Filing Flows › Wilson Bank Holding (WBHC) › Q3 2025
Wilson Bank Holding (WBHC) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 7, 2025
Wilson Bank Holding (WBHC) reported revenue of $88.9M for the third quarter 2025 (Q3 2025), +11% from a year earlier and -1% from the quarter before. Operating margin was 26.0%, net earnings $17.9M (20.1% of revenue).
Wilson Bank Holding, Q3 2025: revenue $88.9M (+11% year over year), operating margin 26.0%, net earnings $17.9M, operating cash flow $28.1M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $88.9M | -1% | +11% |
| Operating profit | $23.2M | -7% | +41% |
| Net earnings | $17.9M | -7% | +41% |
| Operating cash flow | $28.1M | +41% | +50% |
| Free cash flow | $27.4M | +46% | +52% |
What changed
Revenue was $88.9M in Q3 2025, up 11% year over year and down 1% from the previous quarter.
Operating profit was $23.2M, a 26.0% margin (up 5.6 points year over year). Of the extra revenue versus a year earlier, 78% reached operating profit, above the 20% margin then. Total costs grew 3% against revenue growth of 11%. The fastest-growing cost line was Sales & marketing (+54%). Net earnings were $17.9M, up 41% year over year. The effective tax rate was 22.8%.
Operating cash flow was $28.1M (up 50% year over year), 157% of net earnings. Non-cash charges added back $1.0M of depreciation and amortization. Working capital and other items added $9.2M. Capital expenditures of $716K left free cash flow of $27.4M.
Questions
What was Wilson Bank Holding's revenue in the third quarter 2025?
Wilson Bank Holding (WBHC) reported revenue of $88.9M for the third quarter 2025 (Q3 2025), +11% from a year earlier and -1% from the quarter before.
Was Wilson Bank Holding profitable in the third quarter 2025?
Operating profit was $23.2M (26.0% of revenue) and net earnings $17.9M.