QCRH
QCR Holdings, Inc.87.01
+0.41+0.47%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
1.47BP/E (TTM)
12.17Basic EPS (TTM)
7.15Dividend Yield
0%Recent Filings
8-K
10-Q
Q3 FY2025 results
QCR Holdings posted record Q3 net income of $36.7M, up 32% y/y and 27% q/q, with diluted EPS at $2.16 versus $1.64 y/y and $1.71 q/q, driven by net interest income climbing 9% y/y to $64.8M on 15% annualized loan growth to $7.2B and NIM expansion to 3.51% (derived). Noninterest income surged 35% y/y to $36.7M, fueled by capital markets revenue doubling to $23.8M from swap fees, though YTD it dipped 11% due to earlier market uncertainty. Provision for credit losses rose 24% y/y to $4.3M amid loan expansion, while noninterest expense edged up 6% y/y to $56.6M on variable pay and digital investments. Liquidity stays solid with $7.4B deposits funding operations, $77.6M cash, and $290.4M FHLB advances; August's $134.2M municipal securities repurchase at 4% fixed bolsters funding. In September, $70M new subordinated notes replaced $70M redeemed, maintaining $234M total debt. Competition in regional banking pressures margins.
8-K
Record Q3 earnings, buyback approved
QCR Holdings posted record Q3 net income of $36.7 million, up 26% from Q2, fueled by 18% annualized net interest income growth to $64.8 million and a 141% surge in capital markets revenue to $23.8 million from LIHTC lending rebound. Loans expanded 15% annualized to $7.2 billion, while core deposits rose 6% annualized; the board approved repurchasing up to 1.7 million shares, or 10% of outstanding stock, with no expiration. Yet margins expanded. Strong asset quality persists at 0.45% NPAs.
8-K
QCR issues $70M subordinated notes
QCR Holdings issued $70 million in subordinated notes on September 15, 2025, comprising $50 million of 6.875% fixed-to-floating notes due 2035 and $20 million of 7.225% fixed-to-floating notes due 2037, sold privately to a qualified institutional buyer at face value. Proceeds will fund the redemption of $70 million in existing 5.125% and 5.25% notes due 2030, bolstering Tier 2 capital for regulatory compliance and growth. Rates step down to SOFR plus 350-375 basis points after fixed periods, with optional redemption post-2030/2032. Subordination to senior debt heightens risk in distress.
8-K
QCR declares $0.06 dividend
QCR Holdings declared a $0.06 per share cash dividend on August 20, 2025, payable October 3 to shareholders of record September 18. This quarterly payout underscores steady capital return amid $9.2 billion in assets and $6.8 billion in loans as of June 30. Dividend signals confidence. No risks or forward guidance disclosed.
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