Filing Flows › Financials › ECB Bancorp (ECBK)
ECB Bancorp (ECBK) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · ECB Bancorp (ECBK) Q3 2026 earnings results →
Q3 2026 Revenue up 26% year over year to $11.1M · 31¢ of every $1 of revenue kept as net profit · operating margin 41.6%
ECB Bancorp made $11.1M in Q3 2026 (+26% Y/Y): Net interest income $10.8M, Noninterest income $304K. Operating margin 41.6%, net earnings $3.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $11.1M in Q3 2026, up 26% year over year and up 7% from the previous quarter. Net interest income was the largest line at 97% of revenue. Net interest income added $2.3M year over year (up 28%), 102% of the total change. Noninterest income declined 11%.
Operating profit was $4.6M, a 41.6% margin (up 4.6 points year over year). Of the extra revenue versus a year earlier, 59% reached operating profit, above the 37% margin then. Total costs grew 17% against revenue growth of 26%. The fastest-growing cost line was Noninterest expense (+17%). Net earnings were $3.4M, up 39% year over year. The effective tax rate was 26.5%.
Operating cash flow was $4.6M (up 14% year over year), 136% of net earnings. Non-cash charges added back $72K of depreciation and amortization and $358K of share-based compensation. Working capital and other items added $774K. Capital expenditures of $1.2M left free cash flow of $3.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $11.1M | +26% | 41.6% | $3.4M | $4.6M |
| Q2 2026 | 10-Q | Aug 7, 2026 | $10.3M | +29% | 43.2% | $3.3M | $12.0M |
| Q1 2026 | 10-Q | May 8, 2026 | $10.2M | +47% | 42.0% | $3.1M | $2.8M |
| Q2 2025 | 10-Q | Aug 8, 2025 | $8.0M | +27% | 23.9% | $1.4M | $1.9M |
| Q1 2025 | 10-Q | May 9, 2025 | $6.9M | +11% | 24.9% | $1.3M | −$631K |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
About ECB Bancorp
This Annual Report contains forward-looking statements, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “assume,” “plan,” “seek,” “expect,” “will,” “may,” “should,” “indicate,” “would,” “believe,” “contemplate,” “continue,” “target” and words of similar meaning. These forward-looking statements include, but are not limited to: These forward-looking statements are based on our current beliefs and expectations and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change.
In its own words, from its 10-K, filed Mar 25, 2026.
ECB Bancorp against its Savings Institutions, Not Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +26% against the peers' median +8%. Operating margin: 41.6% against the peers' median 36.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| ECBK ECB Bancorp | Q3 2026 | $11.1M | +26% | 41.6% |
| FLG Flagstar Bank, National Association | Q3 2026 | $530M | +2% | -1.9% |
| BBT Beacon Financial | Q2 2025 | $114M | +5% | 36.5% |
| HFWA Heritage Financial | Q3 2026 | $86.5M | +32% | 25.8% |
| NBBK NB Bancorp | Q3 2026 | $76.5M | +48% | 37.9% |
| TCBX Third Coast Bancshares | Q3 2026 | $65.9M | +21% | 36.1% |
| SMBC Southern Missouri Bancorp | Q1 FY27 | $53.1M | +8% | 44.4% |
| HBCP Home Bancorp | Q3 2026 | $40.1M | +6% | 31.8% |
| NARA Narragansett Bancorp | Q2 2026 | $35.3M | +6% | 11.2% |
Source: ECB Bancorp 10-Q on SEC EDGAR · CIK 1914605 · Savings Institutions, Not Federally Chartered
Guidance and outlook
13F: who owns ECBK and who is buying
More on ECBK
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q2 2025 results · Q1 2025 results