QCR (US:QCRH) ZACKSยท2025-07-23 23:01Core Insights - QCR Holdings reported a revenue of $84.2 million for the quarter ended June 2025, reflecting a 3.3% decrease year-over-year, with EPS remaining unchanged at $1.73 compared to the same quarter last year [1] - The reported revenue fell short of the Zacks Consensus Estimate of $84.65 million, resulting in a surprise of -0.54%, while the EPS exceeded expectations by 6.13% against a consensus estimate of $1.63 [1] Financial Performance Metrics - Efficiency Ratio (Non-GAAP) was reported at 58.9%, higher than the average estimate of 55.9% from three analysts [4] - Net interest margin (GAAP) stood at 3%, below the average estimate of 3.5% from three analysts [4] - Total earning assets averaged $8.38 billion, matching the two-analyst average estimate [4] - Net charge-offs as a percentage of average loans/leases were 0.1%, better than the estimated 0.2% by two analysts [4] - Total noninterest income was $22.12 million, lower than the average estimate of $23.17 million from three analysts [4] - Gains on sales of residential real estate loans reached $0.56 million, exceeding the average estimate of $0.39 million from three analysts [4] - Capital markets revenue was reported at $9.87 million, below the average estimate of $12.8 million from two analysts [4] - Deposit service fees totaled $2.19 million, slightly below the average estimate of $2.2 million from two analysts [4] - Net Interest Income was $62.08 million, slightly above the average estimate of $61.9 million from two analysts [4] - Net interest income - tax equivalent (non-GAAP) was reported at $72.17 million, exceeding the average estimate of $71.73 million from two analysts [4] Stock Performance - QCR Holdings shares have returned +12.1% over the past month, outperforming the Zacks S&P 500 composite's +5.9% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]