Filing Flows › Southern First Bancshares (SFST) › Q3 2026 › vs Q2 2026
Southern First Bancshares (SFST) Q3 2026 vs Q2 2026 (quarter over quarter)
Southern First Bancshares's revenue rose $1.7M (+5%) from $35.9M in Q2 2026 to $37.5M in Q3 2026. The biggest changes: Net interest income +$2.3M (+7%); Noninterest income −$644K (-18%). Operating margin 42.2% against 40.3% (+1.9 pts).
Southern First Bancshares, Q3 2026: revenue $37.5M (+21% year over year), operating margin 42.2%, net earnings $12.2M, operating cash flow $21.3M. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 42.2% | 40.3% | +1.9 pts |
| Net margin | 32.6% | 31.2% | +1.4 pts |
| Free cash flow margin | 54.4% | 46.6% | +7.8 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Net interest income | $34.7M | $32.4M | $2.3M | +7% |
| Noninterest income | $2.9M | $3.5M | −$644K | -18% |
| Revenue | $37.5M | $35.9M | $1.7M | +5% |
| Operating profit | $15.8M | $14.5M | $1.4M | +9% |
| Costs & expenses | $21.7M | $21.4M | $286K | +1% |
| Pre-tax earnings | $15.8M | $14.5M | $1.4M | +9% |
| Credit loss provision | $1.4M | $1.0M | $375K | +37% |
| Noninterest expense | $20.3M | $20.4M | −$89K | -0.4% |
| Net earnings | $12.2M | $11.2M | $1.0M | +9% |
| Income tax | $3.6M | $3.3M | $334K | +10% |
| Depreciation & amortization | $955K | $956K | −$1K | -0.1% |
| Share-based compensation | $638K | $702K | −$64K | -9% |
| Working capital & other | $7.5M | $5.2M | $2.3M | +45% |
| Operating cash flow | $21.3M | $18.0M | $3.3M | +18% |
| Free cash flow (OCF − capex) | $20.4M | $16.7M | $3.7M | +22% |
| Capital expenditures | $934K | $1.3M | −$382K | -29% |
Questions
How much did Southern First Bancshares's revenue grow quarter over quarter in Q3 2026?
Southern First Bancshares's revenue rose $1.7M (+5%) from $35.9M in Q2 2026 to $37.5M in Q3 2026.
What drove Southern First Bancshares's revenue change in Q3 2026?
Net interest income +$2.3M (+7%); Noninterest income −$644K (-18%).