Filing Flows › QCR Holdings (QCRH) › Q3 2026
QCR Holdings (QCRH) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
QCR Holdings (QCRH) reported revenue of $99.2M for the third quarter 2026 (Q3 2026), -2% from a year earlier and +2% from the quarter before. Operating margin was 40.3%, net earnings $36.4M (36.7% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $99.2M | +2% | -2% |
| Operating profit | $40.0M | +1% | -1% |
| Net earnings | $36.4M | +0.5% | -0.8% |
| Operating cash flow | $30.6M | -94% | -35% |
| Free cash flow | $11.9M | -97% | -63% |
What changed
Revenue was $99.2M in Q3 2026, down 2% year over year and up 2% from the previous quarter. Net interest income was the largest line at 69% of revenue. Noninterest income lost $6.2M year over year (down 17%), 271% of the total change.
Operating profit was $40.0M, a 40.3% margin (up 0.4 points year over year). Total costs fell 3% while revenue fell 2%. Net earnings were $36.4M, down 1% year over year. The effective tax rate was 8.9%.
Operating cash flow was $30.6M (down 35% year over year), 84% of net earnings. Non-cash charges added back $3.4M of depreciation and amortization and $609K of share-based compensation. Working capital and other items used $9.9M. Capital expenditures of $18.8M left free cash flow of $11.9M.
Questions
What was QCR Holdings' revenue in the third quarter 2026?
QCR Holdings (QCRH) reported revenue of $99.2M for the third quarter 2026 (Q3 2026), -2% from a year earlier and +2% from the quarter before.
Was QCR Holdings profitable in the third quarter 2026?
Operating profit was $40.0M (40.3% of revenue) and net earnings $36.4M.
Source: QCR Holdings 10-Q on SEC EDGAR.