QCR Holdings (QCRH) reported $101.45 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 16.8%. EPS of $2.17 for the same period compares to $1.78 a year ago.
The reported revenue represents a surprise of +11.79% over the Zacks Consensus Estimate of $90.75 million. With the consensus EPS estimate being $1.73, the EPS surprise was +25.43%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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): 55.8% versus the three-analyst average estimate of 55.4%.
- Net interest margin (GAAP): 3% versus the three-analyst average estimate of 3.5%.
- Average Balance - Total earning assets: $8.58 billion compared to the $8.55 billion average estimate based on two analysts.
- Net charge-offs as a % of average loans/leases: 0.1% versus 0.3% estimated by two analysts on average.
- Total noninterest income: $36.65 million compared to the $26.32 million average estimate based on three analysts.
- Gains on sales of residential real estate loans: $0.53 million versus $0.63 million estimated by three analysts on average.
- Capital markets revenue: $23.83 million versus the two-analyst average estimate of $14 million.
- Deposit service fees: $2.23 million compared to the $2.2 million average estimate based on two analysts.
- Net Interest Income: $64.8 million versus $64.27 million estimated by two analysts on average.
- Net interest income - tax equivalent (non-GAAP): $75.66 million compared to the $74.64 million average estimate based on two analysts.
View all Key Company Metrics for QCR Holdings here>>>
Shares of QCR Holdings have returned -8.5% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform 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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