The earnings call presented a generally positive outlook, with significant improvements in EPS, net interest margin, and capital markets revenue. Loan growth and wealth management expansion were strong. However, there were some challenges with below run rate LIHTC revenue, increased net charge-offs, and a slight decline in deposits.

Company Guidance

During the QCR Holdings, Inc. Second Quarter 2025 Financial Results Conference Call, significant guidance was provided for the company's financial outlook. The company reported a 13% improvement in EPS from the first quarter, driven by net interest income, margin expansion, and 8% annualized loan growth. They anticipate gross loan growth of 8% to 10% in the second half of 2025. Capital markets revenue, primarily from their LIHTC business, is expected to normalize, with guidance for $50 million to $60 million over the next four quarters. For Q3 2025, capital markets revenue is projected to be $13 million to $16 million. Noninterest expenses are forecasted between $52 million and $55 million for Q3, influenced by digital transformation costs. Asset quality remains strong, with a 1.28% allowance for credit losses. The company also plans a substantial loan securitization in early 2026, targeting $350 million.

EPS Improvement

Second quarter earnings per share improved by 13% over the first quarter, driven by net interest income increases and strong loan growth.

Net Interest Margin Expansion

Net interest margin (NIM) on a tax-equivalent yield basis increased by 4 basis points from the first quarter, driven by strong growth in both loans and investments.

Capital Markets Revenue Growth

Capital markets revenue improved significantly from the first quarter, up more than 50% linked-quarter, with a strong LIHTC pipeline.

Loan Growth

Loan growth rebounded, reaching an annualized rate of 8% when adjusting for planned runoff of equipment finance loans, driven by strong new loan production.

Wealth Management Expansion

Wealth management business grew AUM and revenue by a compound annual growth rate of 10%, with notable new client acquisitions.

Asset Quality and Capital Ratios

Asset quality remains excellent with a decrease in nonperforming assets and an improvement in total risk-based capital ratio.

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)	1.75 / -	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 1.75.

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