Qcr (QCRH) Q2 2025 Earnings Call Transcript
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1 day ago
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Should l Buy QCRH?
Source: NASDAQ.COM
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Analyst Views on QCRH
Wall Street analysts forecast QCRH stock price to rise
4 Analyst Rating
3 Buy
1 Hold
0 Sell
Strong Buy
Current: 88.970
Low
83.00
Averages
90.00
High
97.00
Current: 88.970
Low
83.00
Averages
90.00
High
97.00
About QCRH
QCR Holdings, Inc. is a multi-bank holding company. The Company serves the Quad Cities, Cedar Rapids, Cedar Valley, Des Moines/Ankeny, and Springfield communities through its subsidiary banks. It provides full-service commercial and consumer banking and trust and asset management services through Quad City Bank & Trust, Cedar Rapids Bank & Trust, Community State Bank and Guaranty Bank. Additionally, it serves the Waterloo/Cedar Falls, Iowa community through Community Bank & Trust, a division of Cedar Rapids Bank & Trust Company. Its business consists of attracting deposits and investing those deposits in loans/leases and securities. It is also engaged in direct financing lease contracts and equipment financing agreements through m2, a subsidiary of QCBT based in Waukesha, Wisconsin. It also engages in wealth management services. It provides a range of commercial and retail lending/leasing and investment services to corporations, partnerships, individuals, and government agencies.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
QCR Holdings Reports Record Q1 2026 Earnings Driven by Loan Growth
- Record Profitability: QCR Holdings achieved a net income of $33 million, or $1.99 per diluted share, in Q1 2026, marking the most profitable first quarter in the company's history, driven by healthy loan and deposit growth alongside significantly reduced noninterest expenses.
- Loan Growth Outlook: Management reaffirmed a gross annualized loan growth target of 10% to 15% for the last three quarters of 2026, while guiding for second quarter net interest margin to remain stable or increase by 3 basis points, indicating confidence in future performance.
- Capital Markets Revenue Increase: The capital markets revenue guidance was raised by $5 million to a target range of $60 million to $70 million, reflecting the company's ability to seize market opportunities, while planning to complete $523 million in LIHTC loan securitizations in Q2 to enhance capital flexibility.
- Excellent Asset Quality: Nonperforming assets totaled $43 million with net charge-offs of $4 million in Q1, demonstrating effective loan quality management, and despite market volatility impacting assets under management, the addition of new client relationships lays a solid foundation for future growth.
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Qcr (QCRH) Q1 2026 Earnings Call Transcript
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Qcr (QCRH) Q2 2025 Earnings Call Transcript
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Elizabeth Park Capital Advisors Increases Stake in Origin Bancorp
- Share Acquisition: On February 17, 2026, Elizabeth Park Capital Advisors disclosed the purchase of 70,151 shares of Origin Bancorp (NYSE:OBK), representing an estimated $2.51 million trade, indicating confidence in the company's future growth prospects.
- Value Increase: As of December 31, 2025, the value of Origin Bancorp's holdings rose by $2.81 million from the previous quarter, reflecting ongoing growth in lending and deposit activities, which further solidifies its market position.
- Portfolio Diversification: This acquisition positions Origin Bancorp at 3.9% of Elizabeth Park's 13F reportable AUM, alongside other regional banks like QCR Holdings and Citizens Financial, highlighting a strategic preference for smaller lenders with strong regional footprints.
- Market Performance Analysis: Although Origin Bancorp's shares have increased by 17% over the past year, slightly trailing the S&P 500's 20% gain, its stable net income and growth in commercial lending indicate a solid momentum in its core markets.
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QCR Holdings Reports Fourth Quarter Earnings Growth
- Earnings Growth: QCR Holdings reported fourth-quarter earnings of $35.66 million, translating to $2.12 per share, which marks a significant increase from last year's $30.23 million and $1.77 per share, indicating improved profitability.
- Adjusted Earnings: Excluding certain items, the company reported adjusted earnings of $37.30 million or $2.21 per share, showcasing strong performance in its core operations.
- Revenue Increase: The company's revenue rose by 4.8% year-over-year to $127.49 million from $121.64 million last year, reflecting ongoing improvement in market demand.
- Market Positioning: The growth in earnings and revenue not only boosts investor confidence but also strengthens QCR Holdings' position in the competitive financial services market.
See More
QCR Holdings Reports Strong Q4 Earnings Beat
- Earnings Beat: QCR Holdings reported a non-GAAP EPS of $2.21 for Q4, exceeding expectations by $0.22, which underscores the company's robust profitability and boosts investor confidence.
- Significant Revenue Growth: The company achieved revenue of $107.02 million in Q4, marking a 16.5% year-over-year increase, surpassing expectations by $0.15 million, reflecting strong business expansion and market demand, thereby solidifying its market position.
- Strong Financial Health: With both revenue and EPS growth, QCR Holdings demonstrates a solid upward trend in financial performance, likely attracting more investor interest in its future growth potential.
- Positive Market Reaction: The strong earnings report has led to a positive market response, which is expected to drive the stock price higher, enhancing the company's competitiveness in the financial services sector.
See More
QCR Holdings Reports Record Q1 2026 Earnings Driven by Loan Growth
- Record Profitability: QCR Holdings achieved a net income of $33 million, or $1.99 per diluted share, in Q1 2026, marking the most profitable first quarter in the company's history, driven by healthy loan and deposit growth alongside significantly reduced noninterest expenses.
- Loan Growth Outlook: Management reaffirmed a gross annualized loan growth target of 10% to 15% for the last three quarters of 2026, while guiding for second quarter net interest margin to remain stable or increase by 3 basis points, indicating confidence in future performance.
- Capital Markets Revenue Increase: The capital markets revenue guidance was raised by $5 million to a target range of $60 million to $70 million, reflecting the company's ability to seize market opportunities, while planning to complete $523 million in LIHTC loan securitizations in Q2 to enhance capital flexibility.
- Excellent Asset Quality: Nonperforming assets totaled $43 million with net charge-offs of $4 million in Q1, demonstrating effective loan quality management, and despite market volatility impacting assets under management, the addition of new client relationships lays a solid foundation for future growth.
See More
Qcr (QCRH) Q1 2026 Earnings Call Transcript
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Qcr (QCRH) Q2 2025 Earnings Call Transcript
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Elizabeth Park Capital Advisors Increases Stake in Origin Bancorp
- Share Acquisition: On February 17, 2026, Elizabeth Park Capital Advisors disclosed the purchase of 70,151 shares of Origin Bancorp (NYSE:OBK), representing an estimated $2.51 million trade, indicating confidence in the company's future growth prospects.
- Value Increase: As of December 31, 2025, the value of Origin Bancorp's holdings rose by $2.81 million from the previous quarter, reflecting ongoing growth in lending and deposit activities, which further solidifies its market position.
- Portfolio Diversification: This acquisition positions Origin Bancorp at 3.9% of Elizabeth Park's 13F reportable AUM, alongside other regional banks like QCR Holdings and Citizens Financial, highlighting a strategic preference for smaller lenders with strong regional footprints.
- Market Performance Analysis: Although Origin Bancorp's shares have increased by 17% over the past year, slightly trailing the S&P 500's 20% gain, its stable net income and growth in commercial lending indicate a solid momentum in its core markets.
See More
QCR Holdings Reports Fourth Quarter Earnings Growth
- Earnings Growth: QCR Holdings reported fourth-quarter earnings of $35.66 million, translating to $2.12 per share, which marks a significant increase from last year's $30.23 million and $1.77 per share, indicating improved profitability.
- Adjusted Earnings: Excluding certain items, the company reported adjusted earnings of $37.30 million or $2.21 per share, showcasing strong performance in its core operations.
- Revenue Increase: The company's revenue rose by 4.8% year-over-year to $127.49 million from $121.64 million last year, reflecting ongoing improvement in market demand.
- Market Positioning: The growth in earnings and revenue not only boosts investor confidence but also strengthens QCR Holdings' position in the competitive financial services market.
See More
QCR Holdings Reports Strong Q4 Earnings Beat
- Earnings Beat: QCR Holdings reported a non-GAAP EPS of $2.21 for Q4, exceeding expectations by $0.22, which underscores the company's robust profitability and boosts investor confidence.
- Significant Revenue Growth: The company achieved revenue of $107.02 million in Q4, marking a 16.5% year-over-year increase, surpassing expectations by $0.15 million, reflecting strong business expansion and market demand, thereby solidifying its market position.
- Strong Financial Health: With both revenue and EPS growth, QCR Holdings demonstrates a solid upward trend in financial performance, likely attracting more investor interest in its future growth potential.
- Positive Market Reaction: The strong earnings report has led to a positive market response, which is expected to drive the stock price higher, enhancing the company's competitiveness in the financial services sector.
See More
