Filing Flows › Financial Institutions (FISI) › Q3 2026 › vs Q3 2025
Financial Institutions (FISI) Q3 2026 vs Q3 2025 (year over year)
Financial Institutions's revenue rose $903K (+1%) from $63.8M in Q3 2025 to $64.7M in Q3 2026. The biggest changes: Net interest income +$2.5M (+5%); Noninterest income −$1.6M (-13%). Operating margin 37.1% against 39.5% (-2.4 pts).
Financial Institutions, Q3 2026: revenue $64.7M (+1% year over year), operating margin 37.1%, net earnings $20.0M, operating cash flow $33.6M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 37.1% | 39.5% | -2.4 pts |
| Net margin | 30.9% | 32.1% | -1.2 pts |
| Free cash flow margin | 49.1% | -12.4% | +61.5 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $54.3M | $51.8M | $2.5M | +5% |
| Noninterest income | $10.5M | $12.1M | −$1.6M | -13% |
| Revenue | $64.7M | $63.8M | $903K | +1% |
| Operating profit | $24.0M | $25.2M | −$1.2M | -5% |
| Costs & expenses | $40.7M | $38.6M | $2.1M | +5% |
| Pre-tax earnings | $24.0M | $25.2M | −$1.2M | -5% |
| Credit loss provision | $3.9M | $2.7M | $1.1M | +42% |
| Noninterest expense | $36.8M | $35.9M | $947K | +3% |
| Net earnings | $20.0M | $20.5M | −$486K | -2% |
| Income tax | $4.1M | $4.8M | −$705K | -15% |
| Depreciation & amortization | $1.9M | $1.9M | $22K | +1% |
| Share-based compensation | $947K | $756K | $191K | +25% |
| Working capital & other | $10.8M | −$30.0M | $40.8M | — |
| Operating cash flow | $33.6M | −$6.9M | $40.5M | — |
| Free cash flow (OCF − capex) | $31.8M | −$7.9M | $39.7M | — |
| Capital expenditures | $1.8M | $1.0M | $779K | +77% |
Questions
How much did Financial Institutions's revenue grow year over year in Q3 2026?
Financial Institutions's revenue rose $903K (+1%) from $63.8M in Q3 2025 to $64.7M in Q3 2026.
What drove Financial Institutions's revenue change in Q3 2026?
Net interest income +$2.5M (+5%); Noninterest income −$1.6M (-13%).