QCR Holdings Reports Record 2025 Net Income and EPS, Announces New 10% Share Repurchase Program
QCRH sits 42% above its 52-week low of $60.83.
Summary
QCR Holdings Inc. reported record net income and diluted EPS for 2025, driven by robust loan and deposit growth, and announced a new share repurchase program for up to 10% of outstanding shares.
Key Events · Earnings and Guidance · QCRH
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Record Financial Performance
QCR Holdings reported record annual net income of $127.2 million and diluted EPS of $7.49 for the year ended December 31, 2025, an increase from $113.9 million and $6.71, respectively, in 2024.
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Strong Loan and Deposit Growth
The company achieved 11.7% organic loan growth (excluding LIHTC construction loan sale and m2 run-off) and 7% core deposit growth in 2025, contributing to a 10.1% increase in net interest income.
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New Share Repurchase Program Authorized
The board of directors authorized a new share repurchase program for up to 1,700,000 shares of common stock, representing approximately 10% of outstanding shares as of September 30, 2025. The company repurchased 149,456 shares under this program in 2025.
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Improved Asset Quality Metrics
Nonperforming assets decreased by $2.2 million to $43.3 million, and the allowance for credit losses (ACL) coverage of nonperforming loans (NPLs) improved to 213.08% from 202.57%.
Analysis · QCRH · Finance
QCR Holdings Inc. delivered strong financial performance in 2025, achieving record net income and diluted earnings per share. The company demonstrated robust organic loan growth of 11.7% and a 7% increase in core deposits, contributing to a 10.1% rise in net interest income. Asset quality showed improvement with a decrease in nonperforming assets and an increased allowance for credit losses coverage of NPLs, despite a rise in net charge-offs. The board's authorization of a new share repurchase program for up to 10% of outstanding common stock signals confidence in the company's valuation and commitment to shareholder returns. While capital markets revenue saw a slight decrease due to macroeconomic uncertainty, the company's wealth management segment experienced significant growth in assets under management. This comprehensive annual report highlights a healthy and growing financial institution.
At the time of this filing, QCRH was trading at $86.50 on NASDAQ in the Finance sector, with a market capitalization of approximately $1.4B. The 52-week trading range was $60.83 to $96.00. This filing was assessed with positive market sentiment and an importance score of 8 out of 10.