Filing Flows › Financials › Magnolia Bancorp (MGNO)
Magnolia Bancorp (MGNO) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Magnolia Bancorp (MGNO) Q3 2026 earnings results →
Q3 2026 Revenue up 2% year over year to $347K · 16¢ of every $1 of revenue lost · operating margin -15.9%
Magnolia Bancorp made $347K in Q3 2026 (+2% Y/Y): Net interest income $340K, Noninterest income $7K. Operating margin -15.9%, net loss $55K. 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 $347K in Q3 2026, up 2% year over year and up 1% from the previous quarter. Net interest income was the largest line at 98% of revenue. Net interest income added $9K year over year (up 3%), 129% of the total change. Noninterest income declined 22%.
Operating costs exceeded revenue by $55K, an operating margin of -15.9%. Total costs grew 0% against revenue growth of 2%. The quarter ended with a net loss of $55K, narrower than the previous quarter's $65K loss.
Operating cash flow was $23K (up 667% year over year). Non-cash charges added back $5K of depreciation and amortization and $12K of share-based compensation. Working capital and other items added $61K.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $347K | +2% | -15.9% | −$55K | $23K |
| Q2 2026 | 10-Q | Aug 11, 2026 | $345K | +0.9% | -18.8% | −$65K | −$31K |
| Q1 2026 | 10-Q | May 12, 2026 | $348K | +3% | -19.8% | −$69K | $162K |
| Q4 2025 | 10-K | Mar 16, 2026 | $350K | +26% | -14.0% | −$56K | −$385K |
| Q3 2025 | 10-Q | Nov 10, 2025 | $340K | +26% | -17.6% | −$48K | $3K |
| Q2 2025 | 10-Q | Aug 12, 2025 | $342K | +23% | -12.9% | −$36K | −$25K |
| Q1 2025 | 10-Q | May 14, 2025 | $338K | +21% | -11.2% | −$30K | −$32K |
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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📈Investments: gains and what it boughtinteractive
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About Magnolia Bancorp
Magnolia Bancorp, Inc. (“Magnolia Bancorp” or the “Company”) was incorporated by Mutual Savings and Loan Association (“Mutual Savings” or the “Association”) in May 2024 as part of the conversion of Mutual Savings from the mutual to the stock form of organization (the “Conversion”). The Conversion was completed on January 14, 2025, at which time the Company acquired all of the issued and outstanding shares of common stock of the Association and the Association became a wholly owned subsidiary of Magnolia Bancorp. Concurrently with consummation of the Conversion, the Company completed its initial public offering and issued 833,750 shares of its common stock for an aggregate of $8.3 million. Total net proceeds from the offering were approximately $6.9 million (including shares issued to the Company’s employee stock ownership plan (“ESOP”)).
In its own words, from its 10-K, filed Mar 16, 2026.
Magnolia Bancorp against its Savings Institution, Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +2% against the peers' median +4%. Operating margin: -15.9% against the peers' median 35.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| MGNO Magnolia Bancorp | Q3 2026 | $347K | +2% | -15.9% |
| AX Axos Financial | Q1 FY27 | $395M | +22% | 44.3% |
| EBC Eastern Bankshares | Q3 2026 | $307M | +27% | 45.7% |
| BKU BankUnited | Q3 2026 | $280M | +2% | 34.6% |
| PFS Provident Financial Services | Q3 2026 | $239M | +8% | 38.8% |
| NRIM Northrim Bancorp | Q3 2026 | $69.9M | -9% | 26.8% |
| HTB HomeTrust Bancshares | Q3 2026 | $55.5M | +3% | 37.1% |
| KRNY Kearny Financial | Q1 FY27 | $45.3M | +4% | 28.0% |
| PDLB Ponce Financial Group | Q3 2026 | $34.8M | +30% | 35.5% |
Source: Magnolia Bancorp 10-Q on SEC EDGAR · CIK 2033615 · Savings Institution, Federally Chartered
Guidance and outlook
More on MGNO
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results