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QCR Holdings QCRH Q4 2025 Annual earnings

Reported January 27, 2026 · After market close

Revenue$107.0MBeat by $152.0K
EPS$2.21Beat by $0.25
Revenue estimate$106.9M
EPS estimate$1.96

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$109.0M
EPS estimate$2.09

Financials

Q4 2025

Income statement

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Revenue$107.0M+16.5%
Net income$35.7M+18.0%
EPS (diluted)$2.11+19.2%

Balance sheet

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Total debt$6.4M+6.4%
Total equity$1.1B+11.5%
Total assets$9.5B+5.2%

Cash flow

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Operating cash flow$335.4M+89.1%
CapEx$24.6M+76.1%
Free cash flow$310.8M+90.3%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$1.4B+3.1%
Enterprise value$1.41B+3.1%
P/E11×-0.9×
P/S3.8×-0.1×

Profitability

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Net margin34.4%+1.6pp
FCF margin95.8%-19.4pp

Returns & leverage

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Return on equity12.1%0.0pp
Debt / equity0×0.0×

Segments

By product

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Fiduciary And Trust$3.7M+8.5%
Deposit Account$2.1M-6.1%
Debit Card$1.6M+5.5%
Investment Advisory Management And Administrative Service$1.5M+13.9%
Correspondent Clearing$699.0K+24.8%

FAQ

When did QCR Holdings report Q4 2025 earnings?
QCR Holdings (QCRH) reported Q4 2025 earnings on January 27, 2026 after market close.
What were QCR Holdings's Q4 2025 revenue and EPS?
QCR Holdings reported revenue of $107.0M and eps of $2.21 for Q4 2025.
Did QCR Holdings beat estimates in Q4 2025?
Revenue beat the consensus estimate of $106.9M by $152.0K. EPS beat the consensus estimate of $1.96 by $0.25.
How did QCR Holdings's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 20.2% from $89.0M a year earlier and eps grew 14.5% from $1.93.
Where can I find QCR Holdings's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001104659-26-006980) and the 10-K periodic report (0001104659-26-021531) directly on SEC EDGAR. The filing index links above go to sec.gov.