Education
About Us
Working with TipRanks
Follow Us
QCR Holdings (QCRH)
NASDAQ:QCRH
Earnings Data
Report Date
Apr 28, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.8Last Year’s EPS
1.53Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized record financial performance (record quarterly and annual earnings), meaningful NIM expansion, robust loan and deposit growth, outperformance in capital markets and strong LIHTC and wealth management momentum. Near-term headwinds include seasonality in capital markets revenue, planned investments that raise noninterest expense in 2026, and a gradual path to restoring noninterest-bearing deposit levels. Overall, the positive operational and financial momentum, strong asset quality, capital position and clear growth initiatives materially outweigh the identified challenges.Company Guidance
Record Earnings
Q4 adjusted net income of $37.0M ($2.21 diluted EPS) and record full year adjusted net income of $130.0M ($7.64 diluted EPS).
Strong Net Interest Income and Margin Expansion
Net interest income rose $4M (22% annualized) in Q4 and $23M (10%) for the year. NIM increased 6 basis points linked-quarter and has expanded 32 basis points over the past 7 quarters; management guiding +3 to +7 bps core margin in Q1.
Significant Earning Asset Growth
Average earning assets increased ~14%, supporting margin expansion and NII growth.
Capital Markets Outperformance
Capital markets revenue of $25M in Q4 and $65M for full year 2025, surpassing prior guidance of $50M-$60M; updated guidance of $55M-$70M for the next four quarters.
Wealth Management Momentum
Added nearly 500 new client relationships and over $1.0B in new AUM in 2025; 5-year CAGR of 10% for both AUM and revenue. Wealth revenue of $5M in Q4 (+4% linked-quarter) and +11% year-over-year.
LIHTC Platform Growth and Balance Sheet Efficiency
Sold $285M of LIHTC construction loans at par in Q4 to free regulatory capital and retire high-cost FHLB term advances; added 18 new developer partners; targeting $300M-$350M perm securitization before June 30 to scale the platform.
Deposit and Funding Improvements
Core deposits up $64M (4% annualized) in Q4 and +$474M (7%) for the full year; average deposits rose $237M (13% annualized vs Q3). Reduced higher-cost broker deposits by 34%.
Very Strong Asset Quality and Capital
Total criticized loans down $5M in Q4 and $20M (12%) for the year; criticized loans at 1.94% of loans (-7 bps). NPAs stable at 0.45%. Tangible common equity to tangible assets 10.24%; CET1 10.52%; total risk-based capital 14.19%.
Shareholder Returns and Tangible Book Value Growth
Repurchased ~163k shares ($13M) in Q4 and ~279k shares (~$22M) for the year; TBV per share increased $2.08 to ~$58 in Q4 (15% annualized); 5-year TBV CAGR 13% and 10-year TSR >250% vs peers.
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 |
|---|---|---|---|
Jan 27, 2026 | $88.13 | $89.49 | +1.54% |
Oct 22, 2025 | $71.44 | $73.71 | +3.18% |
Jul 23, 2025 | $75.14 | $74.23 | -1.21% |
Apr 22, 2025 | $67.86 | $66.16 | -2.50% |
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 Apr 28, 2026, After Close (Confirmed).
What is QCR Holdings (QCRH) earnings time?
QCR Holdings (QCRH) earnings time is at Apr 28, 2026, 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 2026 (Q1) is 1.8.