Sep 2026 (Q3 FY26) — Oct 21, 2026
QCR Holdings, Inc. Q3 FY26 — Record Earnings Per Share and Strong Loan Growth
Read the full callQCR Holdings earnings: last reported Wed, 21 Oct 2026, for the quarter ended Sep 2026.
Reported
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | Quarterly, as filed | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 36.3 | +24.9% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Price
1Y: $71.49 on 22 Oct 2025 → $103.37. High $106.59 (13 Aug 2026), low $71.49 (22 Oct 2025).
Overview
Call summaries
QCR Holdings, Inc. Q3 FY26 — Record Earnings Per Share and Strong Loan Growth
Read the full callQCR Holdings Q2 FY26 — Record EPS and Strong Capital Markets Performance
Read the full callEvery analysed call
Financials
Net profit, year on year: +25% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 153 | — | — | — | — | — | — | — |
| Profit before tax | 30 | 33 | 26 | 31 | 41 | 39 | 36 | 39 |
| Tax rate | 6.9% | 8.9% | 1.2% | 5.1% | 9.5% | 7.8% | 6.8% | 8.2% |
| Net profit | 28 | 30 | 26 | 29 | 37 | 36 | 33 | 36 |
| EPS ($ per share) | 1.65 | — | 1.53 | 1.71 | 2.17 | — | 2 | 2.20 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 16 | 16 | 16 | 16 | 17 | 17 | 17 | 17 |
| Reserves | 192 | 246 | 301 | 386 | 450 | 555 | 665 | 773 |
| Total liabilities | 4,477 | 4,374 | 5,111 | 5,419 | 7,176 | 7,652 | 8,029 | 8,386 |
| Fixed assets | 76 | 74 | 73 | 79 | 118 | 123 | 159 | 215 |
| Total assets | 4,950 | 4,909 | 5,705 | 6,096 | 7,949 | 8,539 | 9,026 | 9,498 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 64 | 76 | 112 | 88 | 119 | 376 | 445 | 422 |
| Cash from investing | -334 | -309 | -704 | -412 | -635 | -749 | -845 | -855 |
| Cash from financing | 279 | 223 | 577 | 300 | 538 | 410 | 395 | 418 |
| Net cash flow | 10 | -9 | -15 | -24 | 22 | 37 | -5 | -15 |
| Capital expenditure | -11 | -12 | -4 | -14 | -33 | -15 | -44 | -67 |
| Free cash flow | 53 | 64 | 108 | 74 | 85 | 361 | 400 | 354 |
| KPI | Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|
| Efficiency ratio | 54.6%Our results this quarter drove a 310 basis point improvement in our efficiency ratio to 54.6%.Source: earnings call transcript | 55%Our efficiency ratio remained solid at 55% for the third quarter.Source: earnings call transcript | +0.4 pt |
| Common equity tier 1 ratio (CET1) | 10.68%common equity tier one ratio increased 14 basis points to 10.68%.Source: earnings call transcript | 11.01%The common equity Tier 1 ratio increased 33 basis points to 11.01% and the total risk-based capital ratio increased 37 basis points to 14.5%.Source: earnings call transcript | +0.3 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
46 filings between Jan 1, 2026 and Aug 1, 2026.
Purchases
$14.3K
2 purchases by 1 insider
Sales
$917.6K
4 sales by 3 insiders
| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| GIPPLE TODD A | — | $772.4K | Jan 30, 2026 |
| Klein James D. | — | $73.9K | Apr 30, 2026 |
| Ekizian Laura L | — | $71.2K | Jun 9, 2026 |
| Reasner Amy L | $14.3K | — | Jun 2, 2026 |
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Aug 1, 2026 | Winter Reba K EVP, COO | Option exercise | 310 | $18.2K |
| Aug 1, 2026 | Winter Reba K EVP, COO | Option exercise | 302 | $21.1K |
| Aug 1, 2026 | Winter Reba K EVP, COO | Option exercise | 350 | $18.1K |
| Aug 1, 2026 | Winter Reba K EVP, COO | Option exercise | 246 | $18.1K |
| Jun 9, 2026 | Ekizian Laura L President & CEO, QCBT | Option exercise | 750 | $33.8K |
| Jun 9, 2026 | Ekizian Laura L President & CEO, QCBT | Sale | 750 | $71.2K |
| Jun 2, 2026 | Reasner Amy L Director | Purchase | 60 | $5.4K |
| Jun 2, 2026 | Klein James D. President, CRBT | Option exercise | 94 | $6.3K |
| Jun 1, 2026 | Lee Nicole A EVP, Chief HR Officer | Option exercise | 234 | $9.1K |
| Apr 30, 2026 | Klein James D. President, CRBT | Sale | 310 | $28.2K |
| Apr 23, 2026 | Reasner Amy L Director | Purchase | 100 | $8.8K |
| Mar 12, 2026 | Klein James D. President, CRBT | Sale | 554 | $45.7K |
| Mar 3, 2026 | Lee Nicole A EVP, Chief HR Officer | Option exercise | 146 | $11.0K |
| Mar 3, 2026 | McNew Monte C President & CEO, GBank | Option exercise | 128 | $9.6K |
| Mar 3, 2026 | Ekizian Laura L President & CEO, QCBT | Option exercise | 68 | $5.1K |
| Mar 3, 2026 | Gibson Kurt A CEO, CSB | Option exercise | 114 | $8.6K |
| Mar 3, 2026 | GIPPLE TODD A President & CFO | Option exercise | 0 | $0 |
| Mar 3, 2026 | Klein James D. President, CRBT | Option exercise | 116 | $8.7K |
| Mar 2, 2026 | Field James Matthew Director | Award | 387 | $34.1K |
| Mar 2, 2026 | Reasner Amy L Director | Award | 387 | $34.1K |
| Mar 2, 2026 | BATTEN JAMES R Director | Award | 387 | $34.1K |
| Mar 2, 2026 | BESONG JOHN PAUL E Director | Award | 341 | $30.0K |
| Mar 2, 2026 | Cobb Brent R Director | Award | 387 | $34.1K |
| Mar 2, 2026 | Griesemer John F Director | Award | 387 | $34.1K |
| Mar 2, 2026 | Jacobs Elizabeth S Director | Award | 387 | $34.1K |
| Mar 2, 2026 | KILMER MARK C Director | Award | 387 | $34.1K |
| Mar 2, 2026 | Anderson Nick W SVP, Chief Accounting Officer | Option exercise | 89 | $7.8K |
| Mar 2, 2026 | Ziegler Marie Z. Director | Award | 432 | $38.0K |
| Mar 2, 2026 | Bates Mary Kay Director | Award | 341 | $30.0K |
| Mar 1, 2026 | Gibson Kurt A CEO, CSB | Option exercise | 162 | $8.7K |
| Mar 1, 2026 | Gibson Kurt A CEO, CSB | Option exercise | 149 | $8.5K |
| Mar 1, 2026 | Gibson Kurt A CEO, CSB | Option exercise | 162 | $8.6K |
| Mar 1, 2026 | Klein James D. President, CRBT | Option exercise | 152 | $8.2K |
| Mar 1, 2026 | Klein James D. President, CRBT | Option exercise | 153 | $8.2K |
| Mar 1, 2026 | Klein James D. President, CRBT | Option exercise | 133 | $7.6K |
| Mar 1, 2026 | Lee Nicole A EVP, Chief HR Officer | Option exercise | 52 | $3.0K |
| Mar 1, 2026 | McNew Monte C President & CEO, GBank | Option exercise | 168 | $9.1K |
| Mar 1, 2026 | McNew Monte C President & CEO, GBank | Option exercise | 148 | $7.9K |
| Mar 1, 2026 | McNew Monte C President & CEO, GBank | Option exercise | 137 | $7.8K |
| Mar 1, 2026 | GIPPLE TODD A President & CFO | Option exercise | 0 | $0 |
| Mar 1, 2026 | GIPPLE TODD A President & CFO | Option exercise | 0 | $0 |
| Mar 1, 2026 | GIPPLE TODD A President & CFO | Option exercise | 0 | $0 |
| Mar 1, 2026 | Ekizian Laura L President & CEO, QCBT | Option exercise | 73 | $3.9K |
| Jan 30, 2026 | GIPPLE TODD A President & CFO | Option exercise | 8,590 | $194.5K |
| Jan 30, 2026 | GIPPLE TODD A President & CFO | Sale | 8,590 | $772.4K |
| Jan 1, 2026 | Anderson Nick W SVP, Chief Accounting Officer | Option exercise | 59 | $3.9K |
| Sep 5, 2025 | Ekizian Laura L President & CEO, QCBT | Sale | 333 | $26.6K |
| Aug 26, 2025 | Ekizian Laura L President & CEO, QCBT | Option exercise | 1,000 | $22.6K |
| Aug 26, 2025 | Ekizian Laura L President & CEO, QCBT | Sale | 1,000 | $80.0K |
| Jun 5, 2025 | Griesemer John F Director | Award | 29 | $1.9K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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