For the quarter ended June 2025, QCR Holdings (QCRH) reported revenue of $84.2 million, down 3.3% over the same period last year. EPS came in at $1.73, compared to $1.73 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $84.65 million, representing a surprise of -0.54%. The company delivered an EPS surprise of +6.13%, with the consensus EPS estimate being $1.63.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how QCR Holdings performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio (Non-GAAP): 58.9% compared to the 55.9% average estimate based on three analysts.
- Net interest margin (GAAP): 3% compared to the 3.5% average estimate based on three analysts.
- Average Balance - Total earning assets: $8.38 billion versus the two-analyst average estimate of $8.38 billion.
- Net charge-offs as a % of average loans/leases: 0.1% versus 0.2% estimated by two analysts on average.
- Total noninterest income: $22.12 million compared to the $23.17 million average estimate based on three analysts.
- Gains on sales of residential real estate loans: $0.56 million compared to the $0.39 million average estimate based on three analysts.
- Capital markets revenue: $9.87 million versus the two-analyst average estimate of $12.8 million.
- Deposit service fees: $2.19 million compared to the $2.2 million average estimate based on two analysts.
- Net Interest Income: $62.08 million versus the two-analyst average estimate of $61.9 million.
- Net interest income - tax equivalent (non-GAAP): $72.17 million compared to the $71.73 million average estimate based on two analysts.
View all Key Company Metrics for QCR Holdings here>>>
Shares of QCR Holdings have returned +12.1% over the past month versus the Zacks S&P 500 composite's +5.9% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
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QCR Holdings, Inc. (QCRH): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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