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Bancplus earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 9, 2026
Q3 2026 Revenue up 16% year over year to $93.3M · 29¢ of every $1 of revenue kept as net profit · operating margin 37.0%
Bancplus made $93.3M in Q3 2026 (+16% Y/Y): Net interest income $75.4M, Noninterest income $17.9M. Operating margin 37.0%, net earnings $26.9M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 9, 2026.
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What changed this quarter
Revenue was $93.3M in Q3 2026, up 16% year over year and up 3% from the previous quarter. Net interest income was the largest line at 81% of revenue. Net interest income added $6.5M year over year (up 9%), 52% of the total change.
Operating profit was $34.5M, a 37.0% margin (up 9.7 points year over year). Of the extra revenue versus Q3 2025, 99% reached operating profit, above the 27% margin then. Total costs grew 0% against revenue growth of 16%. Net earnings were $26.9M, up 53% year over year. The effective tax rate was 22.2%.
Operating cash flow was $26.2M (down 43% year over year), 98% of net earnings. Non-cash charges added back $2.5M of depreciation and amortization and $1.3M of share-based compensation. Working capital and other items used $4.4M. Capital expenditures of $6.4M left free cash flow of $19.8M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 9, 2026 | $93.3M | +16% | 37.0% | $26.9M | $26.2M |
| Q2 2026 | 10-Q | Aug 7, 2026 | $90.2M | +8% | 31.8% | $22.0M | $20.2M |
| Q1 2026 | 10-Q | May 8, 2026 | $92.9M | +10% | 37.2% | $27.0M | $19.1M |
| Q4 2025 | 10-K | Mar 9, 2026 | $90.1M | +15% | 30.0% | $21.0M | $20.2M |
| Q3 2025 | 10-Q | Nov 7, 2025 | $80.7M | +4% | 27.3% | $17.6M | $45.6M |
| Q2 2025 | 10-Q | Aug 8, 2025 | $83.5M | +8% | 31.4% | $20.5M | $7.2M |
| Q4 2024 | 10-K | Mar 7, 2025 | $78.6M | +0.2% | 25.2% | $15.8M | $24.0M |
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About Bancplus
BancPlus is a bank holding company headquartered in Ridgeland, Mississippi. BancPlus’ wholly-owned bank subsidiary, BankPlus, offers a full suite of products and services to a broad spectrum of customers, including individuals, businesses and public entities. As of December 31, 2025, we operated 74 branch offices across Mississippi, Alabama, Louisiana, and Florida. BancPlus’ franchise is built on a community banking approach focused on personalized, relationship-driven service combined with local market management and expertise. As of December 31, 2025, BancPlus had total assets of $8.08 billion, gross loans of $6.29 billion, total deposits of $6.99 billion and total shareholders’ equity (before adjustment for redeemable common stock owned by ESOP) of $852.0 million.
In its own words, from its 10-K, filed Mar 9, 2026.
Bancplus against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +16% against the peers' median +10%. Operating margin: 37.0% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| Bancplus | Q3 2026 | $93.3M | +16% | 37.0% |
| DB Deutsche Bank Aktiengesellschaft | Q3 2026 | $6.1B | -31% | -7.6% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
Source: Bancplus 10-Q on SEC EDGAR · CIK 1118004 · State Commercial Banks