GET DAILY SIGNALSQCR Holdings (NASDAQ: QCRH) Reports Record Q3 Earnings with +5.7% EPS Beat
Key Takeaways
- QCR Holdings reported net income of $36.4 million for the third quarter of 2026, which management described as a record for the company.
- Adjusted earnings per share (EPS) came in at $2.21, exceeding the consensus estimate of $2.09 by roughly 5.7%.
- Net interest income (NII) rose 6% year over year to $68.69 million, supported by margin expansion and loan growth.
- Tangible book value (TBV) per share climbed 11% year over year to $61.79, alongside ongoing share repurchases.
- Total revenue of $99.17 million came in below some analyst models, presenting a mixed top-line signal despite the earnings beat.
- Asset quality improved to its strongest level in several years, with net charge-offs at 0.04% of average loans.
Why This Quarter Matters for QCR Holdings
QCR Holdings operates as a Midwest regional bank holding company with community banks in Iowa and Missouri. The third-quarter results provide a useful test of whether the company can maintain earnings momentum amid competitive deposit markets and evolving interest-rate expectations. Earlier periods had shown progress in noninterest-bearing deposits and expense control, and attention has turned to whether capital markets activity and low-income housing tax credit originations can keep supplementing core lending income. Tangible book value growth, share repurchases, and a solid capital position all factor into assessing the staying power of its diversified model.
Quarterly Results in Detail
QCR Holdings posted net income of $36.4 million and adjusted EPS of $2.21, which cleared the consensus estimate of $2.09. Net interest income advanced 6% year over year to $68.69 million, aided by margin expansion and loan growth, while the tax-equivalent net interest margin stood near 3.6%. Total revenue reached $99.17 million, falling short of some models and declining from the prior year.
Tangible book value per share increased 11% year over year to $61.79. Capital ratios improved, with the Common Equity Tier 1 ratio rising 33 basis points to 11.01% and the total risk-based capital ratio reaching 14.50%. The efficiency ratio was 55.2%. Asset quality strengthened further, as net charge-offs fell to 0.04% of average loans and nonperforming assets reached their lowest level relative to total assets since 2024. The company repurchased $9.5 million of common stock in the quarter. I also checked this using Tickeron’s AI Screener to see how the stock compares to others in the industry.
Market Reaction and Sentiment
Shares of QCR Holdings had risen about 17% year to date heading into the release, ahead of the broader market. Analyst sentiment leaned positive, with three upward EPS revisions against one downward revision in the preceding 90 days. The stock traded relatively flat right after the print, as investors balanced the earnings beat against softer revenue. Analysts indicated that any sustained price movement would hinge on management commentary around net interest margin trends, capital markets revenue, and deposit cost management.
Outlook and Items to Watch
Management reaffirmed its noninterest expense guidance of $54 million to $57 million for the fourth quarter of 2026 and expects the effective tax rate to stay in the 8% to 10% range, assuming a revenue mix in line with prior guidance. Deposit trends remain a key focus, with a fourth straight quarter of noninterest-bearing deposit growth offset by timing-related outflows in correspondent deposits that later returned. Capital markets revenue and low-income housing tax credit origination activity also warrant attention, given the emphasis on recycling capital through loan sales and securitizations to generate fee income. Asset quality and the pace of buybacks will continue to signal capital discipline.
My Experience with Tickeron’s AI Tools
I often turn to Tickeron’s AI-powered tools when reviewing bank earnings to quickly filter peers and spot relevant patterns. The AI Screener helps me apply technical and fundamental filters across the financials sector, which saves time and surfaces ideas I might otherwise miss. In this case, it confirmed how QCR Holdings stacks up on key metrics like efficiency and asset quality relative to similar regional banks.
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Contributor
Sergey Savastiouk, Ph.D. has a degree in Applied Mathematics from Moscow University and has extensive experience as an entrepreneur, investor, manager, and mathematician. His professional expertise is in applied mathematics, mathematical modeling, system and pattern analysis, and software and hardware system integration. He has served as the CEO of several hi-tech start-up companies and nonprofit organizations, which has given him proven capabilities in business strategy for high-tech start-up companies, market assessment, company formation, team building, product development, marketing, and sales. He has published numerous articles in journals and magazines on related fields. As a retail investor, he spent 15 years developing his proprietary trading and quantitative algorithms (now Tickeron’s A.I.), which brought him significant returns in trading the stock market. His current work and goal in founding Tickeron is to bring professional, sophisticated stock market analysis capabilities to retail investors via an easy-to-use interface.
QCRH in upward trend: price may jump up because it broke its lower Bollinger Band on October 07, 2026
QCRH may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options. In 28 of 37 cases where QCRH's price broke its lower Bollinger Band, its price rose further in the following month. The odds of a continued upward trend are 76%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 44 of 60 cases where QCRH's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 73%.
Following a +1.70% 3-day Advance, the price is estimated to grow further. Considering data from situations where QCRH advanced for three days, in 193 of 317 cases, the price rose further within the following month. The odds of a continued upward trend are 61%.
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on October 06, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on QCRH as a result. In 50 of 87 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 57%.
The Moving Average Convergence Divergence Histogram (MACD) for QCRH turned negative on October 19, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 47 similar instances when the indicator turned negative. In 31 of the 47 cases the stock turned lower in the days that followed. This puts the odds of success at 66%.
QCRH moved below its 50-day moving average on September 16, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for QCRH crossed bearishly below the 50-day moving average on September 21, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 9 of 16 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 56%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where QCRH declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 61%.
The Aroon Indicator for QCRH entered a downward trend on October 19, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 23 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 28 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 29 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 46 (best 1 - 100 worst), indicating steady price growth. QCRH’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 71 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.388) is normal, around the industry mean (1.229). P/E Ratio (11.468) is within average values for comparable stocks, (13.102). Projected Growth (PEG Ratio) (0.290) is also within normal values, averaging (1.190). Dividend Yield (0.006) settles around the average of (0.036) among similar stocks. P/S Ratio (4.386) is also within normal values, averaging (3.738).
The Tickeron Seasonality Score of 95 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
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a regional bank
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