The Q4 guidance reaffirmation for loan growth and capital markets revenue suggests management sees continued momentum. Monitor the earnings call for color on deposit repricing dynamics and the impact of the September Fed rate increase on NIM, as well as any update on the m2 portfolio runoff trajectory.
Price Chart
Executive Summary
QCR Holdings reported Q3 2026 diluted EPS of $2.21, a 5.7% beat vs consensus of $2.09, with net income of $36.4M essentially flat YoY. Revenue was not explicitly stated as a single top-line figure, but net interest income grew 5% annualized linked-quarter to $68.7M, NIM TEY expanded 3 bps to 3.58%, and the company reaffirmed gross loan growth guidance of 10-15% annualized for Q4. The beat is modest and fundamentals are solid but not accelerating, making this a neutral-to-slightly-positive read-through.
Key Financial Metrics
Key Facts
- Diluted EPS of $2.21 beat consensus of $2.09 by 5.7%
- Net income of $36.4M vs $36.7M in Q3 2025 (down ~0.8% YoY)
- Net interest income $68.7M, up 5% annualized linked-quarter
- NIM TEY expanded 3 bps to 3.58% from 3.55% prior quarter
- Gross loan growth 11% annualized (ex-m2 runoff); total loans $7.2B
- Capital markets revenue $16.9M, up 10% linked-quarter
- Wealth management revenue $5.7M, up 12% YoY
- NPAs improved to 0.39% of total assets, lowest in two years
- Share repurchases of $9.5M (94,861 shares) during the quarter
- Reaffirmed Q4 gross loan growth guidance of 10-15% annualized
- Reaffirmed capital markets revenue guidance of $60-70M over next four quarters
- Tangible book value per share $61.79, up 11% YoY
Financial Impact
EPS beat of $0.12 (5.7%) vs consensus; net income essentially flat YoY; net interest income +$0.8M linked-quarter
Risk Factors
- Net income essentially flat YoY despite EPS growth, indicating share count reduction is a key driver
- Deposit outflows of ~$214M linked-quarter, though management attributes to timing with subsequent recovery
- AOCI reduction of $19.4M from rising rates pressured tangible equity ratio
- Expenses grew 3% linked-quarter, partially offsetting revenue growth
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3384938 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 20, 2026 6d ago | 8-K | $99.47 $103.04 | ▲ +3.59% | ▲ +4.77% | $103.10 (+3.65%) |
Oct 20, 2026 6d ago | 8-K | $99.47 $103.04 | ▲ +3.59% | ▲ +4.77% | $103.10 (+3.65%) |
Oct 20, 2026 6d ago | Press Release | $99.47 $103.04 | ▲ +3.59% | ▲ +4.77% | $103.10 (+3.65%) |
Sep 30, 2026 26d ago | Press Release | $99.26 | awaiting T+1 | — | $103.10 (+3.87%) |
Aug 24, 2026 9w ago | 8-K | $100.90 $99.98 | ▼ −0.91% | ▼ −1.23% | $103.10 (+2.18%) |
Jun 11, 2026 19w ago | Institutional Cluster | $96.38 $96.33 | ▲ +0.05% | ▲ +0.59% | $103.10 (−6.97%) |
May 26, 2026 21w ago | 8-K | $91.40 $91.38 | ▼ −0.02% | ▼ −0.57% | $103.10 (+12.80%) |
May 22, 2026 22w ago | S-3ASR | $92.49 $91.62 | ▼ −0.94% | ▼ −0.90% | $103.10 (+11.47%) |
Apr 22, 2026 26w ago | 8-K | $88.56 $88.39 | ▼ −0.19% | ▼ −0.98% | $103.10 (+16.42%) |
Apr 22, 2026 26w ago | 8-K | $88.56 $88.39 | ▲ +0.19% | ▲ +0.98% | $103.10 (−16.42%) |
US Market Status
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