SBCF Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	553.48	431.97	488.24	366.16	276.03
Net Interest Income Growth	28.13%	-11.53%	33.34%	32.66%	5.05%
Non-Interest Income	99.15	83.43	79.15	66.09	70.73
Non-Interest Income Growth	18.84%	5.40%	19.76%	-6.55%	14.87%
Revenues Before Loan Losses	652.63	515.4	567.39	432.25	346.75
Provision for Credit Losses	51.26	16.26	37.52	26.18	-9.42
Revenue	601.37	499.14	529.87	406.07	356.17
Revenue Growth (YoY)	20.48%	-5.80%	30.49%	14.01%	24.48%
Compensation Expenses	219.78	190.57	201.74	149.13	115.16
Selling, General & Admin	108.38	103.09	104.05	86.39	61.04
Other Non-Interest Expenses	86.7	49.65	89.83	32.41	21.24
Total Non-Interest Expense	414.86	343.3	395.62	267.93	197.44
Pretax Income	186.51	155.84	134.25	138.14	158.74
Provision for Income Taxes	41.63	34.85	30.22	31.63	34.34
Net Income	142.74	120.99	104.03	106.51	124.4
Net Income Attributable to Preferred Dividends	2.14	-	-	-	-
Net Income to Common	142.74	120.99	104.03	106.51	124.4
Net Income Growth	17.98%	16.30%	-2.32%	-14.39%	59.98%
Shares Outstanding (Basic)	88	84	84	64	57
Shares Outstanding (Diluted)	89	85	84	64	57
Shares Change (YoY)	4.78%	0.84%	31.22%	12.57%	5.86%
EPS (Basic)	1.59	1.43	1.24	1.67	2.20
EPS (Diluted)	1.57	1.42	1.23	1.66	2.18
EPS Growth	10.56%	15.45%	-25.90%	-23.85%	51.39%
Free Cash Flow	178.89	175.87	140.32	183.21	150.25
Free Cash Flow Growth	1.72%	25.33%	-23.41%	21.94%	154.37%
Free Cash Flow Per Share	2.01	2.07	1.66	2.85	2.63
Dividends Per Share	0.730	0.720	0.710	0.640	0.390
Dividend Growth	1.39%	1.41%	10.94%	64.10%	-
Profit Margin	24.09%	24.24%	19.63%	26.23%	34.93%
FCF Margin	29.75%	35.23%	26.48%	45.12%	42.18%
EBITDA	19.18	16.83	16.3	12.6	10.06
EBITDA Margin	3.19%	3.37%	3.08%	3.10%	2.82%
Effective Tax Rate	22.32%	22.37%	22.51%	22.90%	21.63%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q