QCR Holdings (QCRH)
NASDAQ:QCRH
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Earnings Data
Report Date
Jul 29, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.91Last Year’s EPS
1.73Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed strong operating and financial performance driven by record quarterly profitability, robust loan and deposit flows, disciplined expense management, a growing and scalable LIHTC platform, meaningful wealth management momentum, and active capital returns. Near-term margin dynamics are mixed — NIM improvement was modest and below guidance, and planned LIHTC offtakes will create temporary earning-asset and provision profile noise — but management has clear plans to manage capital and liquidity, is reaffirming loan growth guidance (10–15% annualized over the next three quarters), and raised capital markets revenue guidance reflecting confidence in the pipeline. Asset quality remains healthy and capital returns have been opportunistic. Overall, positives around profitability, efficiency, LIHTC strategy, and shareholder returns materially outweigh the highlighted near-term margin and transaction-related noises.Company Guidance
Record First-Quarter Profitability
Most profitable Q1 in company history with net income of $33.0 million and diluted EPS of $1.99; earnings per share grew 31% year-over-year and return on average assets was 1.40%.
Strong Loan and Deposit Growth
Total loans increased $145 million during the quarter (8% annualized, excluding planned portfolio runoff); core deposits grew $409 million (23% annualized) while average deposits rose $31 million (2% annualized).
Material LIHTC Pipeline and Execution
$523 million of LIHTC loans (construction and permanent) identified for securitization and sale in Q2; closed 13 LIHTC projects in Q1 (including 3 with new developers) and described LIHTC as a capital-efficient, revenue-heavy growth engine supporting increased capital markets revenue and market share in affordable housing.
Raised Capital Markets Guidance
Increased the lower end of capital markets revenue guidance by $5 million to a range of $60 million to $70 million for the next four quarters, reflecting confidence in pipeline and LIHTC offtake strategies.
Expense Discipline and Operating Leverage
Noninterest expense declined to $52 million from $63 million in the prior quarter (an $11 million or ~17.5% sequential decrease), driven by lower variable compensation and timing of transformation costs; adjusted core efficiency ratio improved to 57.7%.
Wealth Management Momentum
Wealth Management delivered annualized revenue growth of 14% (company-stated) and Q1 revenue was $5 million; team added 80 new client relationships and $177 million in new assets under management, with revenue up 3% sequentially.
Capital Return to Shareholders
Returned nearly $25 million of capital to shareholders during the quarter via opportunistic repurchases (288,000 shares); since initiating repurchases in August, repurchased 566,000 shares totaling $46 million.
Tangible Book and Long-Term Growth Rates
Tangible book value per share rose $1.33 to over $59 (9% annualized growth this quarter) with a 5-year tangible book value CAGR of 12.5% and a 5-year EPS CAGR of 14%.
Maintained Strong Asset Quality
Nonperforming assets totaled $43 million and NPA to total assets remained at 0.45%; net charge-offs declined to $4.0 million (down $0.3 million sequentially); criticized loans near 5-year low (2.01% vs prior 1.94%).
Balance Sheet Rate Sensitivity Positioned for Cuts
Rate-sensitive liabilities exceed rate-sensitive assets by approximately $900 million, providing estimated NIM accretion of ~1–2 basis points for every 25 basis point Fed cut; Q2 NIM TEY guidance is flat to +3 bps.
QCRH Earnings History
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 |
|---|---|---|---|
Apr 22, 2026 | $88.97 | $88.56 | -0.46% |
Jan 27, 2026 | $88.02 | $89.38 | +1.54% |
Oct 22, 2025 | $71.35 | $73.62 | +3.18% |
Jul 23, 2025 | $75.05 | $74.14 | -1.21% |
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 Jul 29, 2026, After Close (Confirmed).
What is QCR Holdings (QCRH) earnings time?
QCR Holdings (QCRH) earnings time is at Jul 29, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is QCRH EPS forecast?
QCRH EPS forecast for the fiscal quarter 2026 (Q2) is 1.91.