Core Viewpoint - QCR Holdings, Inc. announced a cash dividend increase to $0.10 per share, reflecting strong financial performance and confidence in long-term outlook [1][2]. Financial Performance - The new dividend of $0.10 per share is an increase from the previous quarterly dividend of $0.06 per share, indicating a positive trend in the company's financial health [2]. - As of December 31, 2025, the company reported $9.6 billion in assets, $7.2 billion in loans, and $7.4 billion in deposits, showcasing its robust financial position [3]. Capital Management Strategy - The company emphasizes returning capital to shareholders as a key component of its value-creation strategy, demonstrating commitment to long-term shareholder value [3]. - The increase in dividends is seen as a testament to the durability of the company's business model [2][3]. Company Overview - QCR Holdings, Inc. is a multi-bank holding company based in Moline, Illinois, serving various communities through its subsidiary banks [3]. - The company operates 36 locations across Iowa, Missouri, and Illinois, providing full-service commercial and consumer banking, as well as trust and wealth management services [3].

Core Viewpoint - QCR Holdings (QCRH) has been upgraded to a Zacks Rank 2 (Buy), indicating a positive outlook based on rising earnings estimates, which significantly influence stock prices [1][3]. Earnings Estimates and Stock Price Impact - The Zacks rating system emphasizes the importance of earnings estimate revisions, which are strongly correlated with near-term stock price movements [4][6]. - Institutional investors often adjust their valuations based on changes in earnings estimates, leading to buying or selling actions that affect stock prices [4]. Company Performance Indicators - QCR Holdings is projected to earn $8.01 per share for the fiscal year ending December 2026, with no year-over-year change expected [8]. - Over the past three months, the Zacks Consensus Estimate for QCR Holdings has increased by 1.3%, reflecting a positive trend in earnings estimates [8]. Zacks Rank System - The Zacks Rank system classifies stocks into five groups based on earnings estimates, with only the top 20% receiving a "Strong Buy" or "Buy" rating, indicating superior earnings estimate revisions [9][10]. - QCR Holdings' upgrade to Zacks Rank 2 places it in the top 20% of Zacks-covered stocks, suggesting potential for market-beating returns in the near term [10].

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Core Insights - QCR reported its strongest quarter of 2025 in Q4, achieving record full-year results driven by net interest margin expansion, loan and deposit growth, and capital markets revenue linked to its low-income housing tax credit (LIHTC) platform [5][7] Financial Performance - Net interest income increased by $4 million in Q4, representing a 22% annualized increase, and rose by $23 million for the year, up 10% [2] - Adjusted net income reached a record $37 million in Q4, or $2.21 per diluted share, and $130 million for the full year, or $7.64 per diluted share [4][7] - Non-interest income totaled $39 million in Q4, primarily driven by $25 million in capital markets revenue, with total capital markets revenue for 2025 reaching $65 million, exceeding initial guidance [9] Margin and Loan Growth - Net interest margin expanded by 6 basis points sequentially, with management guiding for an additional 3 to 7 basis points of core margin expansion in Q1 2026 [2][8] - Total loans grew by $304 million in Q4, up 17% annualized, with traditional loan portfolio growth of $92 million in the quarter, up 8% annualized [15] Deposit and Funding - Total core deposits increased by $64 million in Q4, up 4% annualized, while average deposit balances rose by $237 million, up 13% annualized [16] - The company noted a 34% reduction in higher-cost broker deposits, improving the deposit mix with higher non-interest-bearing balances [16] Capital Markets and LIHTC - Capital markets revenue in Q4 was $25 million, with guidance raised to $55 million to $70 million for the next four quarters [6][10] - QCR sold $285 million of LIHTC construction loans, targeting a $300 million to $350 million Freddie Mac securitization in H1 2026 [11][12] Wealth Management - Wealth management revenue was $5 million in Q4, up 4% sequentially, with a full-year increase of $2 million, or 11% [14] Credit Quality - Total criticized loans declined by $5 million in Q4 and $20 million for the full year, reaching the lowest level since June 2022, with criticized loans at 1.94% of total loans [19] Shareholder Returns - QCR repurchased about 163,000 shares in Q4 for $13 million, returning nearly $22 million to shareholders through repurchases for the full year [20]

Financial Data and Key Metrics Changes - The company reported record adjusted net income of $37 million, or $2.21 per diluted share for Q4 2025, and $130 million, or $7.64 per diluted share for the full year 2025, driven by significant growth in net interest income and capital markets revenue [17][29] - Net interest income increased by $4 million, or 22% annualized in Q4, and $23 million, or 10% for the year, supported by margin expansion [17][18] - The net interest margin (NIM) increased by 6 basis points from Q3, nearing the upper end of guidance, with a 14% increase in average earning assets [18][19] Business Line Data and Key Metrics Changes - The wealth management business added nearly 500 new client relationships, bringing in over $1 billion in new assets under management, with a five-year compound annual growth rate of 10% for both assets and revenue [8][9] - The LIHTC lending platform performed exceptionally well, with the company adding 18 new developer partners and benefiting from strong demand for affordable housing [9][10] Market Data and Key Metrics Changes - The company experienced strong organic growth and enhanced profitability in traditional banking operations, with total loans growing by $304 million, or 17% annualized in Q4 [24][25] - Total criticized loans decreased by $5 million in Q4 and $20 million for the full year, reflecting a 12% reduction, indicating improved asset quality [26][27] Company Strategy and Development Direction - The company aims to continue advancing its digital transformation, expand its wealth management business, and grow its LIHTC lending platform, supported by a positive NIM outlook and solid loan and deposit pipelines [16][19] - The multi-charter model allows the company to outperform competitors and gain market share, with a focus on improving balance sheet efficiency and enhancing service capabilities through technology investments [7][13] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in sustaining momentum into 2026, with expectations for continued growth in net interest income and capital markets revenue [5][16] - The company anticipates additional core margin expansion in Q1 2026, supported by repricing opportunities and a favorable deposit mix [20][21] Other Important Information - The company executed share repurchases totaling approximately $13 million in Q4, returning nearly $22 million to shareholders for the full year [27][28] - The effective tax rate for Q4 was 8%, down from 10% in the prior quarter, reflecting a favorable mix of tax-exempt income [29] Q&A Session Summary Question: Guidance on capital markets revenues - Management indicated that Q1 is historically the slowest quarter for capital markets revenue, setting expectations accordingly [34][36] Question: Update on securitization plans - The company expects to securitize approximately $300 million-$350 million in loans before June 30, 2026, despite some delays in the process [37] Question: Earning assets starting point for Q1 - Earning assets heading into Q1 will be consistent with the end of Q4, with robust loan growth anticipated throughout the year [43][45] Question: Deposit gathering expectations - The company is focused on improving core deposit growth and enhancing the mix, with strategies in place to attract new retail checking accounts and private banking clients [54][55] Question: LIHTC business growth opportunities - Management expressed optimism about the LIHTC business, emphasizing the importance of maintaining a balanced growth approach across all business segments [66][70]

Financial Data and Key Metrics Changes - The company reported record adjusted net income of $37 million, or $2.21 per diluted share for Q4 2025, and $130 million, or $7.64 per diluted share for the full year [17] - Net interest income increased by $4 million, or 22% annualized in Q4, and $23 million, or 10% for the year, driven by margin expansion [17][18] - The net interest margin (NIM) increased by 6 basis points from the previous quarter, supported by a 14% increase in average earning assets [18] Business Line Data and Key Metrics Changes - The wealth management business added nearly 500 new client relationships, bringing in over $1 billion in new assets under management, with a 5-year compound annual growth rate of 10% for both assets and revenue [8] - The LIHTC lending platform performed exceptionally well, with significant demand for affordable housing and the addition of 18 new developer partners [9][10] Market Data and Key Metrics Changes - Total loans grew by $304 million, or 17% annualized in Q4, with traditional loan portfolio growth of $92 million, or 8% annualized [24] - Core deposits increased by $64 million, or 4% annualized in Q4, with average deposit balances rising by $237 million, or 13% annualized compared to Q3 [25] Company Strategy and Development Direction - The company aims to advance its digital transformation, expand its wealth management business, and continue growing its LIHTC lending platform [16] - The multi-charter model allows the company to outperform competitors and gain market share, with a focus on enhancing service capabilities and client experience through technology upgrades [7] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining strong financial performance, supported by a positive NIM outlook and solid loan and deposit pipelines [16] - The company anticipates continued growth in net interest income and capital markets revenue, with guidance for capital markets revenue set at $55 million-$70 million over the next four quarters [10][21] Other Important Information - The company executed share repurchases totaling approximately $13 million in Q4, returning nearly $22 million to shareholders for the full year [27] - The effective tax rate for Q4 was 8%, down from 10% in the prior quarter, reflecting a favorable mix of tax-exempt income [29] Q&A Session Summary Question: Guidance on capital markets revenues and seasonality - Management noted that Q1 is historically the slowest quarter for capital markets revenue, with expectations set accordingly [34][36] Question: Update on securitization plans - The company expects to securitize approximately $300 million-$350 million in loans before June 30, 2026 [37] Question: Guidance for earning assets in Q1 - Earning assets are expected to be consistent with the end of Q4, with robust loan growth anticipated throughout the year [44][45] Question: Deposit gathering expectations - The company is focused on improving core deposit growth and enhancing the deposit mix, with strategies in place to attract new retail checking accounts and private banking clients [55][56] Question: Impact of recent M&A activity on market share - Management is actively targeting clients from a competitor's recent acquisition, expecting to gain market share in the Cedar Rapids area [60]

Financial Data and Key Metrics Changes - The company reported record adjusted net income of $37 million, or $2.21 per diluted share for Q4 2025, and record full-year adjusted net income of $130 million, or $7.64 per diluted share [15] - Net interest income increased by $4 million, or 22% annualized in Q4, and $23 million, or 10% for the year, driven by margin expansion [15] - The net interest margin (NIM) increased by 6 basis points from the previous quarter, supported by a 14% increase in average earning assets [16] Business Line Data and Key Metrics Changes - The wealth management business added nearly 500 new client relationships, bringing in over $1 billion in new assets under management, with a five-year compound annual growth rate of 10% for both assets and revenue [7] - The LIHTC lending business performed exceptionally well, with significant demand for affordable housing and the addition of 18 new developer partners [8][9] - Total loans grew by $304 million, or 17% annualized in Q4, with traditional loan portfolio growth of $92 million, or 8% annualized [23] Market Data and Key Metrics Changes - The company experienced strong deposit growth, with total core deposits increasing by $64 million, or 4% annualized in Q4 [24] - Average deposit balances rose by $237 million, or 13% annualized compared to the previous quarter [24] - The company maintained excellent asset quality, with total criticized loans declining to their lowest level since June 2022 [25] Company Strategy and Development Direction - The company aims to advance its digital transformation, expand its wealth management business, and continue growing its LIHTC lending platform [14] - The multi-charter model allows the company to outperform competitors and gain market share [6] - The company is focused on maintaining a disciplined expense management strategy while investing in technology and talent to enhance scalability [22] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in sustaining momentum into 2026, supported by strong loan and deposit pipelines and a stable credit outlook [14] - The company expects additional core margin expansion in Q1 2026, with guidance of 3-7 basis points [18] - Management highlighted the importance of improving the right side of the balance sheet and enhancing operating leverage to support future growth [93] Other Important Information - The company executed share repurchases totaling approximately $13 million in Q4, returning nearly $22 million to shareholders for the full year [26] - The effective tax rate for Q4 was 8%, down from 10% in the prior quarter, reflecting a lower pretax income and an increase in tax-exempt income [29] - The company is strategically planning to execute additional LIHTC construction loan sales and securitizations to enhance capital markets revenue [11] Q&A Session All Questions and Answers Question: Guidance on capital markets revenues - Management indicated that Q1 is historically the slowest quarter for capital markets revenue, with expectations set accordingly [34] Question: Update on securitization plans - Management confirmed plans for a securitization of approximately $300 million-$350 million in the first half of 2026 [37] Question: Guidance on earning assets for Q1 - Management stated that earning assets heading into Q1 would be consistent with the end of Q4, with robust loan growth expected [43] Question: Deposit gathering expectations - Management emphasized the focus on improving core deposit growth and the mix, with strategies in place to enhance non-interest-bearing deposits [56] Question: Long-term growth opportunities in LIHTC business - Management expressed optimism about the future of the LIHTC business, highlighting the importance of maintaining a conservative approach to guidance while preparing for growth [69]

Investor Presentation December 2025 FORWARD-LOOKING STATEMENTS Special Note Concerning Forward-Looking Statements. This document contains, and future oral and written statements of the Company and its management may contain, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 with respect to the financial condition, results of operations, plans, objectives, future performance and business of the Company. Forward-looking statements, which may be based upon be ...

Core Insights - QCR Holdings reported a revenue of $107.02 million for the quarter ended December 2025, marking a year-over-year increase of 16.5% and exceeding the Zacks Consensus Estimate of $95.95 million by 11.54% [1] - The company's EPS for the same period was $2.21, up from $1.93 a year ago, also surpassing the consensus EPS estimate of $1.96 by 12.9% [1] Financial Performance Metrics - Efficiency Ratio (Non-GAAP) was reported at 58.7%, higher than the estimated 53.2% by three analysts [4] - Net interest margin (GAAP) stood at 3.1%, below the average estimate of 3.6% from three analysts [4] - Average Balance of Total earning assets was $8.87 billion, slightly above the $8.75 billion average estimate from two analysts [4] - Net charge-offs as a percentage of average loans/leases were 0.1%, better than the estimated 0.3% by two analysts [4] - Total noninterest income reached $38.67 million, significantly higher than the estimated $27.7 million by three analysts [4] - Gains on sales of residential real estate loans were $0.67 million, compared to the average estimate of $0.51 million [4] - Capital markets revenue was reported at $24.48 million, exceeding the average estimate of $15.25 million from two analysts [4] - Deposit service fees were $2.09 million, slightly below the estimated $2.28 million by two analysts [4] - Net Interest Income was $68.35 million, marginally above the estimated $68.14 million from two analysts [4] - Net interest income - tax equivalent (non-GAAP) was $79.63 million, compared to the average estimate of $78.5 million from two analysts [4] Stock Performance - Shares of QCR Holdings have returned +3.5% over the past month, outperforming the Zacks S&P 500 composite's +0.4% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]

分组1 - QCR Holdings reported quarterly earnings of $2.21 per share, exceeding the Zacks Consensus Estimate of $1.96 per share, and showing an increase from $1.93 per share a year ago, resulting in an earnings surprise of +12.90% [1] - The company achieved revenues of $107.02 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 11.54%, compared to $91.83 million in the same quarter last year [2] - QCR Holdings has outperformed the S&P 500 with a share price increase of about 4.6% since the beginning of the year, while the S&P 500 gained 1.5% [3] 分组2 - The current consensus EPS estimate for the upcoming quarter is $1.88 on revenues of $94.9 million, and for the current fiscal year, it is $7.91 on revenues of $395.55 million [7] - The Zacks Industry Rank for Banks - Midwest is in the top 38% of over 250 Zacks industries, indicating that the industry outlook can significantly impact stock performance [8] - QCR Holdings has a Zacks Rank of 3 (Hold), suggesting that the stock is expected to perform in line with the market in the near future [6]