Filing Flows › ECB Bancorp (ECBK) › Q3 2026
ECB Bancorp (ECBK) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
ECB Bancorp (ECBK) reported revenue of $11.1M for the third quarter 2026 (Q3 2026), +26% from a year earlier and +7% from the quarter before. Operating margin was 41.6%, net earnings $3.4M (30.6% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $11.1M | +7% | +26% |
| Operating profit | $4.6M | +3% | +42% |
| Net earnings | $3.4M | +4% | +39% |
| Operating cash flow | $4.6M | -62% | +14% |
| Free cash flow | $3.4M | -71% | -13% |
What changed
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.
Questions
What was ECB Bancorp's revenue in the third quarter 2026?
ECB Bancorp (ECBK) reported revenue of $11.1M for the third quarter 2026 (Q3 2026), +26% from a year earlier and +7% from the quarter before.
Was ECB Bancorp profitable in the third quarter 2026?
Operating profit was $4.6M (41.6% of revenue) and net earnings $3.4M.
Source: ECB Bancorp 10-Q on SEC EDGAR.