QCR Holdings, Inc. (QCRH) SEC Filings & Earnings Calls
EquiReason read 18 QCR Holdings, Inc. SEC filings in the last 12 months. Latest: 8-K on 2026-10-20 — Record diluted EPS of $2.21, net income $36.4M, NIM expanded 3 bps to 3.58%, loan growth 11% annualized ex-m2, capital markets revenue $16.9M, asset quality improved to 0.39% NPAs..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 1.7B
- P/E TTM
- 12.2
- Dividend yield
- 0.3%
- 52-week
- —
- Next earnings
- 25 Jan, in 93 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
20 Oct 20268-K · 2.02Record diluted EPS of $2.21, net income $36.4M, NIM expanded 3 bps to 3.58%, loan growth 11% annualized ex-m2, capital markets revenue $16.9M, asset quality improved to 0.39% NPAs. Reaffirmed gross loan growth guidance 10-15% annualized forearningsopen
Figures in the filing · each found in the filing text
| Net Income · Q3-2026 | $36M | -1% y/y |
| Diluted EPS · Q3-2026 | $2.21 | +2% y/y |
| Net Interest Margin (TEY) · Q3-2026 | 3.6% | |
| Return on Average Assets (ROAA) · Q3-2026 | 1.5% | |
| Total Loans · Q3-2026 | $7.20B | |
| Capital Markets Revenue · Q3-2026 | $17M | |
| Wealth Management Revenue · Q3-2026 | $6M | +12% y/y |
| Nonperforming Assets / Total Assets · Q3-2026 | 0.4% | |
| Share Repurchases · Q3-2026 | $10M |
Guidance
Gross loan growth 10-15% annualized for Q4 2026; capital markets revenue $60-70M over next four quarters including $18-20M in Q4; NIM TEY relatively static in Q4 assuming no further Fed rate changes
Reaffirmed gross loan growth guidance 10-15% annualized for Q4 2026; capital markets revenue guidance $60-70M over next four quarters; NIM expected relatively static in Q4
Risks flagged
Deposit competition and funding mix changes may offset NIM benefit from rate increases
“continued competition for deposits and changes in our funding mix are expected to largely offset that benefit” · word for word
Planned m2 portfolio runoff reduces loan growth reported
“excluding the planned m2 portfolio runoff” · word for word
24 Aug 20268-K · 8.01QCR Holdings declared a regular quarterly cash dividend of $0.15 per share, a routine dividend declaration.open
Figures in the filing · each found in the filing text
| dividend per share · Q3-2026 | $0.15 |
7 Aug 202610-QQCR Holdings reported Q2 2026 results with stable net income but higher provisions and credit costs.earningsopen
Figures in the filing · each found in the filing text
| Net income · Q2-2026 | $192M | -21% y/y |
| Total assets · 2026-06-30 | $11.02B | |
| Total loans and leases · 2026-06-30 | $7.03B | |
| Allowance for credit losses · 2026-06-30 | $87M | |
| Nonperforming loans · 2026-06-30 | $39M | |
| Provision for credit losses · Q2-2026 | $5M | -0% y/y |
Risks flagged
Credit quality deterioration
“Nonperforming loans increased to $39.1 million at June 30, 2026 from $42.3 million at December 31, 2025, but charge-offs were $8.0 million in H1 2026 vs $11.4 million in H1 2025.”
Interest rate risk
“Unrealized losses on HTM securities increased to $145.0 million at June 30, 2026 from $117.1 million at December 31, 2025, reflecting higher interest rates.”
22 Jul 20268-K · 2.02Net Income $36M (+25% y/y); Diluted EPS $2.19 (+28% y/y); Return on Average Assets 1.51; Guidance: Gross loan growth 10-15% annualized for H2 2026; capital markets revenue $60-70M over next four quartersearningsopen
Figures in the filing · each found in the filing text
| Net Income · Q2-2026 | $36M | +25% y/y |
| Diluted EPS · Q2-2026 | $2.19 | +28% y/y |
| Return on Average Assets · Q2-2026 | 1.5% | |
| Efficiency Ratio · Q2-2026 | 54.6% | |
| Capital Markets Revenue · Q2-2026 | $17M | +69% y/y |
| Net Interest Income · Q2-2026 | $68M | |
| Net Interest Margin · Q2-2026 | 3.1% |
Guidance
Gross loan growth 10-15% annualized for H2 2026; capital markets revenue $60-70M over next four quarters
Reaffirming gross loan growth guidance of 10% to 15% annualized and capital markets revenue guidance of $60M to $70M over next four quarters
Risks flagged
LIHTC securitization complexity and loss; Freddie Mac program changes
“$1.3 million loss from Freddie Mac LIHTC securitization; pursuing alternative structures”
8 May 202610-QTotal Loans/Leases Receivable $7.29B; Allowance for Credit Losses $85M; Provision for Credit Losses $3Mopen
Figures in the filing · each found in the filing text
| Total Loans/Leases Receivable · Total · Q1-2026 | $7.29B | |
| Allowance for Credit Losses · Total · Q1-2026 | $85M | |
| Provision for Credit Losses · Total · Q1-2026 | $3M | |
| Nonperforming Loans · Total · Q1-2026 | $42M | |
| Investment Securities (HTM) · Total · Q1-2026 | $952M | |
| Investment Securities (AFS) · Total · Q1-2026 | $340M | |
| Trading Securities · Total · Q1-2026 | $83M |
Risks flagged
Litigation and Regulatory Risk
“CSB was named as a defendant in a proposed class action lawsuit with respect to overdraft fees.” · word for word
Interest Rate Risk - Unrealized Losses on Securities
“As of March 31, 2026, the investment portfolio included 669 securities. Of this number, 539 securities were in an unrealized loss position. The aggregate losses of these securities totaled approximately 13.9% of the total amortized cost of the portfolio.” · word for word
22 Apr 20268-K · 2.02Net Income $33M (+30% y/y); Diluted EPS $1.99 (+31% y/y); Net Interest Income $67M (+12% y/y); Guidance: Capital markets revenue guidance raised by $5M at lower end to $60-70M over next four quarters; loan growth guidance reaffirmed at 10-1earningsopen
Figures in the filing · each found in the filing text
| Net Income · Q1-2026 | $33M | +30% y/y |
| Diluted EPS · Q1-2026 | $1.99 | +31% y/y |
| Net Interest Income · Q1-2026 | $67M | +12% y/y |
| Return on Average Assets (ROAA) · Q1-2026 | 1.4% | |
| Net Interest Margin (NIM) · Q1-2026 | 3.2% | |
| NIM on a Tax-Equivalent Yield (TEY) · Q1-2026 | 3.6% | |
| Core Deposit Growth · Q1-2026 | $409M | |
| Total Loans Growth (ex-m2) · Q1-2026 | $145M | |
| Capital Markets Revenue · Q1-2026 | $11M | |
| Wealth Management Revenue · Q1-2026 | $5M | +3% y/y |
Guidance
Capital markets revenue guidance raised by $5M at lower end to $60-70M over next four quarters; loan growth guidance reaffirmed at 10-15% annualized for final three quarters of 2026; NIM TEY guidance
Positive guidance with raised capital markets revenue outlook, reaffirmed loan growth, and modest margin expansion expected.
9 Apr 2026DEF 14AAnnual proxy statement filed for 2026 annual meeting, disclosing executive compensation, governance, and shareholder proposals.open
Figures in the filing · each found in the filing text
| Net income · FY2025 | $127M | +12% y/y |
| Diluted earnings per share · FY2025 | $7.49 | +12% y/y |
| Adjusted net income (non-GAAP) · FY2025 | $130M | |
| Adjusted diluted earnings per share (non-GAAP) · FY2025 | $7.64 | |
| Loan and lease growth · FY2025 | 12.0% | |
| Deposit growth · FY2025 | 7.0% | |
| Capital markets revenue · FY2025 | $65M | |
| Tangible book value per share expansion · FY2025 | $7.65 | |
| Total Shareholder Return · FY2025 | $215.00 | +4% y/y |
| Peer Group Total Shareholder Return · FY2025 | $196.00 | +32% y/y |
Risks flagged
m2 loan/lease portfolio run-off
“In September 2024, QCR Holdings announced the decision to discontinue offering new loans and leases through m2.” · word for word
Regulatory compliance cost
“As a publicly traded bank holding company and financial institution, QCR Holdings must comply with multiple layers of regulations when considering and implementing compensation decisions.” · word for word
Credit risk from loan portfolio
“The subsidiary banks' Loan Committees have primary responsibility for credit risk.” · word for word
19 Feb 20268-K · 8.01Dividend per share $0.10open
Figures in the filing · each found in the filing text
| dividend per share · Q1-2026 | $0.10 |
27 Jan 20268-K · 2.02Net income $36M; Diluted EPS $2.12; Net interest margin (TEY) 3.57; Guidance: Capital markets revenue guidance raised to $55-70M over next four quarters; NIM TEY guidance of 3-7 bps expansion in Q1; loan growth guidance of 8-10% in Q1, acceearningsopen
Figures in the filing · each found in the filing text
| Net income · Q4-2025 | $36M | |
| Diluted EPS · Q4-2025 | $2.12 | |
| Net interest margin (TEY) · Q4-2025 | 3.6% | |
| Net interest income · Q4-2025 | $68M | |
| Capital markets revenue · capital markets · Q4-2025 | $25M | |
| Loan growth (annualized, ex-items) · Q4-2025 | 17.0% | |
| Adjusted net income · Q4-2025 | $37M | |
| Adjusted diluted EPS · Q4-2025 | $2.21 | |
| Full year net income · FY2025 | $127M | |
| Full year diluted EPS · FY2025 | $7.49 |
Guidance
Capital markets revenue guidance raised to $55-70M over next four quarters; NIM TEY guidance of 3-7 bps expansion in Q1; loan growth guidance of 8-10% in Q1, accelerating to 10-15% over final three qu
Raised capital markets revenue guidance; provided positive NIM and loan growth guidance; strong pipeline supports continued growth.
Risks flagged
Credit quality remains manageable; nonperforming loans to total loans at 0.92%.
“Nonperforming loans to total loans increased to 0.92% at December 31, 2025 compared to 0.90% at September 30, 2025.”
21 Nov 20258-K · 8.01Dividend per share $0.06open
Figures in the filing · each found in the filing text
| Dividend per share · Q4-2025 | $0.06 |
Risks flagged
No material risk; dividend is small and routine.
7 Nov 202510-QQ3 2025 loan growth offset by higher provisions and continued CRE credit stress.earningsopen
Figures in the filing · each found in the filing text
| Total loans/leases · Q3-2025 | $7.18B | |
| Allowance for credit losses on loans/leases · Q3-2025 | $89M | |
| Nonperforming loans/leases · Q3-2025 | $42M | |
| Provision for credit losses · 9M-2025 | $14M | +15% y/y |
Risks flagged
Credit risk from CRE and construction loans
“Nonaccrual loans in construction and land development were $4.1M at Sep 2025, down from $8.5M at Dec 2024, but still material.”
Unrealized losses on securities portfolio
“Gross unrealized losses on HTM securities $119.7M and AFS securities $49.3M at Sep 2025.”
QCR Holdings, Inc. — questions
- What did QCR Holdings, Inc. file recently?
- 18 SEC filings in the last 12 months. Latest: 8-K on 2026-10-20 — Record diluted EPS of $2.21, net income $36.4M, NIM expanded 3 bps to 3.58%, loan growth 11% annualized ex-m2, capital markets revenue $16.9M, asset quality improved to 0.39% NPAs. Reaffirmed gross loan growth guidance 10-15% annualized for
Every figure on this page comes from QCR Holdings, Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.