QCRH

Find winning stocks in any market cycle. Join 7 million investors using Simply Wall St's investing ideas for FREE. QCR Holdings (QCRH) drew investor attention after reporting higher second quarter net interest income, stronger earnings per share versus last year, lower net charge offs, and completing a multi quarter share repurchase program. See our latest analysis for QCR Holdings. The latest earnings and lower net charge offs appear to have supported positive momentum in QCR Holdings, with the share price at $100.15 and a 90 day share price return of 9.83%. The 5 year total shareholder return of 108.33% reflects long term compounding over that period. If QCR Holdings has you looking more closely at regional financials and capital allocation, it may be worth widening your search using the 18 top founder-led companies For QCR Holdings, recent earnings strength, falling charge offs and buybacks support the positive view, while soft sales and its bank exposure sustain the negative view, so the next step is to evaluate which side current valuation favors. The most followed narrative for QCR Holdings compares a fair value of $101.40 to the latest close of $100.15. It frames the current share price as slightly below that estimate and ties much of the thesis to how the business mix is expected to evolve. Read the complete narrative. Read the complete narrative. Want to see what sits behind that fair value for QCR Holdings? The narrative leans on faster revenue growth, shifting margins and a different earnings multiple than today. The full breakdown shows how those moving parts fit together over time. Result: Fair Value of $101.40 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, QCR Holdings still faces real tests, including execution risk around its ongoing digital transformation and potential pressure from concentrated exposure to LIHTC and commercial real estate lending. Find out about the key risks to this QCR Holdings narrative. With both risks and rewards in play for QCR Holdings, the next move is yours. Move quickly to review the full breakdown of 2 key rewards and 1 important warning sign If QCR Holdings has sharpened your focus, do not stop here. Use the Simply Wall St Screener to spot other stocks that could sharpen your portfolio edge. Target resilient potential by starting with companies that show steady fundamentals and robust balance sheets through the solid balance sheet and fundamentals stocks screener (49 results). Hunt for mispriced quality by using the 49 high quality undervalued stocks to see which stocks currently trade below their assessed worth with stronger business profiles. Prioritize stability and aim to sleep better at night by scanning for companies with lower overall risk scores via the 79 resilient stocks with low risk scores. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include QCRH. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

QCR Holdings, Inc. has reported past second-quarter 2026 results showing net interest income of US$67.92 million and net income of US$36.25 million, with both basic and diluted earnings per share from continuing operations rising compared with the prior year. Alongside higher earnings, QCR Holdings reduced net charge-offs to US$3.3 million as it winds down its m2 portfolio and completed a share repurchase of 546,384 shares for US$43.29 million under its existing buyback program, highlighting both improving credit trends and active capital management. We'll now examine how this stronger profitability, aided by lower net charge-offs, affects QCR Holdings' existing investment narrative and outlook. This technology could replace computers: discover 26 stocks that are working to make quantum computing a reality. To own QCR Holdings, you need to believe in a Midwest-focused bank that can compound value through steady lending, fee income and disciplined credit. The latest quarter supports that narrative in the short term, with stronger earnings and lower net charge-offs, but it does not remove key risks around credit quality, especially in areas like CRE and the winding down m2 portfolio, which remain the most important near term watchpoints for shareholders. The completion of the repurchase of 546,384 shares for US$43.29 million under its existing buyback program ties into the recent earnings news, because it shows management deploying capital while profitability and credit trends are currently supportive. For investors following QCR’s catalysts, this combination of higher earnings, reduced net charge-offs and active capital returns will likely focus attention on how sustainable these credit and capital conditions prove to be over coming quarters. Yet investors should also be aware that concentrated exposure to CRE and ag-related lending means that if sector conditions weaken, QCR’s asset quality and earnings could... Read the full narrative on QCR Holdings (it's free!) QCR Holdings' narrative projects $532.3 million revenue and $140.1 million earnings by 2029. This requires 13.2% yearly revenue growth and an earnings increase of about $5.3 million from $134.8 million today. Uncover how QCR Holdings' forecasts yield a $101.40 fair value, in line with its current price. One member of the Simply Wall St Community currently pegs QCR Holdings’ fair value at US$101.40, reminding you that individual assessments can be very specific. Set that beside the recent earnings lift helped by lower m2 portfolio charge offs, and it becomes even more important to compare several views on how sustainable these trends might be. Explore another fair value estimate on QCR Holdings - why the stock might be worth as much as $101.40! Disagree with existing narratives? Extraordinary investment returns rarely come from following the herd, so go with your instincts. A great starting point for your QCR Holdings research is our analysis highlighting 2 key rewards and 1 important warning sign that could impact your investment decision. Our free QCR Holdings research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate QCR Holdings' overall financial health at a glance. Don't miss your shot at the next 10-bagger. Our latest stock picks just dropped: Uncover the next big thing with 20 elite penny stocks that balance risk and reward. Outshine the giants: these 17 early-stage AI stocks could fund your retirement. Rare earth metals are the new gold rush. Find out which 29 stocks are leading the charge. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include QCRH. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

This article first appeared on GuruFocus. Release Date: July 23, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. QCR Holdings Inc (NASDAQ:QCRH) reported strong second-quarter net income and record quarterly GAAP earnings per share, showcasing the strength of their diversified business model. The company achieved robust loan production, a rebound in capital markets revenue, higher net interest income, and strong momentum in wealth management. QCR Holdings Inc (NASDAQ:QCRH) continued to strengthen asset quality, increased tangible book value per share, and returned capital to shareholders through share repurchases. The company's wealth management business delivered excellent results with AUM growth of 9% and revenue increasing 7% on a link-quarter basis. The LIHTC lending business performed exceptionally well, driven by strong demand for affordable housing, and is a key differentiator for the company. The net interest margin (NIM) declined 3 basis points from the first quarter of 2026, coming in below the guidance range. The complexity and increased costs of the Freddie Mac M-Series securitization program led to a loss on the transaction. Non-interest expense increased by $1 million linked-quarter, reflecting higher salary and benefits expenses and investments in digital transformation. Total core deposit activity decreased by $324 million, primarily due to the intentional reduction of higher-cost correspondent and public fund balances. The company anticipates growing beyond $10 billion in assets in 2027, which will require preparation for associated organizational impacts by mid-2028. Warning! GuruFocus has detected 7 Warning Signs with QCRH. Is QCRH fairly valued? Test your thesis with our free DCF calculator. Q: Todd, could you elaborate on the nuances of the offtake transactions on the LIHTC side and how they will free up balance sheet and capital capacity? Also, how does this translate into the buyback appetite given the current stock trades? A: Todd Gipple, President and CEO: Freddie Mac increased the complexity of its M-Series program, leading us to explore alternative loan sale structures. We expect these alternatives to result in a complete sale of the loans, freeing up regulatory capital. This will allow us to continue opportunistic share repurchases. We have repurchased 4% of outstanding shares at an average cost of $83 per share and have 1.2 million shares available for future repurchases. Q: Can you speak to the trajectory for capital markets revenue in the back half of the year, given the guidance implies a ramp-up? A: Todd Gipple, President and CEO: We had a strong second quarter with $16.7 million in capital markets revenue. Our LIHTC business is performing well, with 22 projects closed in the quarter. We have relationships with 18 of the top 20 affordable housing developers, and our pipeline is strong, similar to last year, which bodes well for the back half of the year. Q: What is the near-term expense run rate, and is the sub-5% expense growth range for next year still reasonable? A: Todd Gipple, President and CEO: We anticipate staying within the 5% expense growth guardrail. Despite building the bank of the future, we are committed to efficiency and effectiveness. Nick Anderson, CFO, added that digital transformation will lead to cost savings, and we expect gradual improvement in the expense run rate through 2027, with visible impacts in 2028. Q: Will cost synergies from core conversions be absorbed by investments as you prepare to cross $10 billion in assets? A: Nick Anderson, CFO: We've been building in costs for approaching $10 billion over the last two to three years. The cost synergies from core conversions should offset some additional staffing costs. We aim to keep non-interest expenses under 5% annually, with potential to be below 5% post-conversion. Q: Can you provide a better starting point for earning assets in Q3, given the LIHTC offtake transaction occurred late in Q2? A: Nick Anderson, CFO: We expect average earning assets to be about $100 million lower at the start of Q3 but anticipate adding $200 million by the end of Q3, reflecting strong loan growth and success in growing our municipal bond portfolio. For the complete transcript of the earnings call, please refer to the full earnings call transcript.

Our analysts just identified a stock with the potential to be the next Nvidia. Tell us how you invest and we'll show you why it's our #1 pick. Tap here. Achieved record quarterly GAAP EPS driven by a diversified business model that balances traditional banking, wealth management, and specialized LIHTC lending. Maintained a competitive advantage through a multi-charter structure that combines local decision-making autonomy with the scale and resources of a larger organization. Executed $444 million in LIHTC offtake transactions, demonstrating a 'flywheel' effect where capital is rapidly recycled from loan sales back into new originations to enhance ROAA. Successfully completed the second core conversion in April, a key milestone in a digital transformation aimed at modernizing the tech stack and driving future operating leverage. Managed the balance sheet to remain intentionally under the $10 billion asset threshold for 2026, with plans to cross that mark in 2027 once organizational preparations are complete. Attributed strong asset quality to disciplined credit culture and the continued successful wind-down of the legacy m2 Equipment Finance portfolio. Prioritized tangible book value compounding, which grew 15% year-over-year, supported by robust earnings and opportunistic share repurchases. Reaffirmed gross annualized loan growth guidance of 10%-15% for the second half of 2026, supported by robust pipelines in both traditional and LIHTC platforms. Projected capital markets revenue of $60 million-$70 million over the next four quarters, despite seasonal fluctuations typically seen in the first quarter. Anticipates a transition to alternative LIHTC loan sale structures in early 2027 to avoid the complexity and rising costs of the current Freddie Mac M-Deal program. Expects the net interest margin to remain relatively static in the third quarter, assuming no Fed rate changes, as loan repricing offsets funding mix shifts. Guided for 2027 and 2028 non-interest expense growth to remain below 5% under the '9-6-5' strategic model, even as the company prepares for increased regulatory rigor. Reported a $1.3 million loss on a Freddie Mac LIHTC securitization due to significantly increased legal and transaction costs stemming from program complexity. Identified a shift toward higher-cost non-core funding and lower loan discount accretion as primary headwinds to net interest margin during the quarter. Noted that future LIHTC offtake structures will aim for complete loan sales to fully remove assets from risk-based calculations and more effectively free up regulatory capital. Lowered third-quarter non-interest expense guidance to $54 million-$57 million, reflecting disciplined management and the timing of digital investment outlays. One stock. Nvidia-level potential. 30M+ investors trust Moby to find it first. Get the pick. Tap here. Management explained that the move away from Freddie Mac securitizations toward third-party sales will eliminate the need to retain the first-loss B tranche. This shift is intended to free up regulatory capital more efficiently, supporting continued opportunistic share repurchases under the remaining 1.2 million share authorization. Management expects a gradual improvement in the expense run rate through 2027 and 2028 as legacy systems are decommissioned and staffing efficiencies from the single-core platform materialize. The company believes these synergies will offset the incremental costs required to support the infrastructure of a $10 billion-plus asset organization. Management indicated that while digital transformation has been the priority, capacity for M&A is opening up as core conversions conclude in April 2027. The 'strike zone' remains tight, focusing on banks in the $1.5 billion to $5 billion range that fit the company's high-performance organic growth model.

Interested in QCR Holdings, Inc.? Here are five stocks we like better. QCR posted strong second-quarter results, reporting net income of $36 million, or $2.19 per diluted share, with record quarterly GAAP EPS and a 28% year-over-year increase in EPS. Management credited loan production, capital markets activity, wealth management growth and expense control. Loan growth and capital markets remained key drivers, with total loans up $217 million in the quarter and capital markets revenue rebounding to $15 million. The company reaffirmed full-year loan growth guidance of 10% to 15% and expects $60 million to $70 million in capital markets revenue over the next four quarters. Asset quality and capital returns improved, as non-performing assets fell to $40 million and criticized loans dropped to their lowest level since 2019. QCR also repurchased about 150,000 shares in the quarter and has returned nearly $56 million to shareholders through buybacks over the past four quarters. QCR (NASDAQ:QCRH) reported what management described as a strong second quarter of 2026, with net income of $36 million, or $2.19 per diluted share, as the bank holding company cited loan production, capital markets activity, wealth management growth and expense discipline as key contributors. President and CEO Todd Gipple said the quarter produced “record quarterly GAAP earnings per share,” while adjusted earnings per share was near record levels. He said return on average assets was 1.51%, and earnings per share rose 28% from the prior-year quarter. → Could Truth API Become Trump Media’s First Meaningful Revenue Driver? Gipple said QCR’s diversified business model supported the results, pointing to higher net interest income, a rebound in capital markets revenue, continued momentum in wealth management and strong asset quality. He also noted that tangible book value per share has increased by $8, or 15%, since June 30 of last year, while the company returned about $56 million to shareholders through share repurchases over the past four quarters. CFO Nick Anderson said net interest income totaled $68 million in the second quarter, up $500,000, or 3% annualized, from the first quarter. He said robust earning asset growth more than offset the impact of Low-Income Housing Tax Credit, or LIHTC, loan offtake transactions. → 3 Photonics Companies Making Quantum Tech Possible Anderson said the company’s net interest margin on a tax-equivalent yield basis declined three basis points from the first quarter and came in below guidance. He attributed the decline to a shift toward higher-cost non-core funding and lower loan yields, including reduced loan discount accretion and non-accrual activity. However, he said deposit pricing discipline helped reduce deposit costs during the quarter. Anderson said the company expects a “relatively static” third-quarter net interest margin on a tax-equivalent basis, assuming no Federal Reserve rate changes. He added that each 25-basis-point decrease in the federal funds rate would be expected to increase net interest margin by one basis point and net interest income by about $1 million, based on the company’s current modestly liability-sensitive balance sheet position. → AeroVironment’s Stock Is Down, But Drone Demand Is Taking Off Total loans grew $217 million in the quarter, or 12% annualized, excluding the impact of LIHTC offtake transactions and planned runoff of the M2 Equipment Finance portfolio. Traditional loan growth was 7% annualized, excluding the M2 runoff. QCR reaffirmed its guidance for gross annualized loan growth of 10% to 15% over the final two quarters of 2026 and capital markets revenue of $60 million to $70 million over the next four quarters. Gipple said the company’s LIHTC lending business continues to perform well, supported by demand for affordable housing and relationships with major developers. Anderson said capital markets revenue totaled $15 million in the quarter, while WAC fee capital markets revenue increased $6 million, or 56%, from the prior quarter to $17 million. That was partially offset by a $1.3 million loss tied to a Freddie Mac LIHTC securitization. During the quarter, QCR executed $444 million of LIHTC loan offtake transactions, consisting of a Freddie Mac permanent loan securitization and a construction loan portfolio sale. Gipple said Freddie Mac had significantly increased the complexity of its M-Deal securitization program, including expanding the offering document to more than 400 pages from a little more than 100 pages in earlier transactions. He said the added legal and transaction costs contributed to the loss on the securitization, even though pricing of the underlying securities was stronger than expected. Gipple said QCR is working with third parties on alternative loan sale structures for permanent LIHTC loans that management believes will be less complex, faster to complete and more economically attractive. He said those structures are expected to result in complete loan sales without retaining a first-loss B tranche, which would more fully remove the loans from risk-based assets and free regulatory capital. The company expects its first transaction under the revised structure in early 2027. In response to a question from Piper Sandler analyst Nathan Race, Gipple said the company does not expect to conduct much additional LIHTC offtake activity for the remainder of 2026, except potentially a modest construction loan sale to remain comfortably below $10 billion in assets at year-end. Wealth management revenue was $6 million in the second quarter, up 7% from the prior quarter. Gipple said assets under management increased 9% on a linked-quarter basis. Anderson said the business added 170 new client relationships and $483 million in new assets under management year to date. Core deposits declined $324 million in the second quarter after what Anderson called exceptional first-quarter performance. He said the decrease reflected an intentional reduction in higher-cost correspondent and public fund balances, supported by liquidity from LIHTC offtake transactions and growth in non-interest-bearing deposits. Year to date, core deposits increased $85 million, or 2% annualized, and the company recorded its third consecutive quarter of non-interest-bearing deposit growth. Asset quality improved during the quarter. Anderson said non-performing assets totaled $40 million, down $3.4 million from the prior quarter, reducing the non-performing assets-to-total-assets ratio to 0.41%. Criticized loans fell to 1.91% of total loans and leases, the lowest level since the fourth quarter of 2019. The company recorded a $4.7 million provision for credit losses, compared with $2.5 million in the first quarter, and net charge-offs declined by $600,000 to $3.3 million. Non-interest expense totaled $53 million, up from $52 million in the first quarter. Anderson said the increase was primarily tied to higher salary and benefits expense related to capital markets activity, as well as higher professional and data processing costs tied to digital transformation investments. The company’s efficiency ratio improved 310 basis points to 54.6%. QCR lowered its third-quarter non-interest expense guidance to a range of $54 million to $57 million. Anderson said the outlook includes continued investment in digital transformation initiatives and reflects the company’s effort to keep annual non-interest expense growth below 5% under its “9-6-5” strategic model. During the quarter, QCR repurchased approximately 150,000 common shares and returned nearly $13.5 million of capital to shareholders. Since launching its repurchase effort last year, the company has bought back 675,000 shares, or about 4% of shares outstanding, for nearly $56 million. Anderson said tangible book value per share increased $2.17, or 15% annualized, during the quarter. Gipple also said QCR expects to grow beyond the $10 billion asset threshold sometime in 2027 and is preparing for the related organizational impacts expected in mid-2028. On merger and acquisition activity, he said the company has become more intentional about discussions as its digital transformation project approaches completion, but emphasized that the “strike zone is very tight” because of QCR’s organic growth momentum. QCR Holdings, Inc, headquartered in Moline, Illinois, is a bank holding company that delivers community banking services through its wholly owned subsidiary, QCR Bank. The company focuses on serving individuals, small to medium-sized businesses and municipal clients in select Midwestern markets. QCR Bank offers a broad array of deposit and lending products, including personal and business checking and savings accounts, commercial real estate loans, equipment financing, mortgage lending and treasury management solutions. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. The article "QCR Q2 Earnings Call Highlights" was originally published by MarketBeat. View MarketBeat's top stocks for July 2026.

QCR Holdings (QCRH) came out with quarterly earnings of $2.19 per share, beating the Zacks Consensus Estimate of $1.9 per share. This compares to earnings of $1.73 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +15.26%. A quarter ago, it was expected that this bank holding company would post earnings of $1.78 per share when it actually produced earnings of $1.99, delivering a surprise of +11.8%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. QCR Holdings, which belongs to the Zacks Banks - Midwest industry, posted revenues of $97.34 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 3.06%. This compares to year-ago revenues of $84.2 million. The company has topped consensus revenue estimates three times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. QCR Holdings shares have added about 17% since the beginning of the year versus the S&P 500's gain of 9.7%. While QCR Holdings has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for QCR Holdings was unfavorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #4 (Sell) for the stock. So, the shares are expected to underperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $2.06 on $99.8 million in revenues for the coming quarter and $8.13 on $388 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Midwest is currently in the top 32% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. German American Bancorp (GABC), another stock in the same industry, has yet to report results for the quarter ended June 2026. This financial services holding company is expected to post quarterly earnings of $0.92 per share in its upcoming report, which represents a year-over-year change of +7%. The consensus EPS estimate for the quarter has been revised 0.4% higher over the last 30 days to the current level. German American Bancorp's revenues are expected to be $98.43 million, up 9.5% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report QCR Holdings, Inc. (QCRH) : Free Stock Analysis Report German American Bancorp, Inc. (GABC) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Second Quarter 2026 Highlights Net income of $36.3 million, or $2.19 diluted earnings per share (“EPS”), representing a 28% year-over-year increase in diluted EPS Strong return on average assets of 1.51% Significant capital markets revenue from low-income housing tax credit (“LIHTC”) production increased 69% year-over-year to $16.7 million Wealth Management assets under management increased 9% and revenue increased 7% on a linked-quarter basis Enhanced operating leverage, reflected in a 310-basis point improvement in the efficiency ratio1 to 54.6% Robust gross loan growth of 12% annualized, excluding securitization, loan sale, and m2 Equipment Finance (“m2”) portfolio runoff Successful execution of $443.6 million in LIHTC loan offtake transactions Asset quality improved with criticized loans to total loans at the lowest level since the fourth quarter of 2019 Tangible book value (“TBV”) per share1 growth of $2.17, or 15% annualized on a linked-quarter basis Opportunistic share repurchases of 149,639 shares at an average price of $90.01 per share MOLINE, Ill., July 22, 2026 (GLOBE NEWSWIRE) -- QCR Holdings, Inc. (NASDAQ: QCRH) (the “Company”) today announced quarterly net income of $36.3 million and diluted EPS of $2.19 for the second quarter of 2026, compared to net income of $33.4 million and diluted EPS of $1.99 for the first quarter of 2026, and $29.0 million and $1.71 for the second quarter of 2025. “We delivered strong net income and record GAAP EPS for the second quarter, demonstrating the ongoing momentum across our franchise. Adjusted EPS1 also remained near record levels, exceeded only by the fourth quarter of 2025. These results were supported by substantial loan production, a rebound in capital markets revenue, higher net interest income despite significant LIHTC loan sales, and strong contributions from our wealth management business. Noninterest expenses also outperformed our guidance. Together, these results produced meaningful operating leverage and demonstrated the strength of our diversified business model,” said Todd Gipple, President and Chief Executive Officer. “We also made important progress on several strategic priorities during the quarter, improving asset quality to the strongest levels in nearly seven years, completing our second core conversion, executing LIHTC offtake transactions that advanced our asset and capital-light strategy, and returning $13.5 million to shareholders through opportunistic share repurchases,” said Mr. Gipple. Robust Loan Growth In the second quarter of 2026, total loans grew $216.9 million, or 12% annualized, excluding LIHTC loan offtake transactions and the planned runoff of the m2 portfolio. The Company executed $443.6 million of LIHTC loan offtake transactions during the quarter, consisting of a Freddie Mac permanent loan securitization and a construction loan portfolio sale. “We delivered strong loan growth fueled by solid production across both our LIHTC and traditional lending businesses, in line with our guidance. Our 7% annualized traditional loan growth, excluding the planned m2 portfolio runoff, reflects robust local client demand and continued strength across our markets,” said Mr. Gipple. “With very strong pipelines and a healthy outlook for future originations, we expect increased lending activity to fully offset the near-term impact of LIHTC offtake transactions on net interest income. Over time, these transactions will allow us to expand our capital markets revenue opportunities. Accordingly, we are reaffirming our gross loan growth guidance of 10% to 15% annualized for the final two quarters of 2026,” said Mr. Gipple. Significant Capital Markets and Wealth Management Revenue Growth Noninterest income for the second quarter of 2026 was $29.4 million, up from $23.0 million in the first quarter of 2026. The Company generated $16.7 million of capital markets revenue from LIHTC loan production in the second quarter of 2026, representing a linked-quarter increase of 56% and a year-over-year increase of 69%. Capital markets revenue growth was partially offset by a $1.3 million loss from the Freddie Mac LIHTC securitization. Wealth management revenue totaled $5.8 million for the quarter, representing a 7% increase from the first quarter of 2026, reflecting strong market performance and continued new relationship and AUM growth. “Our wealth management business continues to perform at a high level, delivering 7% revenue growth and 9% AUM growth during the quarter. We believe our investments in this business position us well to sustain this momentum and capture additional growth opportunities,” said Mr. Gipple. “As expected, capital markets revenue increased sharply from a seasonally slower first quarter, supported by growth in our LIHTC lending platform. These results reflect the continued robust demand for affordable housing and the strength of our experienced team. We continue to create new relationships with some of the best LIHTC developers in the country while expanding our relationships with existing clients. We remain particularly excited about the momentum in our LIHTC business, as the outlook in this segment remains very strong, supported by an outstanding pipeline and favorable affordable housing fundamentals. As a result, we are reaffirming our guidance of $60 million to $70 million of capital markets revenue over the next four quarters,” said Mr. Gipple. “As noted in prior quarters, Freddie Mac has significantly increased the complexity of its M-Series securitization program since our earlier transactions. While the underlying securities priced better than expected, higher transaction costs under the revised program drove the loss on this securitization. We are pursuing alternative loan sale structures for our permanent LIHTC loans that we believe will be less complex, faster to execute, and more economically attractive. These structures are also expected to allow for a complete sale of the underlying loans without retaining the first-loss B-Tranche, removing the loans from risk-based assets and more effectively freeing regulatory capital. We are targeting early 2027 for our first transaction under this revised structure,” said Mr. Gipple. Strong Earning Asset Growth Offsets Impact of LIHTC Loan Sales Net interest income for the second quarter of 2026 was $67.9 million, an increase of $0.5 million, or 3% annualized, from the first quarter of 2026. Average earning assets increased $46.3 million during the quarter, more than offsetting the impact of LIHTC offtake transactions and driving higher interest income. Net interest margin (“NIM”) was 3.10% and NIM on a tax-equivalent yield (“TEY”) basis1 was 3.55% for the second quarter, as compared to 3.13% and 3.58%, respectively for the prior quarter. Continued progress in lowering interest-bearing and time deposit costs, along with the accretive impact of the LIHTC offtake transactions, was more than offset by a shift toward higher-cost wholesale funding and lower loan yields. The majority of the reduction in loan yields was driven by lower nonaccrual interest recoveries and reduced loan discount accretion. “Our NIM TEY1 declined 3 basis points from the first quarter of 2026 and came in below our guidance range,” said Nick Anderson, Chief Financial Officer. “After early quarter pressure, NIM improved and stabilized in May and June, with June exceeding the quarterly average by 1 basis point. We continued to maintain deposit pricing discipline in a competitive environment, driving a further decline in our cost of deposits during the quarter. While lower loan discount accretion and nonaccrual interest recoveries pressured our loan yield, significant earning asset growth helped support net interest income as we executed on our LIHTC offtake transactions.” “We are encouraged by the strength of our lending pipeline and consistent loan demand, which continue to support profitable growth opportunities across our footprint. Combined with our disciplined approach to deposit costs, this positive momentum supports our guidance for a relatively static third quarter NIM TEY1, assuming no Federal Reserve rate changes,” said Mr. Anderson. Core Deposits Normalize Following Exceptional First Quarter Total core deposit activity in the second quarter of 2026 normalized from the exceptional first quarter performance, decreasing $323.8 million. The decline primarily reflected the Company’s intentional reduction of higher-cost correspondent and public fund balances, supported by liquidity generated from LIHTC offtake transactions and a steady increase in noninterest bearing deposits. Year-to-date, core deposits have increased $85 million, or 2% annualized. The Company’s total deposits at the end of the second quarter were $7.4 billion, a decrease of 4.5% from the first quarter and includes a further reduction in non-core brokered deposits to just 2% of total deposits. “We remain focused on growing core deposits, optimizing our funding mix, and maintaining disciplined deposit pricing in a competitive environment. We also delivered our third consecutive quarter of noninterest bearing deposit growth, reflecting continued progress on a key strategic priority for our Company,” said Mr. Anderson. Efficient Expense Structure Drives Operating Leverage Noninterest expense for the second quarter of 2026 totaled $53.2 million, compared to $52.1 million for the first quarter of 2026. The $1.0 million linked-quarter increase primarily reflected higher salary and benefits associated with increased capital markets activity, as well as higher professional and data processing expense, related to the core conversion completed during the quarter. The increase in salary and benefits expense was partially offset by an $825 thousand linked-quarter decline in stock-based compensation expense, as most of this expense is recognized in the first quarter, and by higher deferred loan origination costs associated with strong loan growth. “Stronger capital markets production drove higher variable compensation with digital transformation costs also contributing to the linked-quarter increase in noninterest expense. Even with these increases, expenses remained below our guided range, reflecting disciplined expense management and improving operating leverage,” said Mr. Anderson. For the third quarter of 2026, the Company is lowering its noninterest expense guidance to be in the range of $54 million to $57 million, assuming capital markets revenue and loan growth are within the guidance ranges and includes the Company’s continued investments in digital transformation initiatives. “This outlook reflects our approach to expense management under our 9/6/5 strategic model, which is designed to keep annual noninterest expense growth below 5%, driving operating leverage, improving efficiency, and enhancing profitability,” added Mr. Anderson. Continued Strong Asset Quality Nonperforming assets (“NPAs”) totaled $39.5 million at the end of the second quarter of 2026, a decrease of $3.4 million from the prior quarter, which resulted in the NPA to total assets ratio improving by 4 basis points to 0.41%. The ratio of criticized loans to total loans and leases also improved to 1.91%, the lowest level since the fourth quarter of 2019. The Company recorded a total provision for credit losses of $4.7 million during the second quarter, compared to $2.5 million in the first quarter, reflecting loan growth in the current quarter and the prior quarter’s benefit from a reversal of credit loss expense related to loans transferred to held for sale. Net charge-offs were $3.3 million during the second quarter of 2026, a decline of $0.6 million from the prior quarter, as the Company continues to benefit from the positive trends in charge-off activity from the winddown of the m2 portfolio. The allowance for credit losses to total loans held for investment declined by 2 basis points from the prior quarter, to 1.24%. Earnings Growth Drives TBV Per Share1 Expansion The Company’s TBV per share¹ increased by $2.17, or 15% annualized, during the second quarter of 2026. This growth was driven by strong earnings during the quarter partially offset by share repurchases. As of June 30, 2026, the tangible common equity to tangible assets ratio¹ increased 40 basis points to 10.71%, the common equity tier 1 ratio increased 14 basis points to 10.68%, and the total risk-based capital ratio increased 13 basis points to 14.13%. These quarterly changes reflect the combined impact of strong earnings, loan sales, and share repurchases during the quarter. By comparison, these ratios were 10.31%, 10.54%, and 14.00%, respectively, as of March 31, 2026. Continued Opportunistic Share Repurchases The Company continued share repurchases during the second quarter consistent with capital allocation priorities, returning approximately $13.5 million of capital to shareholders at an attractive multiple relative to tangible book value¹. Since the Company began repurchasing shares in 2025, it has purchased over 675 thousand shares, approximately 4% of total shares outstanding, returning $55.9 million of capital to shareholders. The share repurchase program authorized in October 2025 enhances the Company’s capital allocation flexibility and allows for organic growth, shareholder returns, and capital strength while reinforcing confidence in the Company’s long-term outlook. Conference Call DetailsThe Company will host an earnings call/webcast tomorrow, July 23, 2026, at 10:00 a.m. Central Time. Dial-in information for the call is toll-free: 888-346-9286 (international 412-317-5253). Participants should request to join the QCR Holdings, Inc. call. The event will be available for replay through July 30, 2026. The replay access information is 855-669-9658 (international 412-317-0088); access code 5347347. A webcast of the teleconference can be accessed on the Company’s News and Events page at www.qcrh.com. An archived version of the webcast will be available at the same location shortly after the live event has ended. About UsQCR Holdings, Inc., headquartered in Moline, Illinois, is a relationship-driven, multi-bank holding company serving the Quad Cities, Cedar Rapids, Cedar Valley, Des Moines/Ankeny and Springfield communities through its wholly owned subsidiary banks. The banks provide full-service commercial and consumer banking and trust and wealth management services. Quad City Bank & Trust Company, based in Bettendorf, Iowa, commenced operations in 1994, Cedar Rapids Bank & Trust Company, based in Cedar Rapids, Iowa, commenced operations in 2001, Community State Bank, based in Ankeny, Iowa, was acquired by the Company in 2016, and Guaranty Bank, based in Springfield, Missouri, was acquired by the Company in 2018. Additionally, the Company serves the Waterloo/Cedar Falls, Iowa community through Community Bank & Trust, a division of Cedar Rapids Bank & Trust Company. The Company has 35 locations in Iowa, Missouri, and Illinois. As of June 30, 2026, the Company had $9.5 billion in assets, $7.0 billion in loans and $7.4 billion in deposits. For additional information, please visit the Company’s website at www.qcrh.com. Endnotes1Adjusted non-GAAP measurements of financial performance exclude non-core and/or nonrecurring income and expense items that management believes are not reflective of the anticipated future operation of the Company’s business. The Company believes these adjusted measurements provide a better comparison for analysis and may provide a better indicator of future performance. See GAAP to non-GAAP reconciliations. Special Note Concerning Forward-Looking Statements. This document contains, and future oral and written statements of the Company and its management may contain, forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. The Company intends such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995 with respect to the financial condition, results of operations, plans, objectives, future performance and business of the Company. Forward-looking statements, which may be based upon beliefs, expectations and assumptions of the Company’s management and on information currently available to management, are generally identifiable by the use of words such as “believe,” “expect,” “anticipate,” “bode”, “predict,” “suggest,” “project”, “appear,” “plan,” “intend,” “estimate,” ”annualize,” “may,” “will,” “would,” “could,” “should,” “likely,” “might,” “potential,” “continue,” “annualized,” “target,” “outlook,” as well as the negative forms of those words, or other similar expressions. Additionally, all statements in this document, including forward-looking statements, speak only as of the date they are made, and the Company undertakes no obligation to update any statement in light of new information or future events. Forward-looking statements are not historical facts but instead represent management’s current expectations and forecasts regarding future events, many of which are inherently uncertain and outside of our control. Actual results may differ, possibly materially, from those currently expected or projected in these forward-looking statements. These forward-looking statements are subject to known and unknown risks, uncertainties and other factors that could cause actual results to differ materially from the results anticipated or implied by forward-looking statements. A number of factors, many of which are beyond the ability of the Company to control or predict, could cause actual results to differ materially from those in its forward-looking statements. These factors include, but are not limited to: (i) the strength of the local, state, national and international economies and financial markets, including effects of inflationary pressures, the threat or implementation of tariffs, immigration enforcement and changes in foreign policy; (ii) effects on the U.S. economy resulting from actions taken by federal and local governments, including changes in local, state and federal laws and regulations, the threat or implementation of tariffs, immigration enforcement and changes in foreign policy; (iii) the economic impact of any future terrorist threats and attacks, widespread disease or pandemics, military conflicts, acts of war or threats thereof (including the Russian invasion of Ukraine ongoing conflicts in the Middle East, and other adverse external events that can increase levels of political and economic unpredictability, contribute to rising energy and commodity prices, affect global supply chains, increase the volatility of financial markets, and other matters beyond our control, and the response of the local, state and national governments to any such adverse external events; (iv) new or revised accounting policies and practices, as may be adopted by state and federal regulatory agencies, the FASB, the Securities and Exchange Commission (the “SEC”) or the PCAOB; (v) the imposition of tariffs or other governmental policies impacting the value of products produced by the Company’s commercial borrowers; (vi) increased competition in the financial services sector, including from non-bank competitors such as credit unions, private credit firms, fintech companies, and digital asset service providers and the inability to attract new customers; (vii) rapid technological changes implemented by us and our third-party vendors, including the development and implementation of tools incorporating artificial intelligence; (viii) unexpected results of acquisitions, including failure to realize the anticipated benefits of the acquisitions and the possibility that transaction and integration costs may be greater than anticipated; (ix) the loss of key executives and employees, talent shortages and employee turnover; (x) changes in consumer spending; (xi) unexpected outcomes and costs of existing or new litigation or other legal proceedings and regulatory actions involving the Company; (xii) the economic impact on the Company and its customers of climate change, natural disasters and exceptional weather occurrences such as tornadoes, floods and blizzards; (xiii) fluctuations in the value of securities held in our securities portfolio, including as a result of changes in interest rates; (xiv) credit risk and risks from concentrations (by type of borrower, geographic area, collateral and industry) within our loan portfolio and large loans to certain borrowers (including CRE loans); (xv) the overall health of the local and national real estate market; (xvi) the ability to maintain an adequate level of allowance for credit losses on loans; (xvii) the concentration of large deposits from certain clients who have balances above current FDIC insurance limits and who may withdraw deposits to diversify their exposure; (xviii) the ability to successfully manage liquidity risk, which may increase dependence on non-core funding sources such as brokered deposits, and may negatively impact the Company’s cost of funds; (xix) the level of non-performing assets on our balance sheet; (xx) interruptions involving our information technology and communications systems or third-party servicers; (xxi) the occurrence of fraudulent activity, breaches or failures of the Company’s or our third-party vendors’ information security controls or cybersecurity-related incidents, including as a result of sophisticated attacks using artificial intelligence and similar tools or as a result of insider fraud; (xxii) emerging issues related to the development and use of artificial intelligence that could give rise to legal or regulatory action, damage our reputation or otherwise materially harm our business or customers; (xxiii) changes in the interest rates and repayment rates of the Company’s assets; (xxiv) the effectiveness of the Company’s risk management framework; and (xxv) the ability of the Company to manage the risks associated with the foregoing. These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. Additional information concerning the Company and its business, including additional factors that could materially affect the Company’s financial results, is included in the Company’s filings with the SEC. Contact:Doug NeumannVP, Investor Relations(309) [email protected] _____________________ _____________________ _____________________ _____________________ _____________________ _____________________ _____________________ _____________________ _____________________

For the quarter ended June 2026, QCR Holdings (QCRH) reported revenue of $97.34 million, up 15.6% over the same period last year. EPS came in at $2.19, compared to $1.73 in the year-ago quarter. The reported revenue represents a surprise of +3.06% over the Zacks Consensus Estimate of $94.45 million. With the consensus EPS estimate being $1.90, the EPS surprise was +15.26%. While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health. Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance. Here is how QCR Holdings performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Efficiency Ratio (Non-GAAP): 54.6% compared to the 55.5% average estimate based on three analysts. Net interest margin (GAAP): 3.1% compared to the 3.6% average estimate based on three analysts. Average Balance - Total earning assets: $8.78 billion compared to the $8.45 billion average estimate based on two analysts. Net charge-offs as a % of average loans/leases: 0.1% compared to the 0.2% average estimate based on two analysts. Total noninterest income: $29.43 million versus $28.32 million estimated by three analysts on average. Gains on sales of residential real estate loans: $0.51 million compared to the $0.64 million average estimate based on three analysts. Capital markets revenue: $15.39 million versus the two-analyst average estimate of $15.65 million. Deposit service fees: $2.12 million versus the two-analyst average estimate of $1.99 million. Net Interest Income: $67.92 million compared to the $67.27 million average estimate based on two analysts. Net interest income - tax equivalent (non-GAAP): $77.73 million versus $75.86 million estimated by two analysts on average. View all Key Company Metrics for QCR Holdings here>>> Shares of QCR Holdings have returned +2% over the past month versus the Zacks S&P 500 composite's +0.3% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report QCR Holdings, Inc. (QCRH) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research