Despite strong balance sheet growth and margin expansion, the EPS miss drove negative sentiment. Monitor management's explanation on the earnings call for the variance—particularly if non-core items or tax adjustments affected results. The 17% drop in noninterest expense suggests effective cost control, which could support future profitability if revenue recovers.
Price Chart
Executive Summary
QCR Holdings (QCRH) reported Q1 2026 diluted EPS of $1.99, missing the consensus estimate of $1.78, despite record net income of $33.4 million and strong loan and deposit growth. Net interest margin expanded slightly to 3.58% (TEY), while noninterest expenses fell 17% quarter-over-quarter. The stock reacted negatively to the miss despite solid fundamentals.
Key Financial Metrics
Key Facts
- Q1 2026 diluted EPS was $1.99, missing consensus of $1.78 (actual was lower than expected)
- Net income was $33.4 million, down from $35.7 million in Q4 2025
- Net interest margin (TEY) increased to 3.58% from 3.57% in Q4 2025
- Noninterest expenses decreased 17% to $52.1 million from $62.9 million in Q4 2025
- Core deposits grew $409 million (23% annualized), reducing brokered deposits to 2% of total deposits
Financial Impact
EPS miss of $0.22 vs. consensus despite solid revenue and margin performance
Risk Factors
- EPS miss could signal underlying pressure in capital markets or wealth management revenue despite guidance
- Potential for downward guidance revision in future quarters if loan growth or margin expansion slows
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3279384 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 20, 2026 6d ago | 8-K | $99.47 $103.04 | ▲ +3.59% | ▲ +4.77% | $102.99 (+3.53%) |
Oct 20, 2026 6d ago | 8-K | $99.47 $103.04 | ▲ +3.59% | ▲ +4.77% | $102.99 (+3.53%) |
Oct 20, 2026 6d ago | Press Release | $99.47 $103.04 | ▲ +3.59% | ▲ +4.77% | $102.99 (+3.53%) |
Sep 30, 2026 26d ago | Press Release | $99.26 | awaiting T+1 | — | $102.99 (+3.75%) |
Aug 24, 2026 9w ago | 8-K | $100.90 $99.98 | ▼ −0.91% | ▼ −1.23% | $102.99 (+2.07%) |
Jun 11, 2026 19w ago | Institutional Cluster | $96.38 $96.33 | ▲ +0.05% | ▲ +0.59% | $102.99 (−6.85%) |
May 26, 2026 21w ago | 8-K | $91.40 $91.38 | ▼ −0.02% | ▼ −0.57% | $102.99 (+12.68%) |
May 22, 2026 22w ago | S-3ASR | $92.49 $91.62 | ▼ −0.94% | ▼ −0.90% | $102.99 (+11.35%) |
Apr 22, 2026 26w ago | 8-K | $88.56 $88.39 | ▼ −0.19% | ▼ −0.98% | $102.99 (+16.29%) |
Apr 22, 2026 26w ago | 8-K | $88.56 $88.39 | ▲ +0.19% | ▲ +0.98% | $102.99 (−16.29%) |
US Market Status
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