Filing Flows › Southern First Bancshares (SFST) › Q3 2026 › vs Q3 2025
Southern First Bancshares (SFST) Q3 2026 vs Q3 2025 (year over year)
Southern First Bancshares's revenue rose $6.4M (+21%) from $31.1M in Q3 2025 to $37.5M in Q3 2026. The biggest changes: Net interest income +$7.1M (+26%); Noninterest income −$736K (-20%). Operating margin 42.2% against 36.4% (+5.8 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 42.2% | 36.4% | +5.8 pts |
| Net margin | 32.6% | 27.8% | +4.8 pts |
| Free cash flow margin | 54.4% | 46.3% | +8.1 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $34.7M | $27.5M | $7.1M | +26% |
| Noninterest income | $2.9M | $3.6M | −$736K | -20% |
| Revenue | $37.5M | $31.1M | $6.4M | +21% |
| Operating profit | $15.8M | $11.3M | $4.5M | +40% |
| Costs & expenses | $21.7M | $19.8M | $1.9M | +10% |
| Pre-tax earnings | $15.8M | $11.3M | $4.5M | +40% |
| Credit loss provision | $1.4M | $850K | $550K | +65% |
| Noninterest expense | $20.3M | $18.9M | $1.4M | +7% |
| Net earnings | $12.2M | $8.7M | $3.6M | +41% |
| Income tax | $3.6M | $2.7M | $928K | +35% |
| Depreciation & amortization | $955K | $1.0M | −$67K | -7% |
| Share-based compensation | $638K | $539K | $99K | +18% |
| Working capital & other | $7.5M | $4.3M | $3.3M | +77% |
| Operating cash flow | $21.3M | $14.5M | $6.9M | +47% |
| Free cash flow (OCF − capex) | $20.4M | $14.4M | $6.0M | +42% |
| Capital expenditures | $934K | $88K | $846K | +961% |
Questions
How much did Southern First Bancshares's revenue grow year over year in Q3 2026?
Southern First Bancshares's revenue rose $6.4M (+21%) from $31.1M in Q3 2025 to $37.5M in Q3 2026.
What drove Southern First Bancshares's revenue change in Q3 2026?
Net interest income +$7.1M (+26%); Noninterest income −$736K (-20%).