QCR (US:QCRH) ZACKS·2026-01-28 00:31Core Insights - QCR Holdings reported a revenue of $107.02 million for the quarter ended December 2025, marking a year-over-year increase of 16.5% and exceeding the Zacks Consensus Estimate of $95.95 million by 11.54% [1] - The company's EPS for the same period was $2.21, up from $1.93 a year ago, also surpassing the consensus EPS estimate of $1.96 by 12.9% [1] Financial Performance Metrics - Efficiency Ratio (Non-GAAP) was reported at 58.7%, higher than the estimated 53.2% by three analysts [4] - Net interest margin (GAAP) stood at 3.1%, below the average estimate of 3.6% from three analysts [4] - Average Balance of Total earning assets was $8.87 billion, slightly above the $8.75 billion average estimate from two analysts [4] - Net charge-offs as a percentage of average loans/leases were 0.1%, better than the estimated 0.3% by two analysts [4] - Total noninterest income reached $38.67 million, significantly higher than the estimated $27.7 million by three analysts [4] - Gains on sales of residential real estate loans were $0.67 million, compared to the average estimate of $0.51 million [4] - Capital markets revenue was reported at $24.48 million, exceeding the average estimate of $15.25 million from two analysts [4] - Deposit service fees were $2.09 million, slightly below the estimated $2.28 million by two analysts [4] - Net Interest Income was $68.35 million, marginally above the estimated $68.14 million from two analysts [4] - Net interest income - tax equivalent (non-GAAP) was $79.63 million, compared to the average estimate of $78.5 million from two analysts [4] Stock Performance - Shares of QCR Holdings have returned +3.5% over the past month, outperforming the Zacks S&P 500 composite's +0.4% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]