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QCR Holdings (DE:3PE)
:3PE
Earnings Data
Report Date
Jul 23, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
1.43Last Year’s EPS
1.53Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 22, 2025
|% Change Since: 5.93%
|Next Earnings Date:Jul 23, 2025
Earnings Call Sentiment|Neutral
The earnings call reflected a balanced outlook with robust deposit and wealth management growth offset by macroeconomic uncertainties impacting the LIHTC lending business and loan growth projections. Strong asset quality and capital levels were positive, but the suspension of full-year loan growth guidance and challenges in net interest income were notable concerns.Company Guidance
During the first quarter of 2025, QCR Holdings reported net income of $26 million and adjusted net income of the same amount, with earnings per diluted share at $1.52, or $1.53 on an adjusted basis. The quarter was marked by a one basis point increase in the adjusted net interest margin on a tax-equivalent basis, despite a four basis point dilution from expired interest rate caps. The company experienced annualized loan growth of 4%, excluding the planned runoff of M2 equipment finance loans, and achieved robust core deposit growth of 20% annualized. Non-interest income totaled $17 million, with $7 million from capital markets revenue, although macroeconomic uncertainties affected the LIHTC lending business. Wealth management saw a 14% annualized revenue increase. Non-interest expenses decreased by 13% to $47 million, primarily due to lower variable compensation linked to reduced capital markets revenue. Asset quality remained strong, with a slight increase in non-performing assets by three basis points but a decrease in criticized loan balances by 28 basis points. The provision for credit losses was $4 million, down by $915,000 from the previous quarter. The company is targeting a 4% to 6% annualized loan growth rate for the second quarter of 2025, with plans to continue utilizing securitizations as a strategic tool as they approach $10 billion in assets.Robust Deposit Growth
Total annualized core deposit growth was at a robust 20%, significantly enhancing liquidity and reducing wholesale funding levels.
Wealth Management Growth
The wealth management business generated annualized revenue growth of 14% for the quarter, driven by growth in new client accounts and assets under management.
Strong Asset Quality
Non-performing assets as a percentage of total assets increased slightly by three basis points but remained well below historic averages. Total criticized loan balances decreased by 28 basis points, marking the lowest criticized ratio in five years.
Improved Capital Levels
Capital levels were strong with an increase in regulatory capital ratios driven by solid earnings and a smaller increase in total risk-weighted assets.
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DE:3PE Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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DE:3PE Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 22, 2025 | €59.00 | €58.00 | -1.69% |
Jan 22, 2025 | €77.44 | €75.44 | -2.58% |
Oct 23, 2024 | €72.39 | €71.89 | -0.69% |
Jul 24, 2024 | €64.35 | €68.84 | +6.98% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does QCR Holdings (DE:3PE) report earnings?
QCR Holdings (DE:3PE) is schdueled to report earning on Jul 23, 2025, TBA Not Confirmed.
What is QCR Holdings (DE:3PE) earnings time?
QCR Holdings (DE:3PE) earnings time is at Jul 23, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of QCR Holdings stock?
The P/E ratio of QCR Holdings is N/A.
What is DE:3PE EPS forecast?
DE:3PE EPS forecast for the fiscal quarter 2025 (Q2) is 1.43.
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