QCR Holdings, Inc. ( QCRH ) Q3 2026 Earnings Call October 21, 2026 11:00 AM EDT Company Participants Todd Gipple - President, CEO & Director Nick Anderson - Senior VP & Chief Financial Officer Conference Call Participants Jeff Rulis - D.A. Davidson & Co., Research Division Damon Del Monte - Keefe, Bruyette, & Woods, Inc., Research Division Nathan Race - Piper Sandler & Co., Research Division Brandon Rud - Stephens Inc., Research Division Nicholas Holowko - Raymond James & Associates, Inc., Research Division Brian Martin - Brean Capital, LLC, Research Division Presentation Operator Good morning, and thank you for joining us today for QCR Holdings, Inc.'s Third Quarter 2026 Earnings Conference Call.
QCR NASDAQ: QCRH reported record third-quarter earnings per share as margin expansion, loan growth, capital markets revenue and improving asset quality supported results. Management also reaffirmed several fourth-quarter targets, including loan growth and capital markets revenue guidance, while outlining plans for additional low-income housing tax credit, or LIHTC, loan sales in early 2027.
Although the revenue and EPS for QCR Holdings (QCRH) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
| Banks Industry | Financials Sector | Todd A. Gipple CEO | XSTU Exchange | US74727A1043 ISIN |
| US Country | 1,003 Employees | 18 Sep 2026 Last Dividend | 1 Jun 2004 Last Split | 6 Oct 1993 IPO Date |
QCR Holdings, Inc., a multifaceted bank holding entity, extends a broad spectrum of banking and financial management services tailored for both individual and corporate needs. Reflecting a commitment to growth and financial integrity since its inception in 1993, the company has carved a niche within the banking industry, especially notable within its headquartered region of Moline, Illinois. Through its operation as a multi-bank holding company, QCR Holdings represents a significant force in commercial and consumer banking, highlighting its role in trust and asset management services that cater to a diverse clientele, ranging from small to mid-sized businesses, partnerships, individuals, and even government agencies. The establishment and sustainment of its operations showcase a keen emphasis on understanding and responding to the dynamic needs of its customers, positioning QCR Holdings as a pivotal player in the banking sector.
QCR Holdings offers an array of deposit products which include noninterest-bearing demand deposits, fostering ease and flexibility for immediate financial transactions. To cater to a spectrum of customer needs, it also provides interest-bearing demand deposits, time deposits, and brokered deposits, each tailored to optimize returns on investments based on client-specific preferences and financial goals.
At the core of its financial services, the company provides comprehensive commercial and retail lending/leasing options. This encompasses business loans, inclusive of lines of credit designed for working capital and operational needs, along with term loans for the acquisition of facilities and equipment. The lending services extend to commercial and residential real estate loans, thus facilitating significant capital investments and real estate transactions for its customers.
A broad spectrum of installment and other consumer loans are available, addressing personal and household financial needs. These include home improvement loans, home equity loans, motor vehicle loans, and signature loans, alongside small personal credit lines, each structured to support various personal financial undertakings of its clientele.
Beyond traditional banking products, QCR Holdings extends various investment services aimed at corporations, partnerships, and individuals. These services are devised to manage assets effectively, ensuring the growth and security of investments in a constantly evolving economic landscape.
The company's services extend into trust and asset management, where it engages in the administration of assets on behalf of its customers. This includes practices such as the issuance of trust preferred securities, and leasing of machinery and equipment under direct financing lease contracts. The aim is to provide solutions that are geared towards optimizing asset value and ensuring financial security for its customers over the long term.