Overview

* QCR Holdings ( QCRH ) fiscal Q2 adjusted EPS beats analyst expectations, per LSEG data

* The commercial and consumer banking services provider's adjusted net income for fiscal Q2 beats consensus

* Nonperforming assets declined 11%, reflecting improved asset quality

Outlook

* Company expects Q3 NIM TEY to rise in a range from static to an increase of four basis points

* QCR Holdings ( QCRH ) reaffirms $50 mln to $60 mln capital markets revenue guidance for next four quarters

* Company projects 8% to 10% gross loan growth in H2 2025

* QCR Holdings ( QCRH ) expects Q3 noninterest expense between $52 mln and $55 mln

Result Drivers

* NET INTEREST INCOME - Increased by $2.1 mln due to strong earning asset growth, expanded yield on loans and investments, and lower cost of funds

* CAPITAL MARKETS REVENUE - Grew 51% linked-qtr, driven by improved low-income housing tax credit lending activity

* LOAN GROWTH - Total loans and leases grew by $102.6 mln, driven by LIHTC and traditional lending businesses

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q2 Beat $1.73 $1.59 (5

Adjusted Analysts

EPS )

Q2 EPS $1.71

Q2 Beat $29.40 $27.20

Adjusted mln mln (5

Net Analysts

Income )

Q2 Net $29 mln

Income

Q2 Net $62.10

Interest mln

Income

Analyst Coverage

* The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 5 "strong buy" or "buy", no "hold" and no "sell" or "strong sell"

* The average consensus recommendation for the banks peer group is "buy"

* Wall Street's median 12-month price target for QCR Holdings Inc ( QCRH ) is $88.00, about 14.4% above its July 22 closing price of $75.35

* The stock recently traded at 11 times the next 12-month earnings vs. a P/E of 10 three months ago

Press Release:

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)