QCR (US:QCRH) ZACKSยท2025-10-23 00:01Core Insights - QCR Holdings reported $101.45 million in revenue for Q3 2025, a year-over-year increase of 16.8% and a surprise of +11.79% over the Zacks Consensus Estimate of $90.75 million [1] - The EPS for the same period was $2.17, compared to $1.78 a year ago, with an EPS surprise of +25.43% against the consensus estimate of $1.73 [1] Financial Performance Metrics - Efficiency Ratio (Non-GAAP) was 55.8%, slightly above the three-analyst average estimate of 55.4% [4] - Net interest margin (GAAP) was reported at 3%, below the three-analyst average estimate of 3.5% [4] - Average Balance of Total earning assets was $8.58 billion, slightly above the $8.55 billion average estimate based on two analysts [4] - Net charge-offs as a percentage of average loans/leases were 0.1%, better than the 0.3% estimated by two analysts [4] - Total noninterest income reached $36.65 million, significantly higher than the $26.32 million average estimate based on three analysts [4] - Gains on sales of residential real estate loans were $0.53 million, slightly below the $0.63 million estimated by three analysts [4] - Capital markets revenue was $23.83 million, exceeding the two-analyst average estimate of $14 million [4] - Deposit service fees totaled $2.23 million, in line with the $2.2 million average estimate based on two analysts [4] - Net Interest Income was $64.8 million, surpassing the $64.27 million estimated by two analysts [4] - Net interest income - tax equivalent (non-GAAP) was $75.66 million, compared to the $74.64 million average estimate based on two analysts [4] Stock Performance - Shares of QCR Holdings have returned -8.5% over the past month, contrasting with the Zacks S&P 500 composite's +1.1% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]