QCR Holdings, Inc. (QCRH)

NASDAQFinancialsBanks - RegionalSnapshot 2026-10-23

$103.37+0.32%

Close 2026-10-23 · 1-day change

Investment OutlookAs of Oct 24, 2026

What could strengthen or challenge QCR Holdings, Inc.’s outlook?

The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.

Higher potential upsideImproving expectations

Next-FY EPS estimate change · 30 days

+1.3%

+10% or more+5%0%−5%−10% or less

8.96 → 9.07 EPS · FY ending Dec 31, 2027 · 5 analysts

Higher risk of downsideWeakening expectations

One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.

How this is measured

Change in the same fiscal period’s mean EPS estimate from Sep 24, 2026 to Oct 24, 2026: (new ÷ prior − 1). Contributor count changed from 5 to 5; this is not the number of analysts revising. Source: FMP consensus snapshots. The ±10% axis is a display range.

Measure / period	Management expectations	Analyst expectations
Quarter ending 2026-12-30
Revenue	—	112.91M
EPS	—	2.258
Annual ending 2026-12-31
Revenue	—	428.31M
EPS	—	8.595
Annual ending 2027-12-31
Revenue	—	451.4M
EPS	—	9.075

Management figures unavailable.

What the Thesis Depends On

Three published thesis conditions, with dated milestones shown separately.

Key Factor	Why It Matters	Current Status	Break Condition	Latest Evidence
Capital markets revenue reaches at least $60 million by end of 2026	QCR Holdings aims to grow capital markets revenue to $70 million by end of 2026.	Intact	capital markets revenue falls below $60 million by end of 2026	Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Source date unavailableLast status assessment Oct 24, 2026Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.
Dividend per share maintained at $0.10 or higher in 2026	It has increased its dividend per share from $0.06 to $0.10, showing strong shareholder returns.	Intact	dividend per share falls below $0.10 in 2026	Dividend per share: $0.10 per share FY2026-Q2; GAAP. Published target: >=0.10 USD_PER_SHARE. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Source published Aug 7, 20260.1 USD/share · source valueSource reportLast status assessment Oct 24, 2026 Measurement source consolidated · GAAP FY2026-Q2 · Period ending Jun 30, 2026 Source: company_financial_results. Reference: dcb06d90-40f9-4215-a5cd-ded58cdb1957. Source status: eligible. Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.
Gross loan growth of 10% to 15% annualized for last three quarters of 2026	The company targets 10% to 15% annual loan growth for the last three quarters of 2026.	Intact	loan growth falls below 10% annualized in last three quarters of 2026	Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Source date unavailableLast status assessment Oct 24, 2026Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.

Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.

Incoming Evidence

Compare these dated observations with the operating requirements above

Expectations trend

Same fiscal period

FY2027 · fiscal year ending 2027-12-31 · fmp

FY2027 EPS$9.07

$8.69 → $9.07 · observed estimates

FY2027 revenue: comparable history unavailable.

Exact estimates & source dates

One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.

FY2027 estimate observations · fmp
Snapshot	EPS	Revenue	EPS / revenue analysts
2026-07-24	$8.69	Unavailable	5 / 3
2026-07-25	$8.74	Unavailable	5 / 3
2026-07-26	$8.74	Unavailable	5 / 3
2026-07-27	Unavailable	Unavailable	4 / 2
2026-07-28	$8.74	Unavailable	5 / 3
2026-07-29	$8.95	Unavailable	5 / 3
2026-07-30	Unavailable	Unavailable	4 / 2
2026-07-31	$8.95	Unavailable	5 / 3
2026-08-01	Unavailable	Unavailable	4 / 2
2026-08-02	$8.95	Unavailable	5 / 3
2026-08-03	$8.95	Unavailable	5 / 3
2026-08-04	$8.95	Unavailable	5 / 3
2026-08-05	Unavailable	Unavailable	4 / 2
2026-08-06	Unavailable	Unavailable	4 / 2
2026-08-07	Unavailable	Unavailable	4 / 2
2026-08-08	$8.95	Unavailable	5 / 3
2026-08-09	$8.95	Unavailable	5 / 3
2026-08-10	$8.95	Unavailable	5 / 3
2026-08-12	Unavailable	Unavailable	4 / 2
2026-08-13	$8.95	Unavailable	5 / 3
2026-08-14	Unavailable	Unavailable	4 / 2
2026-08-15	Unavailable	Unavailable	4 / 2
2026-08-16	Unavailable	Unavailable	4 / 2
2026-08-17	Unavailable	Unavailable	4 / 2
2026-08-18	Unavailable	Unavailable	4 / 2
2026-08-19	Unavailable	Unavailable	4 / 2
2026-08-20	Unavailable	Unavailable	4 / 2
2026-08-21	Unavailable	Unavailable	4 / 2
2026-08-22	Unavailable	Unavailable	4 / 2
2026-08-23	Unavailable	Unavailable	4 / 2
2026-08-24	Unavailable	Unavailable	4 / 2
2026-08-25	Unavailable	Unavailable	4 / 2
2026-08-26	Unavailable	Unavailable	4 / 2
2026-08-27	Unavailable	Unavailable	4 / 2
2026-08-28	Unavailable	Unavailable	4 / 2
2026-08-29	Unavailable	Unavailable	4 / 2
2026-08-30	Unavailable	Unavailable	4 / 2
2026-08-31	Unavailable	Unavailable	4 / 2
2026-09-01	Unavailable	Unavailable	4 / 2
2026-09-02	Unavailable	Unavailable	4 / 2
2026-09-03	Unavailable	Unavailable	4 / 2
2026-09-04	Unavailable	Unavailable	4 / 2
2026-09-05	Unavailable	Unavailable	4 / 2
2026-09-06	Unavailable	Unavailable	4 / 2
2026-09-07	Unavailable	Unavailable	4 / 2
2026-09-08	Unavailable	Unavailable	4 / 2
2026-09-09	Unavailable	Unavailable	4 / 2
2026-09-10	Unavailable	Unavailable	4 / 2
2026-09-11	Unavailable	Unavailable	4 / 2
2026-09-12	Unavailable	Unavailable	4 / 2
2026-09-13	Unavailable	Unavailable	4 / 2
2026-09-14	Unavailable	Unavailable	4 / 2
2026-09-15	Unavailable	Unavailable	4 / 2
2026-09-16	Unavailable	Unavailable	4 / 2
2026-09-17	Unavailable	Unavailable	4 / 2
2026-09-18	Unavailable	Unavailable	4 / 2
2026-09-19	Unavailable	Unavailable	4 / 2
2026-09-20	$8.96	Unavailable	5 / 2
2026-09-21	$8.96	Unavailable	5 / 2
2026-09-22	$8.96	Unavailable	5 / 2
2026-09-23	$8.96	Unavailable	5 / 2
2026-09-24	$8.96	Unavailable	5 / 2
2026-09-25	$8.96	Unavailable	5 / 2
2026-09-26	$8.96	Unavailable	5 / 2
2026-09-27	$8.96	Unavailable	5 / 2
2026-09-28	$8.96	Unavailable	5 / 2
2026-09-29	$8.96	Unavailable	5 / 2
2026-09-30	$8.96	Unavailable	5 / 2
2026-10-01	$8.96	Unavailable	5 / 2
2026-10-02	$8.96	Unavailable	5 / 2
2026-10-03	$8.96	Unavailable	5 / 2
2026-10-04	$8.96	Unavailable	5 / 2
2026-10-05	$8.96	Unavailable	5 / 2
2026-10-06	$8.96	Unavailable	5 / 2
2026-10-07	$8.96	Unavailable	5 / 2
2026-10-08	$8.96	Unavailable	5 / 2
2026-10-09	$8.96	Unavailable	5 / 2
2026-10-10	$8.96	Unavailable	5 / 2
2026-10-11	$8.96	Unavailable	5 / 2
2026-10-12	$8.96	Unavailable	5 / 2
2026-10-13	$8.96	Unavailable	5 / 2
2026-10-14	$8.96	Unavailable	5 / 3
2026-10-15	$8.96	Unavailable	5 / 2
2026-10-16	$8.96	Unavailable	5 / 3
2026-10-17	$8.96	Unavailable	5 / 3
2026-10-18	$8.96	Unavailable	5 / 3
2026-10-19	$8.96	Unavailable	5 / 3
2026-10-20	$8.96	Unavailable	5 / 3
2026-10-21	$8.96	Unavailable	5 / 3
2026-10-22	$9.03	Unavailable	5 / 3
2026-10-23	$9.07	Unavailable	5 / 3
2026-10-24	$9.07	Unavailable	5 / 2

Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.

Compare required revenue and earnings

Analyst view

Monthly observations

Buy / Strong BuyHoldSell / Strong Sell

Exact monthly counts

Monthly rating snapshots · fmp. Missing snapshots are not zero.
Date	Buy*	Hold
2026-05-01	4	1
2026-06-01	4	1
2026-07-01	4	1
2026-08-01	4	1
2026-09-01	4	2
2026-10-01	4	2

*Buy includes Strong Buy; Sell includes Strong Sell. Monthly counts describe the analyst mix, not the firms behind each recent action.

Latest: 4 Buy / Strong Buy · 2 Hold · 0 Sell / Strong Sell

0 upgrades0 downgrades0 maintains

Recent actions · Sep 25–Oct 24 · 0 recorded

Price-target changes

30 days

○ Previous · ● Latest · common dollar scale

Raymond JamesOct 1 · prior Apr 27

$99.00 → $110.00+11.1%

$0$60.50$121.00

1 raises · 0 cuts · 0 unchanged · 0 without a comparable prior

How this is measured

Sep 25, 2026–Oct 24, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.

Outlook in Brief

The evidence, the remaining questions, and what comes next

What's improving

No recovery evidence is reported in the available driver assessments.

Still unresolved / key risks

Capital markets revenue reaches at least $60 million by end of 2026Direct metric needs a verified mapping
Dividend per share maintained at $0.10 or higher in 2026Dividend per share: $0.10 per share
Gross loan growth of 10% to 15% annualized for last three quarters of 2026Direct metric needs a verified mapping

Next proof point

Next earnings date unavailable

Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.

Review earnings

Bottom line

3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.

The dated weekly assessment and its assumptions are available in Read detailed Outlook.

Historical risk context

Observed price history; separate from operating scenarios

Price sensitivity

0.8%Typical daily move · historical

Downside history

-15.3%Maximum drawdown · trailing year

Read detailed Outlook Company context, assumptions & risks

QCR Holdings, Inc. outlook in detail

The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.

Updated Oct 24, 2026

What kind of bet this is

This is a regional financial business with a multi-year view that depends on steady lending, capital-markets activity, and expense discipline. The thesis is intact, with recent results holding in the top half of its industry, but management execution and the sector backdrop remain important.

What's priced into QCR Holdings, Inc.

Valuation is tagged as stretched and is 1.22 times the peer level, while the expectations gap is modestly positive at 0.12. Valuation has fallen by 14.6 points recently, but the evidence does not show that expectations are low; fragility is rated low.

What the fundamentals likely do

Near term, loan production is within management’s stated range, capital-markets revenue increased from the prior quarter, and year-to-date revenue growth has exceeded expense growth. Recent earnings beats support the thesis, though quarterly expenses rose and the evidence flags a history of a deep miss and recent peer misses. Over the multi-year view, results depend on sustaining this execution amid a sector backdrop rated as a headwind.

What QCR Holdings, Inc. hinges on

The next guidance update is a key near-term swing factor, since a cut would be a meaningful negative. Rate cuts from the current 3.88% level could weigh on financial firms, while continued earnings strength and higher guidance from sector bellwethers could support sector momentum. Management’s ability to deliver its loan-growth range and capital-markets revenue plans also matters.