Filing Flows › Farmers National Banc (FMNB) › Q3 2026
Farmers National Banc (FMNB) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Farmers National Banc (FMNB) reported revenue of $96.4M for the third quarter 2026 (Q3 2026), +36% from a year earlier and -4% from the quarter before. Operating margin was 17.0%, net earnings $14.5M (15.1% of revenue).
Farmers National Banc, Q3 2026: revenue $96.4M (+36% year over year), operating margin 17.0%, net earnings $14.5M, operating cash flow $28.9M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $96.4M | -4% | +36% |
| Operating profit | $16.4M | -39% | +12% |
| Net earnings | $14.5M | -37% | +17% |
| Operating cash flow | $28.9M | +9% | +170% |
| Free cash flow | $28.1M | +8% | +211% |
What changed
Revenue was $96.4M in Q3 2026, up 36% year over year and down 4% from the previous quarter.
Operating profit was $16.4M, a 17.0% margin (down 3.6 points year over year). Of the extra revenue versus Q3 2025, 7% reached operating profit, below the 21% margin then. Total costs grew 42% against revenue growth of 36%. Net earnings were $14.5M, up 17% year over year. The effective tax rate was 11.6%.
Operating cash flow was $28.9M (up 170% year over year), 199% of net earnings. Non-cash charges added back $2.7M of depreciation and amortization and $812K of share-based compensation. Working capital and other items added $10.9M. Capital expenditures of $880K left free cash flow of $28.1M.
Questions
What was Farmers National Banc's revenue in the third quarter 2026?
Farmers National Banc (FMNB) reported revenue of $96.4M for the third quarter 2026 (Q3 2026), +36% from a year earlier and -4% from the quarter before.
Was Farmers National Banc profitable in the third quarter 2026?
Operating profit was $16.4M (17.0% of revenue) and net earnings $14.5M.