Financial insights of SBCF

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$29,757K
EPS
$0.29
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Taxable	-	37,820*	-	-
Nontaxable	-	851*	-	-
Interest and fees on loans	185,731	190,168*	161,913	157,075
Interest and dividends on securities	60,091	-	36,019	32,512
Interest on interest-bearing deposits and other investments	4,884	11,844*	4,780	3,760
Total interest income	250,706	240,683*	202,712	193,347
Interest on deposits	44,586	49,609*	43,133	40,633
Interest on time certificates	17,583	20,157*	16,341	15,120
Interest on securities sold under agreement to repurchase	-	1,552*	-	-
Interest on fhlb borrowings	-	6,324*	-	-
Interest on long-term debt	-	1,667*	-	-
Interest on borrowed money	12,067	-	9,770	10,730
Total interest expense	74,236	79,308*	69,244	66,483
Net interest income	176,470	161,375*	133,468	126,864
Provision for credit losses	761	32,135*	8,371	4,379
Net interest income after provision for credit losses	175,709	129,240*	125,097	122,485
Service charges on deposit accounts	6,912	5,785*	6,194	5,540
Wealth management income	5,777	5,401*	4,578	4,196
Mortgage banking income	2,166	2,911*	517	685
Interchange income	2,067	2,339*	2,008	1,895
Insurance agency income	1,790	1,426*	1,481	1,289
Boli income	2,617	1,528*	3,875	3,380
Other	5,585	6,572*	6,006	7,497
Total noninterest income before securities (losses) gains, net	26,914	25,961*	24,659	24,482
Securities (gaines) losss, net	-39,528	681*	-841	39
Total noninterest (loss) income	-12,614	26,642*	23,818	24,521
Salaries and wages	-	50,817*	46,310	44,438
Employee benefits	-	9,605*	7,387	8,106
Salaries and employee benefits	62,645	-	-	-
Outsourced data processing costs	11,995	10,830*	9,337	8,525
Occupancy	9,235	9,125*	7,627	7,483
Furniture and equipment	2,821	2,884*	2,233	2,125
Marketing	3,467	3,164*	2,509	2,958
Legal and professional fees	3,170	2,974*	1,674	2,071
Fdic assessments	3,195	2,809*	2,414	2,108
Amortization of intangibles	10,098	10,115*	6,005	5,131
Oreo expense and net gain on sale	-63	-381*	346	-8
Provision for credit losses on unfunded commitments	150	812*	150	150
Merger and integration costs	8,536	12,578*	10,808	2,422
Other	6,796	8,193*	5,879	6,205
Total noninterest expense	122,171	124,285*	101,987	91,730
Income before income taxes	40,924	31,597*	46,928	55,276
Provision for income tax expense	9,029	7,053*	10,461	12,589
Net income	31,895	24,544*	36,467	42,687
Preferred dividends	2,138	535*	-	-
Net income available to common shareholders	29,757	24,009	-	-

Basic EPS	0.3	0.257	0.42	0.5
Diluted EPS	0.29	0.254	0.42	0.5
Basic Average Shares	96,840,000	93,306,000	86,619,000	84,903,000
Diluted Average Shares	97,838,000	94,414,000	87,425,000	85,479,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$29,757K
EPS
$0.29
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$29,757K
EPS
$0.29
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$29,757KEPS$0.29Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$29,757KEPS$0.29Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$29,757K
EPS
$0.29
Unit: Thousand (K) dollars

Net Income
$29,757K
EPS
$0.29
Unit: Thousand (K) dollars