoast Banking Corp of Florida (SBCF) Q3 2026 vs Q3 2025 (year over year)
Seacoast Banking Corp of Florida's revenue rose $57.7M (+37%) from $157M in Q3 2025 to $215M in Q3 2026. The biggest changes: Net interest income +$49.9M (+37%); Noninterest income +$7.8M (+33%). Operating margin 35.0% against 29.8% (+5.2 pts).
Seacoast Banking Corp of Florida, Q3 2026: revenue $215M (+37% year over year), operating margin 35.0%, net earnings $59.9M, operating cash flow $139M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 35.0% | 29.8% | +5.2 pts |
| Net margin | 27.9% | 23.2% | +4.7 pts |
| Free cash flow margin | 64.1% | 17.6% | +46.5 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $183M | $133M | $49.9M | +37% |
| Noninterest income | $31.6M | $23.8M | $7.8M | +33% |
| Revenue | $215M | $157M | $57.7M | +37% |
| Operating profit | $75.3M | $46.9M | $28.4M | +61% |
| Costs & expenses | $140M | $110M | $29.3M | +27% |
| Pre-tax earnings | $75.3M | $46.9M | $28.4M | +61% |
| Noninterest expense | $133M | $102M | $31.3M | +31% |
| Other operating costs | $6.3M | $8.4M | −$2.1M | -25% |
| Net earnings | $59.9M | $36.5M | $23.4M | +64% |
| Income tax | $15.5M | $10.5M | $5.0M | +48% |
| Depreciation & amortization | $12.9M | $8.3M | $4.6M | +56% |
| Share-based compensation | $6.2M | $4.4M | $1.8M | +40% |
| Working capital & other | $59.6M | −$19.0M | $78.6M | — |
| Operating cash flow | $139M | $30.2M | $108M | +359% |
| Free cash flow (OCF − capex) | $138M | $27.7M | $110M | +397% |
| Capital expenditures | $871K | $2.5M | −$1.6M | -65% |
Questions
How much did Seacoast Banking Corp of Florida's revenue grow year over year in Q3 2026?
Seacoast Banking Corp of Florida's revenue rose $57.7M (+37%) from $157M in Q3 2025 to $215M in Q3 2026.
What drove Seacoast Banking Corp of Florida's revenue change in Q3 2026?
Net interest income +$49.9M (+37%); Noninterest income +$7.8M (+33%).