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QCR Holdings Earnings Calls
| Release date | Apr 22, 2026 |
| EPS estimate | $1.78 |
| EPS actual | $1.99 |
| EPS Surprise | 11.80% |
| Revenue estimate | 104.057M |
| Revenue actual | 90.39M |
| Revenue Surprise | -13.13% |
| Release date | Jan 27, 2026 |
| EPS estimate | $1.96 |
| EPS actual | $2.21 |
| EPS Surprise | 12.76% |
| Revenue estimate | 106.867M |
| Revenue actual | 107.019M |
| Revenue Surprise | 0.142% |
| 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% |
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 | 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% |
| Release date | Jan 27, 2026 |
| Price on release | $88.13 |
| EPS estimate | $1.96 |
| EPS actual | $2.21 |
| EPS surprise | 12.76% |
| Date | Price |
|---|---|
| Jan 21, 2026 | $90.00 |
| Jan 22, 2026 | $90.03 |
| Jan 23, 2026 | $87.16 |
| Jan 26, 2026 | $87.17 |
| Jan 27, 2026 | $88.13 |
| Jan 28, 2026 | $89.49 |
| Jan 29, 2026 | $90.77 |
| Jan 30, 2026 | $90.26 |
| Feb 02, 2026 | $92.35 |
| 4 days before | -2.08% |
| 4 days after | 4.79% |
| On release day | 1.54% |
| Change in period | 2.61% |
| Release date | Apr 22, 2026 |
| Price on release | $88.97 |
| EPS estimate | $1.78 |
| EPS actual | $1.99 |
| EPS surprise | 11.80% |
| Date | Price |
|---|---|
| Apr 16, 2026 | $90.59 |
| Apr 17, 2026 | $92.77 |
| Apr 20, 2026 | $92.31 |
| Apr 21, 2026 | $90.43 |
| Apr 22, 2026 | $88.97 |
| Apr 23, 2026 | $88.56 |
| Apr 24, 2026 | $88.39 |
| Apr 27, 2026 | $91.19 |
| Apr 28, 2026 | $92.41 |
| 4 days before | -1.79% |
| 4 days after | 3.87% |
| On release day | -0.461% |
| Change in period | 2.01% |
QCR Holdings Earnings Call Transcript Summary of Q1 2026
QCR Holdings delivered a very strong Q1 2026: net income of $33.0 million ($1.99 diluted EPS), the company called its “most profitable first quarter in our company's history.” Performance was driven by healthy loan and deposit growth, lower noninterest expense (Q1 noninterest expense $52M vs. $63M in Q4), modest margin expansion and strong Wealth Management and LIHTC lending results. Asset quality remained excellent (NPA ratio 0.45%; criticized loans near 5-year low). Management reaffirmed gross annualized loan growth guidance of 10%–15% for the remaining 3 quarters of 2026 and raised the lower end of capital markets revenue guidance by $5M to a $60M–$70M range for the next four quarters. QCR identified $523M of LIHTC loans (construction and permanent) for planned securitization/sale in Q2 — part of a deliberate strategy to be more asset-light/capital-efficient while growing capital markets revenue. The company returned capital via opportunistic buybacks (~288k shares, ~$25M through Apr 20; $46M total since Aug 2025) and modestly raised the dividend. Digital transformation (core conversions underway) and selective third‑party AI/platform integration with Jack Henry are expected to drive future operating leverage. Balance sheet: total loans +$145M in Q1 (8% annualized), core deposit growth accelerated but average deposits rose modestly, loan-to-deposit ratio ~87% (expected to normalize toward ~90–95% in Q2). Capital ratios remain healthy (CET1 ~10.54%); management expects to remain opportunistic on share repurchases while preparing for potential >$10B asset level in 2027. Near-term NIM guidance: Q2 NIM TEY expected to be flat to +3 bps (assuming no Fed moves), with sensitivity of roughly 1–2 bps NIM accretion per 25 bps Fed cut; Q2 noninterest expense guided to $55M–$58M. Overall, investors should note the durable LIHTC growth strategy (securitizations/loan sales to manage capacity), strong expense flexibility, continued capital returns, and cautious but constructive margin and loan growth outlook.
