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Wilson Bank Holding (WBHC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Wilson Bank Holding (WBHC) Q3 2026 earnings results →
Q3 2026 Revenue up 9% year over year to $97.3M · 23¢ of every $1 of revenue kept as net profit · operating margin 29.5%
Wilson Bank Holding made $97.3M in Q3 2026 (+9% Y/Y). Operating margin 29.5%, net earnings $22.3M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $97.3M in Q3 2026, up 9% year over year and up 3% from the previous quarter.
Operating profit was $28.7M, a 29.5% margin (up 3.5 points year over year). Of the extra revenue versus Q3 2025, 67% reached operating profit, above the 26% margin then. Total costs grew 4% against revenue growth of 9%. Net earnings were $22.3M, up 25% year over year. The effective tax rate was 22.5%.
Operating cash flow was $37.5M (up 33% year over year), 168% of net earnings. Non-cash charges added back $1.1M of depreciation and amortization and $434K of share-based compensation. Working capital and other items added $13.8M. Capital expenditures of $2.0M left free cash flow of $35.5M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $97.3M | +9% | 29.5% | $22.3M | $37.5M |
| Q2 2026 | 10-Q | Aug 7, 2026 | $94.7M | +5% | 28.8% | $20.8M | $17.0M |
| Q1 2026 | 10-Q | May 8, 2026 | $93.9M | +11% | 30.9% | $22.3M | $25.6M |
| Q4 2025 | 10-K | Feb 27, 2026 | $93.9M | +13% | 29.2% | $22.3M | $19.4M |
| Q3 2025 | 10-Q | Nov 7, 2025 | $88.9M | +11% | 26.0% | $17.9M | $28.1M |
| Q2 2025 | 10-Q | Aug 8, 2025 | $90.0M | +16% | 27.7% | $19.1M | $19.9M |
| Q1 2025 | 10-Q | May 9, 2025 | $84.6M | +17% | 25.5% | $16.4M | $22.5M |
Charts
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🔄Rotation against the market and its industry (RRG)interactive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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About Wilson Bank Holding
The disclosures set forth in this item are qualified by Item 1A. Risk Factors and the section captioned “Forward-Looking Statements” appearing elsewhere in this Annual Report on Form 10-K and other cautionary statements set forth elsewhere in this report. Wilson Bank Holding Company (the “Company”) is a bank holding company that was incorporated on March 17, 1992 under the laws of the State of Tennessee. The purpose of the Company was to acquire all of the issued and outstanding capital stock of Wilson Bank and Trust (the “Bank”) and act as a one-bank holding company. On November 17, 1992, the Company acquired 100% of the capital stock of the Bank pursuant to the terms of an agreement and plan of share exchange. The Bank is the only direct subsidiary of the Company.
In its own words, from its 10-K, filed Feb 27, 2026.
Wilson Bank Holding against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +9% against the peers' median +8%. Operating margin: 29.5% against the peers' median 30.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| WBHC Wilson Bank Holding | Q3 2026 | $97.3M | +9% | 29.5% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Wilson Bank Holding 10-Q on SEC EDGAR · CIK 885275 · National Commercial Banks
Guidance and outlook
More on WBHC
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results