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Seacoast Banking (SBCF) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
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Seacoast Banking (SBCF - Free Report) reported $217.5 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 37.5%. EPS of $0.66 for the same period compares to $0.52 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $215.65 million, representing a surprise of +0.86%. The company delivered an EPS surprise of +1.54%, with the consensus EPS estimate being $0.65.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Seacoast Banking performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Net Interest Margin: 3.8% versus 3.8% estimated by four analysts on average.
Efficiency Ratio: 61% versus 53.3% estimated by four analysts on average.
Net charge-offs to average loans: 0.2% versus 0.2% estimated by three analysts on average.
Nonperforming loans: $73.28 million compared to the $85.77 million average estimate based on two analysts.
Total Nonperforming Assets: $76.55 million versus the two-analyst average estimate of $89.32 million.
Average Balance - Total Earning Assets: $19.19 billion versus the two-analyst average estimate of $19.43 billion.
Net interest income - FTE: $185.35 million versus $186.87 million estimated by four analysts on average.
Total noninterest income: $31.6 million versus the four-analyst average estimate of $28.77 million.
Insurance agency income: $1.85 million compared to the $1.55 million average estimate based on two analysts.
Net interest income: $183.36 million compared to the $185.81 million average estimate based on two analysts.
BOLI Income: $2.65 million compared to the $2.81 million average estimate based on two analysts.
Mortgage banking fees: $4.74 million versus $3.08 million estimated by two analysts on average.
Shares of Seacoast Banking have returned +3.4% over the past month versus the Zacks S&P 500 composite's -0.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
View the Zacks #1 Rank List
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Seacoast Banking (SBCF) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
Seacoast Banking (SBCF - Free Report) reported $217.5 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 37.5%. EPS of $0.66 for the same period compares to $0.52 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $215.65 million, representing a surprise of +0.86%. The company delivered an EPS surprise of +1.54%, with the consensus EPS estimate being $0.65.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Seacoast Banking performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Seacoast Banking here>>>
Shares of Seacoast Banking have returned +3.4% over the past month versus the Zacks S&P 500 composite's -0.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.