QCR Holdings Earnings Call Transcripts
Fiscal Year 2026
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Adjusted Q3 net income was $36 million, with record EPS, expanding NIM and improving credit quality. Q4 loan-growth and capital-markets guidance was reaffirmed; new LIHTC offtake structures and core-system investments support longer-term growth and operating leverage.
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Q2 2026 saw record EPS, 28% year-over-year EPS growth, and robust loan and wealth management performance. LIHTC lending and capital markets revenue were strong, with $56 million returned to shareholders via buybacks. Efficiency improved and guidance for loan growth and expenses was reaffirmed.
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The meeting confirmed a quorum, introduced board and management, and approved all proposals, including director elections, executive compensation, and auditor ratification. No stockholder questions were received during the Q&A sessions.
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Delivered record Q1 profitability with 31% EPS growth year-over-year, driven by strong loan and deposit growth, lower expenses, and robust wealth management and LIHTC lending. Guidance for loan growth and capital markets revenue was raised, with continued focus on digital transformation and share repurchases.
Fiscal Year 2025
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Record earnings driven by net interest margin expansion, robust loan and deposit growth, and strong capital markets and wealth management performance. Guidance raised for capital markets revenue, with continued investments in digital transformation and disciplined expense management supporting future growth.
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Record net income and EPS growth were driven by strong loan growth, NIM expansion, and a rebound in capital markets revenue. Wealth management and LIHTC lending also delivered robust results, while digital transformation and share repurchases supported long-term value creation.
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Second quarter results showed a 13% EPS increase, driven by NIM expansion, strong loan growth, and improved capital markets revenue. Asset quality remains strong, with disciplined expense management and robust capital ratios. Guidance calls for continued loan and revenue growth, with a focus on digital transformation and capital deployment.
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Margin expansion, strong deposit and wealth management growth, and disciplined expenses drove solid Q1 results, with adjusted EPS of $1.53 and robust capital ratios. Loan growth guidance was reduced due to macro uncertainty, but capital markets and wealth management pipelines remain strong.
Fiscal Year 2024
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Record 2024 results featured robust net interest income, strong loan and deposit growth, and exceptional capital markets and wealth management revenue. Asset quality remains solid, with prudent capital management and a focus on organic growth amid economic uncertainty.
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Exceptional Q3 results featured strong net interest income, margin expansion, and robust capital markets and wealth management revenue. Asset quality remains excellent, with continued loan and deposit growth, and improved capital ratios. Guidance calls for further NIM expansion and stable expenses.
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Q2 2024 saw strong net income, margin expansion, and robust fee income, with asset quality and capital ratios improving. Loan and deposit growth remain on track, while securitization activities are expected to support future earnings. Capital is being retained amid macro uncertainty.