Filing Flows › ECB Bancorp (ECBK) › Q2 2026
ECB Bancorp (ECBK) Q2 2026 earnings results (second quarter 2026)
10-Q filed Aug 7, 2026
ECB Bancorp (ECBK) reported revenue of $10.3M for the second quarter 2026 (Q2 2026), +29% from a year earlier and +2% from the quarter before. Operating margin was 43.2%, net earnings $3.3M (31.5% of revenue).
ECB Bancorp, Q2 2026: revenue $10.3M (+29% year over year), operating margin 43.2%, net earnings $3.3M, operating cash flow $12.0M. The chart follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $10.3M | +2% | +29% |
| Operating profit | $4.5M | +5% | +133% |
| Net earnings | $3.3M | +4% | +126% |
| Operating cash flow | $12.0M | +327% | +533% |
| Free cash flow | $11.8M | +320% | +538% |
What changed
Revenue was $10.3M in Q2 2026, up 29% year over year and up 2% from the previous quarter.
Operating profit was $4.5M, a 43.2% margin (up 19.3 points year over year). Of the extra revenue versus Q2 2025, 110% reached operating profit, above the 24% margin then. Total costs fell 4% while revenue rose 29%. The fastest-growing cost line was Noninterest expense (+17%). Net earnings were $3.3M, up 126% year over year. The effective tax rate was 27.0%.
Operating cash flow was $12.0M (up 533% year over year), 368% of net earnings. Non-cash charges added back $75K of depreciation and amortization and $335K of share-based compensation. Working capital and other items added $8.3M. Capital expenditures of $213K left free cash flow of $11.8M.
Questions
What was ECB Bancorp's revenue in the second quarter 2026?
ECB Bancorp (ECBK) reported revenue of $10.3M for the second quarter 2026 (Q2 2026), +29% from a year earlier and +2% from the quarter before.
Was ECB Bancorp profitable in the second quarter 2026?
Operating profit was $4.5M (43.2% of revenue) and net earnings $3.3M.
Source: ECB Bancorp 10-Q on SEC EDGAR.