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QCR Holdings Earnings Calls
| Release date | Oct 22, 2025 |
| EPS estimate | $1.73 |
| EPS actual | $2.17 |
| EPS Surprise | 25.43% |
| Revenue estimate | 104.528M |
| Revenue actual | 99.108M |
| Revenue Surprise | -5.18% |
| Release date | Jul 23, 2025 |
| EPS estimate | $1.63 |
| EPS actual | $1.73 |
| EPS Surprise | 6.13% |
| Revenue estimate | 99.039M |
| Revenue actual | 81.796M |
| Revenue Surprise | -17.41% |
| Release date | Apr 22, 2025 |
| EPS estimate | $1.52 |
| EPS actual | $1.53 |
| EPS Surprise | 0.658% |
| Revenue estimate | 97.194M |
| Revenue actual | 74.621M |
| Revenue Surprise | -23.22% |
| Release date | Jan 22, 2025 |
| EPS estimate | $1.74 |
| EPS actual | $1.93 |
| EPS Surprise | 10.92% |
| Revenue estimate | 99.988M |
| Revenue actual | 89.011M |
| Revenue Surprise | -10.98% |
Last 4 Quarters for QCR Holdings
Below you can see how QCRH performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jan 22, 2025 |
| Price on release | $80.96 |
| EPS estimate | $1.74 |
| EPS actual | $1.93 |
| EPS surprise | 10.92% |
| Date | Price |
|---|---|
| Jan 15, 2025 | $80.62 |
| Jan 16, 2025 | $80.61 |
| Jan 17, 2025 | $80.70 |
| Jan 21, 2025 | $81.55 |
| Jan 22, 2025 | $80.96 |
| Jan 23, 2025 | $79.35 |
| Jan 24, 2025 | $78.75 |
| Jan 27, 2025 | $78.93 |
| Jan 28, 2025 | $78.77 |
| 4 days before | 0.422% |
| 4 days after | -2.71% |
| On release day | -1.99% |
| Change in period | -2.29% |
| Release date | Apr 22, 2025 |
| Price on release | $68.02 |
| EPS estimate | $1.52 |
| EPS actual | $1.53 |
| EPS surprise | 0.658% |
| Date | Price |
|---|---|
| Apr 15, 2025 | $65.73 |
| Apr 16, 2025 | $65.90 |
| Apr 17, 2025 | $66.93 |
| Apr 21, 2025 | $65.83 |
| Apr 22, 2025 | $68.02 |
| Apr 23, 2025 | $66.32 |
| Apr 24, 2025 | $65.12 |
| Apr 25, 2025 | $64.16 |
| Apr 28, 2025 | $64.78 |
| 4 days before | 3.48% |
| 4 days after | -4.76% |
| On release day | -2.50% |
| Change in period | -1.45% |
| Release date | Jul 23, 2025 |
| Price on release | $75.25 |
| EPS estimate | $1.63 |
| EPS actual | $1.73 |
| EPS surprise | 6.13% |
| Date | Price |
|---|---|
| Jul 17, 2025 | $75.10 |
| Jul 18, 2025 | $75.14 |
| Jul 21, 2025 | $75.27 |
| Jul 22, 2025 | $75.35 |
| Jul 23, 2025 | $75.25 |
| Jul 24, 2025 | $74.34 |
| Jul 25, 2025 | $75.33 |
| Jul 28, 2025 | $73.92 |
| Jul 29, 2025 | $72.64 |
| 4 days before | 0.200% |
| 4 days after | -3.47% |
| On release day | -1.21% |
| Change in period | -3.28% |
| Release date | Oct 22, 2025 |
| Price on release | $71.49 |
| EPS estimate | $1.73 |
| EPS actual | $2.17 |
| EPS surprise | 25.43% |
| Date | Price |
|---|---|
| Oct 16, 2025 | $67.04 |
| Oct 17, 2025 | $67.66 |
| Oct 20, 2025 | $69.95 |
| Oct 21, 2025 | $71.20 |
| Oct 22, 2025 | $71.49 |
| Oct 23, 2025 | $73.76 |
| Oct 24, 2025 | $76.89 |
| Oct 27, 2025 | $75.76 |
| Oct 28, 2025 | $75.52 |
| 4 days before | 6.64% |
| 4 days after | 5.64% |
| On release day | 3.18% |
| Change in period | 12.65% |
QCR Holdings Earnings Call Transcript Summary of Q3 2025
QCR Holdings delivered a strong Q3 2025: record adjusted quarterly net income of $37 million ($2.17 EPS) driven by a rebound in capital markets revenue, robust loan growth and continued net interest margin (NIM) expansion. Key financials and guidance: capital markets revenue rebounded to $24 million and management raised its next-4-quarter Capital Markets revenue guide to $55–$65 million; loans grew ~$286 million annualized (17% adj. for planned M2 runoff) and management guides to gross annualized loan growth of 10–15% for Q4; NIM (tax-equivalent) expanded and Q4 NIM guidance is +3 to +7 basis points (includes full-quarter benefit of the Sept Fed cut), with an expected ~2–3 bp NIM benefit per 25 bp Fed cut thereafter. Asset quality improved (lower NPAs and charge-offs, allowance 1.24% of loans), core deposits increased, and tangible book value per share rose materially. Strategic initiatives: continued digital transformation with core conversions (first conversion completed; further conversions through 2027) expected to drive long-term operating leverage and cost savings (one-time conversion costs of roughly $4–5 million in 2025, $3–4 million in 2026; material efficiencies expected in 2H 2027+). LIHTC lending remains a differentiated growth engine; management plans additional LIHTC permanent loan securitizations (targeting a ~$350M deal in H1 2026) and is pursuing construction-loan sale/participation arrangements to free balance-sheet capacity and boost capital markets revenue. Capital allocation: board authorized up to 1.7 million share repurchase program (company repurchased $10M on Oct 20); buybacks to be opportunistic given attractive valuations. Capital ratios remain strong though CET1 declined slightly due to rapid loan growth and buybacks; management completed a $70M subordinated debt replacement and added a $134M term borrowing secured by municipal bonds. Overall, QCR emphasizes durable LIHTC revenue, continued double-digit gross loan growth prospects, prudent reserve management, and disciplined, opportunistic capital returns while investing in technology to improve long-term efficiency.
