QCR (NASDAQ:QCRH) Reaches New 12-Month High After Strong Earnings

QCR Holdings, Inc. (NASDAQ:QCRH)’s share price hit a new 52-week high on Wednesday following a stronger than expected earnings report. The company traded as high as $92.00 and last traded at $89.38, with a volume of 28833 shares. The stock had previously closed at $88.13.

The bank reported $2.21 EPS for the quarter, beating analysts’ consensus estimates of $1.96 by $0.25. QCR had a return on equity of 12.30% and a net margin of 21.07%.The business had revenue of $107.02 million during the quarter, compared to the consensus estimate of $106.87 million.

QCR Announces Dividend

The company also recently declared a quarterly dividend, which was paid on Wednesday, January 7th. Investors of record on Tuesday, December 23rd were given a $0.06 dividend. This represents a $0.24 dividend on an annualized basis and a dividend yield of 0.3%. The ex-dividend date was Tuesday, December 23rd. QCR’s dividend payout ratio (DPR) is currently 3.35%.

More QCR News

Here are the key news stories impacting QCR this week:

• Positive Sentiment: Reported and adjusted earnings beat — QCR posted adjusted EPS of $2.21 (GAAP diluted EPS $2.12) versus consensus ~$1.96, and full‑year adjusted EPS was a record. Beats and record annual results support the rally. Earnings Release
• Positive Sentiment: Margin and NII momentum — net interest income grew (Q4 NII $68.4M) and tax‑equivalent NIM expanded ~6 bps to 3.57%; management expects further NIM TEY expansion (guidance +3–7 bps for Q1). Margin guidance and NII growth are bullish for bank earnings power. NIM / NII Detail
• Positive Sentiment: Loan growth and LIHTC execution — strong loan origination (annualized ~17% in Q4 ex‑sales/runoff) and the $285.3M LIHTC construction loan sale at par reduced high‑cost FHLB borrowings, improving funding mix and future NIM. That transaction also supports additional capital markets revenue. LIHTC Sale
• Positive Sentiment: Capital markets & wealth strength — Q4 capital markets revenue was strong ($24.5M) and management raised the upper end of near‑term capital markets guidance to $55–$70M over the next four quarters. This helps diversify fee income. Capital Markets
• Neutral Sentiment: Revenue roughly in line — total revenue was essentially in line with consensus (~$107M), so upside was driven more by margins, loan growth and one‑time adjustments than by a revenue surprise. Revenue In Line
• Neutral Sentiment: Investor materials / transcript available — company posted an updated investor presentation and call transcript, useful for modeling guidance details. Investor Presentation Earnings Call Transcript
• Negative Sentiment: Higher noninterest expenses and one‑offs — Q4 noninterest expense rose (to ~$62.9M) due to a ~$2M loss on debt extinguishment, higher variable compensation and digital transformation costs; adjusted efficiency ratio ticked up. Management expects Q1 noninterest expense ~$55–$58M. These items temper near‑term operating leverage. Expense Detail
• Negative Sentiment: Minor QoQ EPS decline (GAAP) — GAAP diluted EPS slipped from $2.16 in Q3 to $2.12 in Q4 (adjusted EPS rose), so investors should watch whether expense items normalize and if guidance is sustained. MarketBeat Summary

Wall Street Analyst Weigh In

A number of research analysts recently issued reports on the stock. DA Davidson restated a “neutral” rating and set a $83.00 price objective on shares of QCR in a report on Thursday, October 9th. Piper Sandler boosted their price target on shares of QCR from $92.50 to $97.00 and gave the company an “overweight” rating in a report on Monday, October 27th. Raymond James Financial reaffirmed an “outperform” rating and set a $88.00 price objective (up previously from $85.00) on shares of QCR in a research note on Monday, October 27th. Zacks Research cut QCR from a “strong-buy” rating to a “hold” rating in a research note on Monday, December 29th. Finally, Weiss Ratings restated a “hold (c+)” rating on shares of QCR in a report on Monday, December 29th. Three equities research analysts have rated the stock with a Buy rating and three have assigned a Hold rating to the company’s stock. According to MarketBeat.com, the company currently has an average rating of “Moderate Buy” and a consensus target price of $90.00.

Institutional Trading of QCR

Institutional investors have recently modified their holdings of the company. Universal Beteiligungs und Servicegesellschaft mbH boosted its position in shares of QCR by 24.5% during the fourth quarter. Universal Beteiligungs und Servicegesellschaft mbH now owns 3,691 shares of the bank’s stock worth $307,000 after buying an additional 727 shares during the period. Farther Finance Advisors LLC lifted its stake in QCR by 34.6% in the 4th quarter. Farther Finance Advisors LLC now owns 576 shares of the bank’s stock valued at $48,000 after acquiring an additional 148 shares in the last quarter. Assetmark Inc. acquired a new position in QCR during the 4th quarter worth approximately $37,000. State of Alaska Department of Revenue boosted its position in QCR by 323.0% during the 4th quarter. State of Alaska Department of Revenue now owns 2,864 shares of the bank’s stock worth $238,000 after acquiring an additional 2,187 shares during the last quarter. Finally, Daytona Street Capital LLC bought a new position in shares of QCR during the 4th quarter worth approximately $897,000. 70.01% of the stock is currently owned by institutional investors.

QCR Stock Up 1.5%

The stock’s fifty day moving average price is $84.78 and its 200-day moving average price is $78.58. The company has a quick ratio of 1.01, a current ratio of 1.01 and a debt-to-equity ratio of 0.65. The company has a market capitalization of $1.51 billion, a price-to-earnings ratio of 12.50 and a beta of 0.82.

About QCR

QCR Holdings, Inc, headquartered in Moline, Illinois, is a bank holding company that delivers community banking services through its wholly owned subsidiary, QCR Bank. The company focuses on serving individuals, small to medium-sized businesses and municipal clients in select Midwestern markets.

QCR Bank offers a broad array of deposit and lending products, including personal and business checking and savings accounts, commercial real estate loans, equipment financing, mortgage lending and treasury management solutions.