The earnings call reflected a strong financial performance with significant improvements in EPS, net interest income, and loan growth. Although there were some challenges such as the below-average capital markets revenue and increased net charge-offs, these were largely mitigated by previously identified reserves and strategic plans. Overall, the positive aspects, including asset quality and wealth management growth, were significant.

Company Guidance -

Q3 2025

During the QCR Holdings, Inc. Second Quarter 2025 Financial Results Conference Call, the company reported a strong performance with a 13% increase in EPS compared to the first quarter. Key drivers included a significant rise in net interest income due to net interest margin (NIM) expansion and robust loan growth. Loan growth rebounded to an annualized rate of 8%, and the company expects 8% to 10% gross loan growth for the second half of the year. Capital markets revenue improved significantly, increasing by over 50% on a linked-quarter basis, and the company reaffirmed guidance for capital markets revenue to be between $50 million to $60 million over the next four quarters. Noninterest expenses were well managed, contributing to an adjusted ROAA of 1.29%. The company reported adjusted net income of $29 million or $1.73 per diluted share, with net interest income at $62 million. The NIM increased by 4 basis points from the previous quarter. The company anticipates capital markets revenue for the third quarter to range from $13 million to $16 million and projects a NIM static to increase by 4 basis points, assuming no further Federal Reserve rate cuts.

EPS Improvement

QCR Holdings delivered strong second quarter earnings, with an EPS improvement of 13% over the first quarter.

Net Interest Income Increase

Significant increase in net interest income driven by net interest margin expansion and strong loan growth.

Loan Growth Rebound

Loan growth rebounded, reaching an annualized rate of 8% when accounting for planned runoff.

Improved Capital Markets Revenue

Capital markets revenue improved significantly from the first quarter, up more than 50% on a linked-quarter basis.

Asset Quality Remains Excellent

Net charge-offs increased but were tied to previously identified and fully reserved credits, with minimal change in provision for credit losses.

Strong Wealth Management Growth

Wealth management business achieved a compound annual growth rate of 10% over the past five years.

QCR Holdings (QCRH) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

QCRH Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	1.71 / -	1.78	―	―	―
Jul 23, 2025	2025 (Q2)	1.59 / 1.73	1.73	0.00% (0.00)	―
Apr 22, 2025	2025 (Q1)	1.51 / 1.53	1.59	-3.77% (-0.06)	―
Jan 22, 2025	2024 (Q4)	1.73 / 1.93	1.97	-2.03% (-0.04)
Oct 23, 2024	2024 (Q3)	1.52 / 1.78	1.51	17.88% (+0.27)	―
Jul 24, 2024	2024 (Q2)	1.40 / 1.73	1.69	2.37% (+0.04)
Apr 23, 2024	2024 (Q1)	1.30 / 1.59	1.65	-3.64% (-0.06)
Jan 23, 2024	2023 (Q4)	1.34 / 1.97	1.83	7.65% (+0.14)
Oct 25, 2023	2023 (Q3)	1.36 / 1.51	1.69	-10.65% (-0.18)
Jul 26, 2023	2023 (Q2)	1.34 / 1.69	1.73	-2.31% (-0.04)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

QCRH Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 23, 2025	$75.25	$74.34	-1.21%
Apr 22, 2025	$67.96	$66.26	-2.50%
Jan 22, 2025	$80.82	$79.21	-1.99%
Oct 23, 2024	$77.86	$77.97	+0.14%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does QCR Holdings (QCRH) report earnings?

QCR Holdings (QCRH) is schdueled to report earning on Oct 22, 2025, After Close (Confirmed).

What is QCR Holdings (QCRH) earnings time?

QCR Holdings (QCRH) earnings time is at Oct 22, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is QCRH EPS forecast?

QCRH EPS forecast for the fiscal quarter 2025 (Q3) is 1.71.

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