
QCR Holdings’ fourth quarter results were met positively by the market, despite missing Wall Street’s revenue expectations. Management attributed the quarter’s performance to robust net interest margin expansion, strong loan and deposit growth, and continued momentum in the capital markets and wealth management segments. CEO Todd Gipple emphasized the success of the company’s multi-charter community banking model and highlighted that all three primary business lines—traditional banking, wealth management, and the LIHTC (Low-Income Housing Tax Credit) lending platform—delivered notable contributions, with the LIHTC lending business benefiting from sustained demand for affordable housing and recent legislative support.
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QCR Holdings (QCRH) Q4 CY2025 Highlights:
- Revenue: $118.4 million vs analyst estimates of $106.9 million (13.8% year-on-year growth, 10.7% beat)
- Adjusted EPS: $2.21 vs analyst estimates of $1.99 (11.3% beat)
- Adjusted Operating Income: $52.01 million vs analyst estimates of $52.32 million (43.9% margin, 0.6% miss)
- Market Capitalization: $1.54 billion
While we enjoy listening to the management's commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention.
Our Top 5 Analyst Questions From QCR Holdings’s Q4 Earnings Call
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Damon Del Monte (KBW): Asked about seasonality in capital markets revenue and expectations for Q1. CEO Todd Gipple explained that the first quarter is historically slower for capital markets, with revenue typically backloaded to later quarters.
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Nathan Race (Piper Sandler): Inquired about the impact of loan securitizations on earning assets and guidance for expense run rates. CFO Nick Anderson detailed that earning assets will start the year at year-end levels and highlighted investment in digital transformation and infrastructure for regulatory changes.
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Nathan Race (Piper Sandler): Asked about deposit gathering strategies amid robust loan growth targets. Gipple described a multi-pronged approach including retail checking, private banking, and treasury management, aiming to fund growth with core deposits, not wholesale funding.
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Daniel Tamayo (Raymond James): Questioned long-term growth prospects for the LIHTC business and the capacity of current bankers. Gipple noted only a small fraction of the market is currently served, with plans to deepen relationships and gradually expand capacity.
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Brian Martin (Janney): Sought clarity on improving noninterest-bearing deposit mix and operating leverage trends. Gipple acknowledged the challenge in quickly increasing noninterest-bearing balances but outlined efforts to move toward peer levels and lower the loan-to-deposit ratio over time.
Catalysts in Upcoming Quarters
In the upcoming quarters, the StockStory team will be watching (1) execution of additional core system upgrades and digital transformation milestones, (2) sustained momentum in traditional banking and LIHTC lending, and (3) the company’s ability to improve deposit mix and achieve targeted loan growth without relying on wholesale funding. Progress on operating leverage, especially as QCR Holdings nears the $10 billion asset mark, will also be a key area of focus.
QCR Holdings currently trades at $92.35, up from $88.13 just before the earnings. Is the company at an inflection point that warrants a buy or sell? The answer lies in our full research report (it’s free).
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