QCR (US:QCRH) ZACKS·2025-04-22 23:05Core Insights - QCR Holdings reported a revenue of $76.88 million for the quarter ended March 2025, reflecting a decrease of 5.7% year-over-year and falling short of the Zacks Consensus Estimate of $86.85 million by 11.48% [1] - The company's EPS for the quarter was $1.53, slightly down from $1.59 in the same quarter last year, but above the consensus estimate of $1.52, resulting in a surprise of +0.66% [1] Financial Performance Metrics - The Efficiency Ratio (Non-GAAP) was reported at 60.5%, higher than the three-analyst average estimate of 57.5% [4] - The Net Interest Margin (GAAP) stood at 3%, below the average estimate of 3.2% based on three analysts [4] - Total earning assets averaged $8.24 billion, slightly below the two-analyst average estimate of $8.31 billion [4] - Net charge-offs as a percentage of average loans/leases were 0.1%, better than the average estimate of 0.2% [4] - Total noninterest income was $16.89 million, significantly lower than the $26 million average estimate [4] - Net Interest Income was reported at $59.99 million, compared to the average estimate of $60.84 million [4] - Capital markets revenue was $6.52 million, falling short of the $14.13 million estimated by two analysts [4] - Deposit service fees were $2.18 million, slightly below the average estimate of $2.22 million [4] - Gains on sales of residential real estate loans were $0.30 million, compared to the $0.65 million estimated [4] - Net interest income - tax equivalent (non-GAAP) was $69.50 million, below the two-analyst average estimate of $70.91 million [4] Stock Performance - Over the past month, shares of QCR Holdings have returned -10.8%, compared to a -8.9% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]