QCR Holdings (QCRH) reported $91.83 million in income for the quarter ended December 2024, representing a year-over-year decline of 11.3%. EPS of $1.93 for a similar interval compares to $1.97 a 12 months in the past.
The reported income compares to the Zacks Consensus Estimate of $89.7 million, representing a shock of +2.37%. The corporate delivered an EPS shock of +11.56%, with the consensus EPS estimate being $1.73.
Whereas traders intently watch year-over-year adjustments in headline numbers — income and earnings — and the way they examine to Wall Avenue expectations to find out their subsequent plan of action, some key metrics at all times present a greater perception into an organization’s underlying efficiency.
Since these metrics play a vital position in driving the top- and bottom-line numbers, evaluating them with the year-ago numbers and what analysts estimated about them helps traders higher undertaking a inventory’s value efficiency.
Right here is how QCR Holdings carried out within the simply reported quarter by way of the metrics most generally monitored and projected by Wall Avenue analysts:
- Effectivity Ratio (Non-GAAP): 58.3% in comparison with the 51.8% common estimate based mostly on three analysts.
- Internet curiosity margin (GAAP): 3% versus 3.4% estimated by three analysts on common.
- Common Steadiness – Complete incomes belongings: $8.24 billion versus $8.27 billion estimated by two analysts on common.
- Internet charge-offs as a % of common loans/leases: 0.1% versus 0.4% estimated by two analysts on common.
- Complete noninterest revenue: $30.63 million versus the three-analyst common estimate of $28.73 million.
- Internet Curiosity Revenue: $61.20 million in comparison with the $61.14 million common estimate based mostly on two analysts.
- Capital markets income: $20.55 million versus the two-analyst common estimate of $15.50 million.
- Deposit service charges: $2.23 million versus the two-analyst common estimate of $2.26 million.
- Features on gross sales of residential actual property loans: $0.73 million in comparison with the $0.45 million common estimate based mostly on two analysts.
- Internet curiosity revenue – tax equal (non-GAAP): $70.90 million in comparison with the $71.34 million common estimate based mostly on two analysts.
View all Key Company Metrics for QCR Holdings here>>>
Shares of QCR Holdings have returned -0.4% over the previous month versus the Zacks S&P 500 composite’s +2.1% change. The inventory at present has a Zacks Rank #3 (Maintain), indicating that it might carry out according to the broader market within the close to time period.
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QCR Holdings, Inc. (QCRH) : Free Stock Analysis Report
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