QCR (US:QCRH) ZACKS·2025-01-23 02:00Core Insights - QCR Holdings reported revenue of $91.83 million for the quarter ended December 2024, reflecting a year-over-year decline of 11.3% and an EPS of $1.93 compared to $1.97 a year ago [1] - The reported revenue exceeded the Zacks Consensus Estimate of $89.7 million, resulting in a surprise of +2.37%, while the EPS surprise was +11.56% against a consensus estimate of $1.73 [1] Financial Performance Metrics - Efficiency Ratio (Non-GAAP) was 58.3%, higher than the average estimate of 51.8% based on three analysts [4] - Net interest margin (GAAP) stood at 3%, below the average estimate of 3.4% from three analysts [4] - Average Balance of Total earning assets was $8.24 billion, slightly below the estimated $8.27 billion by two analysts [4] - Net charge-offs as a percentage of average loans/leases were 0.1%, significantly better than the estimated 0.4% by two analysts [4] - Total noninterest income reached $30.63 million, exceeding the average estimate of $28.73 million from three analysts [4] - Net Interest Income was $61.20 million, slightly above the average estimate of $61.14 million from two analysts [4] - Capital markets revenue was reported at $20.55 million, surpassing the average estimate of $15.50 million from two analysts [4] - Deposit service fees were $2.23 million, slightly below the average estimate of $2.26 million from two analysts [4] - Gains on sales of residential real estate loans were $0.73 million, exceeding the average estimate of $0.45 million from two analysts [4] - Net interest income - tax equivalent (non-GAAP) was $70.90 million, slightly below the average estimate of $71.34 million from two analysts [4] Stock Performance - Shares of QCR Holdings have returned -0.4% over the past month, contrasting with the Zacks S&P 500 composite's +2.1% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]