QCR Holdings, Inc. (QCRH) Earnings
QCR Holdings, Inc. is expected to report next earnings on July 22, 2026 (in NaN days), with a consensus EPS estimate of $1.90. QCRH has beaten EPS estimates in 11 of its last 12 reported quarters (average surprise +14.0% over the last four).
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 23, 2026 | $1.78 | $1.99 | +11.8% | $90M | -13.1% |
| Jan 27, 2026 | $1.96 | $2.21 | +12.8% | $107M | +4.9% |
| Oct 22, 2025 | $1.73 | $2.17 | +25.4% | $99M | -5.2% |
| Jul 23, 2025 | $1.63 | $1.73 | +6.1% | $82M | -17.4% |
| Apr 22, 2025 | $1.52 | $1.53 | +0.7% | $75M | -23.2% |
| Jan 22, 2025 | $1.74 | $1.93 | +10.9% | $89M | -11.0% |
| Oct 23, 2024 | $1.52 | $1.78 | +17.1% | $84M | +37.0% |
| Jul 24, 2024 | $1.41 | $1.73 | +22.7% | $85M | +30.0% |
| Jan 23, 2024 | $1.35 | $1.97 | +45.9% | $101M | +73.1% |
| Oct 25, 2023 | $1.36 | $1.51 | +11.0% | $79M | +21.2% |
| Jul 26, 2023 | $1.34 | $1.69 | +26.1% | $83M | +43.0% |
| Jan 24, 2023 | $1.74 | $1.83 | +5.2% | $84M | -4.4% |
Source: company filings + earnings calendar. For informational purposes only — not investment advice.
Earnings call summary
Q1 FY2026 · April 23, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
- Delivers most profitable first quarter ever driven by healthy loan and deposit growth, significantly lower non-interest expense, and modest margin expansion. - Maintains excellent asset quality, generates meaningful growth in tangible book value per share, and returns capital to shareholders. - Continues digital transformation with successful completion of second of four core system conversions. - Traditional banking business has strong organic growth via multi-charter model gaining market share. - Wealth management business has strong results with 14% annualized revenue growth. - LIHTC lending business performs well with 13 projects closed during the quarter including three with new developers
Guidance
- Reaffirms guidance for gross annualized loan growth of 10 to 15% over final three quarters of 2026. - Increases lower end of capital markets revenue guidance by $5 million, targeting $60 million to $70 million for next four quarters. - Guides second quarter NIM TEY to range from static to increase of three basis points assuming no further Fed funds rate changes. - Guides non-interest expenses for second quarter to be in range of $55 to $58 million
Segment performance
Traditional banking business shows solid organic growth backed by healthy commercial and industrial activity. Wealth management business has annualized revenue growth of 14%, added 80 new client relationships and $177 million in new assets under management. LIHTC lending business performs well with strong demand for affordable housing, closing 13 projects during the quarter including three with new developers. Net income for the quarter is $33 million or $1.99 per diluted share. Net interest income is $67 million. Non-interest income totals $23 million with $11 million from capital markets revenue and $5 million from wealth management. Non-interest expense for the first quarter is $52 million versus $63 million in the fourth quarter