Filing Flows › QCR Holdings (QCRH) › Q3 2026 › vs Q3 2025
QCR Holdings (QCRH) Q3 2026 vs Q3 2025 (year over year)
QCR Holdings's revenue fell $2.3M (-2%) from $101M in Q3 2025 to $99.2M in Q3 2026. The biggest changes: Noninterest income −$6.2M (-17%); Net interest income +$3.9M (+6%). Operating margin 40.3% against 40.0% (+0.4 pts).
QCR Holdings, Q3 2026: revenue $99.2M (-2% year over year), operating margin 40.3%, net earnings $36.4M, operating cash flow $30.6M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 40.3% | 40.0% | +0.4 pts |
| Net margin | 36.7% | 36.2% | +0.5 pts |
| Free cash flow margin | 12.0% | 31.3% | -19.3 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $68.7M | $64.8M | $3.9M | +6% |
| Noninterest income | $30.5M | $36.7M | −$6.2M | -17% |
| Revenue | $99.2M | $101M | −$2.3M | -2% |
| Operating profit | $40.0M | $40.6M | −$562K | -1% |
| Costs & expenses | $59.2M | $60.9M | −$1.7M | -3% |
| Pre-tax earnings | $40.0M | $40.6M | −$562K | -1% |
| Credit loss provision | $4.5M | $4.3M | $147K | +3% |
| Noninterest expense | $54.7M | $56.6M | −$1.9M | -3% |
| Net earnings | $36.4M | $36.7M | −$280K | -0.8% |
| Income tax | $3.6M | $3.8M | −$282K | -7% |
| Depreciation & amortization | $3.4M | $3.1M | $297K | +9% |
| Share-based compensation | $609K | $688K | −$79K | -11% |
| Working capital & other | $9.9M | −$6.9M | $16.8M | — |
| Operating cash flow | $30.6M | $47.5M | −$16.8M | -35% |
| Free cash flow (OCF − capex) | $11.9M | $31.7M | −$19.9M | -63% |
| Capital expenditures | $18.8M | $15.7M | $3.0M | +19% |
Questions
How much did QCR Holdings's revenue grow year over year in Q3 2026?
QCR Holdings's revenue fell $2.3M (-2%) from $101M in Q3 2025 to $99.2M in Q3 2026.
What drove QCR Holdings's revenue change in Q3 2026?
Noninterest income −$6.2M (-17%); Net interest income +$3.9M (+6%).