Core Viewpoint - QCR Holdings (QCRH) is expected to report a decline in quarterly earnings and revenues compared to the previous year, indicating potential challenges in financial performance [1]. Earnings Estimates - Wall Street analysts predict QCRH will post quarterly earnings of $1.73 per share, a decrease of 12.2% year-over-year [1]. - The consensus EPS estimate has been adjusted downward by 0.6% over the past 30 days, reflecting a reassessment of projections by analysts [2]. Revenue Projections - Revenues for QCRH are forecasted to be $89.7 million, representing a year-over-year decrease of 13.3% [1]. - Analysts expect 'Total noninterest income' to reach $28.73 million, down from $47.73 million reported in the same quarter last year [5]. Key Financial Metrics - The estimated 'Efficiency Ratio (Non-GAAP)' is projected at 51.8%, improving from 58.9% a year ago [4]. - 'Average Balance - Total earning assets' is expected to be $8.27 billion, up from $7.63 billion in the same quarter last year [5]. - 'Net Interest Income' is forecasted at $61.14 million, compared to $55.74 million a year ago [6]. - 'Net interest income - tax equivalent (non-GAAP)' is estimated to reach $71.34 million, up from $63.69 million in the previous year [6]. Stock Performance - QCR Holdings shares have shown a return of -1.1% over the past month, compared to a -0.4% change in the Zacks S&P 500 composite [7]. - The company holds a Zacks Rank 3 (Hold), suggesting it is expected to perform in line with the overall market in the near future [7].

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Core Viewpoint - QCR Holdings (QCRH) is anticipated to report a year-over-year decline in earnings due to lower revenues, with the consensus outlook indicating a potential impact on its near-term stock price [1][2]. Earnings Expectations - The earnings report is scheduled for January 22, 2025, with expected quarterly earnings of $1.73 per share, reflecting a year-over-year decrease of 12.2% [3][12]. - Revenues are projected to be $89.7 million, down 13.3% from the same quarter last year [3]. Estimate Revisions - The consensus EPS estimate has been revised 0.62% lower in the last 30 days, indicating a reassessment by analysts [4]. - A positive Earnings ESP of +6.51% suggests that analysts have recently become more optimistic about QCR Holdings' earnings prospects [10][11]. Earnings Surprise Prediction - The Zacks Earnings ESP model indicates that a positive reading is a strong predictor of an earnings beat, especially when combined with a Zacks Rank of 1, 2, or 3 [8]. - QCR Holdings has a Zacks Rank of 3, which, along with the positive Earnings ESP, suggests a likelihood of beating the consensus EPS estimate [11]. Historical Performance - In the last reported quarter, QCR Holdings exceeded the expected earnings of $1.49 per share by delivering $1.78, resulting in a surprise of +19.46% [12]. - The company has beaten consensus EPS estimates in all of the last four quarters [13]. Industry Comparison - Wintrust Financial (WTFC), a peer in the Zacks Banks - Midwest industry, is expected to report earnings of $2.52 per share, marking a year-over-year increase of 34.8% [17]. - Wintrust's revenues are projected to be $640.87 million, up 12.3% from the previous year, but it has an Earnings ESP of -0.66%, making it challenging to predict an earnings beat [18].

Looking for a stock that has been consistently beating earnings estimates and might be well positioned to keep the streak alive in its next quarterly report? QCR Holdings (QCRH) , which belongs to the Zacks Banks - Midwest industry, could be a great candidate to consider.When looking at the last two reports, this bank holding company has recorded a strong streak of surpassing earnings estimates. The company has topped estimates by 21.96%, on average, in the last two quarters.For the last reported quarter, Q ...

MOLINE, Ill., Jan. 02, 2025 (GLOBE NEWSWIRE) -- QCR Holdings, Inc. (NASDAQ: QCRH) (“QCRH” or the “Company”) announced today that its fourth quarter and fiscal year ended December 31, 2024 financial results will be released after the market closes on Wednesday, January 22, 2025. The Company will host a conference call and webcast the next day, Thursday, January 23, 2025, at 10:00 a.m. Central Time to discuss the results. Shareholders, analysts, and other interested parties are invited to join. Teleconference ...

A downtrend has been apparent in QCR Holdings (QCRH) lately with too much selling pressure. The stock has declined 12.8% over the past four weeks. However, given the fact that it is now in oversold territory and Wall Street analysts are majorly in agreement about the company's ability to report better earnings than they predicted earlier, the stock could be due for a turnaround.Guide to Identifying Oversold StocksWe use Relative Strength Index (RSI), one of the most commonly used technical indicators, for s ...

QCR Holdings (QCRH) has been on a downward spiral lately with significant selling pressure. After declining 11.9% over the past four weeks, the stock looks well positioned for a trend reversal as it is now in oversold territory and there is strong agreement among Wall Street analysts that the company will report better earnings than they predicted earlier.Here is How to Spot Oversold StocksWe use Relative Strength Index (RSI), one of the most commonly used technical indicators, for spotting whether a stock ...

MOLINE, Ill., Nov. 22, 2024 (GLOBE NEWSWIRE) -- QCR Holdings, Inc. (NASDAQ: QCRH) (the “Company”) today announced that on November 20, 2024, the Company’s Board of Directors declared a cash dividend of $0.06 per share payable on January 3, 2025, to holders of common stock of the Company of record on December 13, 2024. About UsQCR Holdings, Inc., headquartered in Moline, Illinois, is a relationship-driven, multi-bank holding company serving the Quad Cities, Cedar Rapids, Cedar Valley, Des Moines/Ankeny and S ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______to________ Commission file number 0-22208 QCR HOLDINGS, INC. (Exact name of Registrant as specified in its charter) Delaware 42-1397595 (State o ...

Financial Data and Key Metrics Changes - The company reported net income of $28 million, or $1.64 per diluted share, with adjusted net income of $30 million, or $1.78 per diluted share, resulting in an adjusted ROAA of 1.35% and an adjusted ROAE of 12.60% [4][12] - Net interest income increased by nearly $3.6 million, or 6%, driven by strong growth in loan and investment balances and margin expansion [5][12] - The tangible book value per share grew by $2.35, representing a 20% annualized growth for the quarter [22] Business Line Data and Key Metrics Changes - Total non-interest income for the third quarter was $27 million, primarily driven by capital markets revenue of $16 million and a 17% annualized increase in wealth management revenue [6][12] - The wealth management business added nearly $1 billion in assets under management year-to-date, reflecting an 18% increase [6][14] - Non-interest expenses increased to $54 million, including a one-time charge of $2.4 million for restructuring and goodwill impairment [16] Market Data and Key Metrics Changes - Total loans grew by $285 million, or 6% annualized, funded by core deposit growth of $400 million [18] - Total deposits increased by $220 million, or 13% annualized, with year-to-date core deposits up by $400 million, or 9% [19] - The allowance for credit losses as a percentage of total loans held for investment decreased to 1.30% from 1.33% [21] Company Strategy and Development Direction - The company plans to focus on its core banking franchise by discontinuing new loans and leases through its Equipment Finance business, aiming to improve profitability and liquidity [7][10] - The LIHTC lending program is a key strategic initiative, generating significant capital markets revenue and enhancing liquidity through securitization [9][10] - The company aims to maintain a loan-to-deposit ratio in the 90% to 95% range while continuing to drive core deposit growth [50] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the economic stability of their markets and noted no significant indicators of financial stress [8] - The company anticipates continued growth in net interest income for the fourth quarter, with guidance for adjusted NIM TEY to increase by 2 to 7 basis points [13][24] - Management highlighted a strong pipeline in capital markets and wealth management, with expectations for consistent performance [36] Other Important Information - The company recorded a loss on derivatives of $414,000 and a loss of $473,000 on securitization in the third quarter, which was better than anticipated [15] - The effective tax rate for the quarter was 7%, with expectations to remain in the range of 8% to 10% in the fourth quarter [22] Q&A Session Summary Question: Margin guidance for the fourth quarter - Management confirmed that the guidance for margin expansion is 2 to 7 basis points, excluding any additional Fed cuts [24][32] Question: Deposit repricing and performance - Management noted $2.2 billion of immediately repriced core deposits and $685 million of high beta deposits that have seen reductions since the Fed's action [25][26] Question: Outlook for expenses - Management expects to keep non-interest expenses within the $49 million to $52 million range, benefiting from reduced expenses related to the Equipment Finance decision [27][28] Question: Loan demand and competitive landscape - Management indicated that loan demand is improving modestly, particularly in the LIHTC business, while traditional commercial pipelines are also showing improvement [46] Question: Capital management and TCE - Management plans to manage TCE carefully, considering potential sub debt retirement and share buybacks in the future [38][52]