QCRH Earnings Prediction
The chart below shows how QCRH performed 10 days before and after its earnings report, based on data from the past quarters. Typically, QCRH sees a -2.24% change in stock price 10 days leading up to the earnings, and a +1.75% change 10 days following the report. On the earnings day itself, the stock moves by -0.52%. This data can give you a slight idea of what to expect for the next quarter's release.
QCRH Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
87.82M
-10.44%
6.66%
Gross Margin
--
--
--
Operating Margin
37.81%
-0.79%
-3.25%
Net Margin
34.42%
2.72%
1.99%
EPS
1.78
-8.72%
8.54%
No Data Available
QCRH Earnings Analysis
QCR Holdings Inc Corporation (QCRH.O) Earnings Conference Call
Positive
Strong Annual Net Income: Record net income of $114 million or $6.71 per diluted share for the full year 2024, with adjusted net income of $119 million or $7.03 per diluted share, resulting in an adjusted ROAA of 1.35% and an adjusted ROAE of 12.61%.
Core Deposits Growth: Total core deposits grew by $474 million or 8% for the year, outpacing net loan growth and increasing immediate liquidity.
Net Interest Income Growth: Net interest income increased by $11 million, representing 5% growth for the year, driven by strong increases in loans and investments, as well as higher yields on those assets.
Wealth Management Growth: Wealth management assets under management increased by $1 billion or 20% from the previous year, contributing to a 15% increase in total wealth management revenue for the year.
Tangible Book Value Growth: Tangible book value per share grew by $1.21, representing 10% annualized growth for the quarter, with a compound annual growth rate of over 12% in the past five years.
Negative
Loan Balance Improvement: Total criticized loan balances improved $37,000,000 or 19% for the year, while non performing assets increased $11,000,000 or 33%.
Credit Loss Provision Increase: The provision for credit losses was $17,000,000 for the year, modest increase of $600,000 from the prior year.
Non-Interest Expense Stability: Non interest expense for the 4th quarter totaled $53,500,000 which was static from the previous quarter, indicating no improvement despite strong quarterly results.
Credit Loss Provision Increase: We recorded a total provision for credit losses of $5,000,000 during the quarter, representing an increase of $2,000,000 from the prior quarter.
Derivatives Loss Impact: We had a $3,000,000 loss on derivatives due to the increase in long term interest rates from the prior quarter.
QCRH FAQs
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QCRH Earning Call Sentiment
Earnings call transcript: QCR Holdings beats Q4 2024 EPS forecast
QCRH.O
-0.63%Positive
The earnings call presents a mixed outlook. Financial performance is strong with increased net income and improved asset quality, but concerns about non-performing assets and market competition persist. The Q&A highlights uncertainties around interest rate impacts and loan growth. Despite positive guidance on capital markets revenue and non-interest expenses, the lack of active share buybacks and cautious capital management suggest a neutral market reaction. The company's strategic focus and modest dividend policy further support a neutral sentiment.
