QCR Holdings, Inc. (QCRH)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$102.69-0.14%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · QCRH
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue to grow total loans at an annualized rate of 10% to 15%, excluding planned runoff and LIHTC loan offtake transactions.
Stated as a priority in 2 of last 2 quarters. Total loans grew $145.3 million (8% annualized) in 2026-Q1 and $216.9 million (12% annualized) in 2026-Q2, excluding runoff and LIHTC transactions. Management has consistently reaffirmed the 10% to 15% annualized gross loan growth guidance, and the trajectory is delivering within this range.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“We are reaffirming our gross loan growth guidance of 10% to 15% annualized for the final two quarters of 2026.”
“Accordingly, we are reaffirming our gross loan growth guidance of 10% to 15% annualized for the final three quarters of 2026.”
Grow capital markets revenue, particularly from LIHTC loan production, targeting $60 million to $70 million over the next four quarters.
Stated as a priority in 2 of last 2 quarters. Capital markets revenue increased from $10.7 million in 2026-Q1 to $16.7 million in 2026-Q2, a 69% year-over-year increase. Management has reaffirmed the $60M-$70M guidance range for the next four quarters, and recent revenue growth supports progress toward this target.
“We are reaffirming our guidance of $60 million to $70 million of capital markets revenue over the next four quarters.”
“We are increasing the lower end of our capital markets revenue guidance by $5 million, establishing a range of $60 million to $70 million over the next four quarters.”
Sustain and increase quarterly cash dividends, recently raising from $0.10 to $0.15 per share reflecting strong financial performance.
Stated as a priority in 2 recent disclosures. The Company declared a $0.10 per share dividend in May 2026 and increased it to $0.15 per share in August 2026, reflecting strong earnings and capital management. This trajectory shows delivery on dividend growth commitments.
Manage noninterest expense growth to remain below 5% annually, improving operating leverage and efficiency.
Stated as a priority in 2 of last 2 quarters. Noninterest expense decreased 17% in 2026-Q1 to $52.1 million and increased slightly to $53.2 million in 2026-Q2, remaining below guided ranges. Management's 9/6/5 model targets expense growth under 5% annually, and recent results show disciplined expense management with improving operating leverage.
“This outlook reflects our approach to expense management under our 9/6/5 strategic model, which targets noninterest expense growth of less than 5% annually.”
“Our noninterest expense decreased 17% during the quarter, reflecting the flexibility of our expense structure.”
Continue growing capital markets revenue with a guidance range of $60M to $70M over the next four quarters.
Over the trailing year it converted 2.48x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates (low R² over the window).
14 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.