NASDAQ$QCRH

QCR Holdings Inc · Q1 2025 earnings

Q1 2025 earnings · · After market close · Investor relations

Briefing

QCR Holdings reported Q1 2025 revenue of $133.6M, net income of $25.8M, diluted EPS of $1.52.

For Q1 2025, QCR Holdings reported Revenue was $133.6M, net income was $25.8M, diluted EPS was $1.52. Management discusses segment trends, liquidity, and outlook in the quarterly filing.

  • Revenue $133.6M for Q1 2025.
  • Net income $25.8M.
  • Diluted EPS $1.52.

Headline financials

Total Revenue

$76.9M

Previous: $81.6M-5.7%
EPS (adj)

$1.52

Previous: $1.58-3.8%
Net Interest Margin

3.0%

Previous: 2.8%+4.6%
Net Interest Margin (TEY)

3.4%

Previous: 3.2%+5.2%
Efficiency Ratio (Non-GAAP)

60.5%

Previous: 62.1%-2.6%
Return on Avg Assets (Annualized)

1.1%

Previous: 1.3%-8.8%
Return on Avg Equity (Annualized)

10.1%

Previous: 11.8%-14.3%
Loans/Leases to Total Assets

74.5%

Previous: 74.1%+0.6%
Loans/Leases to Total Deposits

93.0%

Previous: 93.6%-0.7%
Effective Tax Rate

1.2%

Previous: 4.2%-71.9%
Nonperforming Assets to Total Assets

0.5%

Previous: 0.4%+47.2%
Allowance to Total Loans/Leases

1.3%

Previous: 1.3%-0.8%
Total Risk-Based Capital Ratio

14.2%

Previous: 14.3%-1.0%
Common Equity Tier 1 Ratio

10.3%

Previous: 9.9%+3.5%
Tangible Common Equity to Tangible Assets

9.7%

Previous: 8.9%+8.5%
Capital Expenditures

-$9.12M

Previous: -$12.1M+24.9%
Net Income

$25.8M

Previous: $26.7M-3.5%
Operating Income

$26.1M

Previous: $15.3M+70.2%

Revenue & EPS history

QCR Holdings · Revenue · Quarterly

$76.9M

Q1 2025-5.7%vs Q1 2024
Beat estimate in 8 of 14 quarters(57%)
ActualEstimate

Revenue by segment

QCR Holdings · $19.4M total across 2 segments · Q3 2023

  • Capital Markets
    $15.6M
  • Wealth Management
    $3.8M

Forward guidance

Regional bank outlook cites net interest margin, credit quality, and deposit costs.

Tailwinds

  • Loan growth and fee income diversification.
  • Capital ratios and dividend capacity.

Headwinds

  • Deposit beta and funding cost pressure.
  • Commercial real estate and credit provisioning.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

+1.0%

Avg return

Earnings day

+1.9%

Avg return

5 days after

+3.4%

Avg return

30 days after

62%

41 / 66 earnings

Positive

+15.2%

Q1 2020

Best reaction

-9.3%

Q1 2010

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.6%+3.9%+2.0%
Q4 2025+1.6%+4.8%-1.8%
Q3 2025+3.3%+5.6%+10.0%
Q2 2025-1.7%-1.1%+0.9%
Q1 2025-2.5%-4.8%-0.5%
Q4 2024-2.0%-2.7%-5.4%
Q3 2024-1.0%+3.2%+17.4%
Q2 2024+4.3%+4.8%+6.2%
Q1 2024+1.4%-2.7%+0.1%
Q4 2023+4.7%+6.7%-2.3%
Q3 2023+2.5%+1.4%+8.8%
Q2 2023+6.2%+5.4%+8.7%
Q1 2023+4.5%+3.7%+2.0%
Q4 2022+0.7%+0.6%+7.6%
Q3 2022-7.7%-10.3%-7.9%
Q2 2022+1.1%+2.9%+2.2%
Q1 2022-5.7%-4.0%-4.0%
Q4 2021-1.8%-5.1%-7.3%
Q3 2021+0.1%+7.7%+4.0%
Q2 2021+2.4%+5.1%+8.7%
Q1 2021-1.3%-0.0%-1.4%
Q4 2020-1.2%+0.3%+3.8%
Q3 2020+3.7%+2.3%+22.6%
Q2 2020+4.1%+2.9%+4.2%
Q1 2020+15.2%+4.5%+8.3%
Q4 2019+3.4%+2.1%+1.2%
Q3 2019+1.6%+5.1%+4.9%
Q2 2019+9.4%+13.8%+6.3%
Q1 2019-3.4%+1.6%-3.7%
Q4 2018+3.9%+1.0%+7.5%
Q3 2018+2.2%+8.1%+6.7%
Q2 2018-6.7%-7.6%-8.5%
Q1 2018+5.3%+6.9%+7.6%
Q4 2017+5.9%+0.8%+3.2%
Q3 2017-2.3%-10.1%-5.0%
Q2 2017-1.9%-2.2%-9.1%
Q1 2017+3.9%+10.0%+1.8%
Q4 2016+2.1%+3.9%+4.1%
Q3 2016+0.9%+2.2%+21.3%
Q2 2016+2.8%+3.6%+8.9%
Q1 2016+0.5%
Q4 2015-1.1%
Q3 2015+5.6%
Q2 2015-0.0%
Q1 2015+2.2%
Q4 2014+1.5%
Q3 2014-1.2%
Q2 2014+0.1%
Q1 2014+1.2%
Q4 2013-0.8%
Q3 2013+0.8%
Q2 2013+0.9%
Q1 2013+3.8%
Q4 2012+4.4%
Q3 2012-0.6%
Q2 2012+4.8%
Q1 2011+3.4%
Q1 2012-2.5%
Q4 2009+0.6%
Q4 2011+0.6%
Q4 2010+0.6%
Q3 2011+0.0%
Q3 2010+0.0%
Q2 2010-4.6%
Q2 2011-4.6%
Q1 2010-9.3%

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