QCR Holdings (QCRH) reported $107.02 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 16.5%. EPS of $2.21 for the same period compares to $1.93 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $95.95 million, representing a surprise of +11.54%. The company delivered an EPS surprise of +12.9%, with the consensus EPS estimate being $1.96.
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.
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): 58.7% versus 53.2% estimated by three analysts on average.
- Net interest margin (GAAP): 3.1% versus the three-analyst average estimate of 3.6%.
- Average Balance - Total earning assets: $8.87 billion compared to the $8.75 billion average estimate based on two analysts.
- Net charge-offs as a % of average loans/leases: 0.1% versus the two-analyst average estimate of 0.3%.
- Total noninterest income: $38.67 million versus $27.7 million estimated by three analysts on average.
- Gains on sales of residential real estate loans: $0.67 million compared to the $0.51 million average estimate based on three analysts.
- Capital markets revenue: $24.48 million compared to the $15.25 million average estimate based on two analysts.
- Deposit service fees: $2.09 million versus the two-analyst average estimate of $2.28 million.
- Net Interest Income: $68.35 million versus $68.14 million estimated by two analysts on average.
- Net interest income - tax equivalent (non-GAAP): $79.63 million compared to the $78.5 million average estimate based on two analysts.
View all Key Company Metrics for QCR Holdings here>>>
Shares of QCR Holdings have returned +3.5% over the past month versus the Zacks S&P 500 composite's +0.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with 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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