QCR HOLDINGS INC (NASDAQ:QCRH), the Moline, Illinois-based multi-bank holding company, reported its fourth quarter and full-year 2025 financial results after the market close on Tuesday, January 27, 2026. The report presented a mixed picture, with earnings per share surpassing analyst expectations while revenue growth remained modest. The initial market reaction in after-hours trading was slightly negative.
Earnings and Revenue Versus Estimates
The core of the quarterly report shows a clear divergence between top-line performance and bottom-line profitability.
- Revenue: The company reported Q4 2025 revenue of $107.0 million. This represented a 2.8% year-over-year increase and was essentially in line with the Wall Street consensus estimate of approximately $107.0 million.
- Earnings Per Share (EPS): On a non-GAAP basis, which excludes certain one-time items, QCR Holdings reported diluted EPS of $2.21. This figure significantly outperformed analyst expectations, beating the consensus estimate of $2.03 by approximately 11.3%.
This performance indicates that while the company's revenue growth was steady but unspectacular, it managed its expenses and credit quality effectively to deliver stronger-than-anticipated profitability.
Market Reaction and Price Action
The immediate market response to the earnings release was muted and slightly negative. In after-hours trading following the announcement, QCRH shares declined by approximately 0.15%. This reaction suggests that investors may have been anticipating a more robust beat on both revenue and earnings, or are weighing the strong EPS performance against the tepid revenue growth. The stock's performance over recent weeks shows modest gains, up about 3.1% over the past month, indicating some positive sentiment heading into the report that may have already been priced in.
Key Highlights from the Press Release
The company's official announcement emphasized record full-year performance and provided detailed quarterly figures.
- Fourth Quarter 2025: QCR Holdings reported net income of $35.7 million, or $2.12 per diluted share (GAAP). The more closely watched adjusted net income was a record $37.3 million, or $2.21 per diluted share.
- Full Year 2025: The company achieved record net income for the full year 2025, underscoring a period of sustained profitability despite a challenging interest rate environment for regional banks.
- Sequential Comparison: Quarterly net income saw a slight decrease from $36.7 million in the third quarter of 2025, which management did not explicitly address in the provided release summary.
Forward-Looking Estimates
While the press release highlighted past performance, it did not provide formal financial guidance for the coming year. However, analyst estimates for QCR Holdings are already in place, offering a benchmark for future performance.
- Q1 2026: Analysts are forecasting revenue of approximately $74.5 million and EPS of $1.93 for the first quarter of the new year.
- Full Year 2026: For the entire fiscal year 2026, the current consensus estimates project revenue of about $307.5 million and EPS of $8.08.
Investors will likely monitor the company's ability to meet or exceed these estimates, particularly looking for signs of accelerating loan growth or improved net interest margins to drive stronger revenue figures alongside its demonstrated earnings power.
For a detailed breakdown of historical earnings, future estimates, and analyst ratings, you can review the QCR Holdings earnings and estimates page here.
Disclaimer: This article is for informational purposes only and does not constitute financial advice, a recommendation, or an offer to buy or sell any securities. Investors should conduct their own research and consult with a qualified financial advisor before making any investment decisions.
