Filing Flows › ECB Bancorp (ECBK) › Q3 2026 › vs Q3 2025
ECB Bancorp (ECBK) Q3 2026 vs Q3 2025 (year over year)
ECB Bancorp's revenue rose $2.3M (+26%) from $8.8M in Q3 2025 to $11.1M in Q3 2026. The biggest changes: Net interest income +$2.3M (+28%); Noninterest income −$37K (-11%). Operating margin 41.6% against 37.0% (+4.6 pts).
ECB Bancorp, Q3 2026: revenue $11.1M (+26% year over year), operating margin 41.6%, net earnings $3.4M, operating cash flow $4.6M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 41.6% | 37.0% | +4.6 pts |
| Net margin | 30.6% | 27.7% | +2.8 pts |
| Free cash flow margin | 30.9% | 44.9% | -14.0 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $10.8M | $8.5M | $2.3M | +28% |
| Noninterest income | $304K | $341K | −$37K | -11% |
| Revenue | $11.1M | $8.8M | $2.3M | +26% |
| Operating profit | $4.6M | $3.3M | $1.4M | +42% |
| Costs & expenses | $6.5M | $5.5M | $939K | +17% |
| Pre-tax earnings | $4.6M | $3.3M | $1.4M | +42% |
| Credit loss provision | $205K | $183K | $22K | +12% |
| Noninterest expense | $6.3M | $5.4M | $917K | +17% |
| Net earnings | $3.4M | $2.4M | $952K | +39% |
| Income tax | $1.2M | $817K | $406K | +50% |
| Depreciation & amortization | $72K | $74K | −$2K | -3% |
| Share-based compensation | $358K | $315K | $43K | +14% |
| Working capital & other | $774K | $1.2M | −$423K | -35% |
| Operating cash flow | $4.6M | $4.0M | $570K | +14% |
| Free cash flow (OCF − capex) | $3.4M | $4.0M | −$526K | -13% |
| Capital expenditures | $1.2M | $71K | $1.1M | 16× |
Questions
How much did ECB Bancorp's revenue grow year over year in Q3 2026?
ECB Bancorp's revenue rose $2.3M (+26%) from $8.8M in Q3 2025 to $11.1M in Q3 2026.
What drove ECB Bancorp's revenue change in Q3 2026?
Net interest income +$2.3M (+28%); Noninterest income −$37K (-11%).