QCR (US:QCRH) ZACKS·2025-01-15 16:06Core 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].