QCR Holdings, Inc., operating as a multi-bank holding company, delivers a wide array of financial services. These offerings include commercial and consumer ...
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Operator: Good morning, and thank you for joining us today for QCR Holdings Inc.'s second quarter 2026 earnings conference call. Following the close of the market yesterday, the company issued its earnings press release for the second quarter. If anyone joining us today has not yet received a copy, it is available on the company's website at www.qcrh.com. With us today for management are Todd Gipple, President and CEO, and Nick Anderson, CFO. Management will provide a summary of the financial results, and then we will open the call to questions from analysts. Before we begin, I would like to remind everyone that some of the information management will be providing today falls under the guidelines of forward-looking statements as defined by the Securities and Exchange Commission. As part of these guidelines, any statements made during this call concerning the company's hopes, beliefs, expectations, and predictions of the future are forward-looking statements, and actual results could differ materially from those projected. Additional information on these factors is included in the company's SEC filings, which are available on the company's website. Additionally, management may refer to Non-GAAP measures, which are intended to supplement, but not substitute for, the most directly comparable GAAP measures. The press release available on the website contains the financial and other quantitative information to be discussed today, as well as the reconciliation of the GAAP to Non-GAAP measures. As a reminder, this conference call is being recorded and will be available for replay through July 30th, 2026, starting this afternoon, approximately one hour after the completion of this call. It will also be accessible on the company's website. I'd like to turn the floor over to Mr. Todd Gipple at QCR Holdings. Todd Gipple: Good morning, everyone. Thank you for joining our call today. I'd like to start with the highlights of our second quarter performance and some thoughts about our business, and then Nick will walk us through the financial results in more detail. We are pleased to report strong second quarter net income and record quarterly GAAP earnings per share, reflecting the continued strength of our diversified business model and the consistent execution of our strategy. Adjusted earnings per share was also near record levels, exceeded only by the fourth quarter of 2025. Performance in the quarter was supported by robust loan production, a rebound in capital markets revenue, higher net interest income, continued strong momentum in wealth management, and disciplined expense management. We also continued to strengthen our excellent asset quality, generated meaningful growth in tangible book value per share, and returned capital to shareholders through opportunistic share repurchases. Return on average assets was a strong 1.51%, and earnings per share increased 28% from the prior year quarter, reinforcing the earnings power, durability, and scalability of …
| Métrica | Último | YoY significa Year-over-Year (interanual). Compara el último valor anual con el valor anual anterior para mostrar la fortaleza de la tendencia a largo plazo. |
|---|
| Nombre | Cargo | Remuneración | Género | Año de nacimiento | Estado |
|---|---|---|---|---|---|
Todd A. Gipple | President, Chief Executive Officer & Director | USD 1,044,165 | Male | 1964 | Active |
Reba K. Winter | Executive Vice President & Chief Operating Officer |
| USD 585,250 |
| Female |
| 1962 |
| Active |
Laura L. Ekizian | President & CEO of Quad City Bank and Trust Company | USD 507,946 | Female | 1971 | Active |
Monte C. McNew | Chief Lending Officer | USD 473,196 | Male | 1973 | Active |
Nick W. Anderson | Senior VP & Chief Financial Officer | USD 321,074 | Male | 1976 | Active |
Nicole A. Lee | Executive Vice President & Chief Human Resource Officer | — | Female | 1976 | Active |
Doug Neumann | Vice President of Investor Relations | — | — | — | Active |
Deborah Neyens | General Counsel & Corporate Secretary | — | Male | — | Active |
Cari J. Henson | Vice President & Corporate Communications Manager | — | Female | — | Active |
Brittany N. Whitfield | Chief Accounting Officer | — | Female | 1987 | Active |
Tonia F. Taylor | Senior Vice President & Director of Compliance | — | Female | — | Active |
BPA est. $2.10 · Ingresos $108.97M · 4 analistas
$0.32 por acción
BPA est. $2.10
| TrimestralQoQ significa Quarter-over-Quarter (intertrimestral). Compara el último trimestre con el trimestre inmediatamente anterior para mostrar cambios de impulso a corto plazo. |
|---|
| IngresosEl dinero total que entró por la puerta principal al vender cosas, antes de pagar una sola factura. Piensa en esto como el gran total de cada compra con tarjeta de los clientes. (YoY compara el rendimiento de este año con el del año pasado, mientras que QoQ compara los tres meses actuales con los tres anteriores). | $596.7M | +1.5% | +5.2% |
| Beneficio netoEl resultado final absoluto. Si la empresa pagara a cada proveedor, empleado, banquero y recaudador de impuestos, este es el dinero real que queda en su bolsillo al final del día. | $127.2M | +11.7% | +8.6% |
| Margen brutoEl margen básico. Si venden unas zapatillas de 100 dólares, este porcentaje indica cuánto de ese precio es ganancia justo después de pagar el caucho y los cordones, pero antes de pagar el alquiler de la tienda o los anuncios de televisión. | +57.7% | +5.8% | +0.2% |
| Margen operativoLa puntuación de eficiencia del 'trabajo diario'. De cada dólar que gasta un cliente, esto muestra cuántos centavos mantiene la empresa después de fabricar el producto Y pagar todos los gastos generales corporativos (como salarios, marketing y mantener las luces encendidas). | +22.8% | +9.2% | +7.7% |
| Margen netoEl porcentaje final que se lleva a casa. Cuando se eliminan todos los costos concebibles, impuestos y pagos de intereses, este es el número exacto de centavos que la empresa realmente se queda de cada dólar en ventas. | +21.3% | +10.0% | +3.2% |
| Flujo de caja libreEl santo grial del efectivo corporativo. Es el dinero físico gastable que queda después de que el negocio paga sus operaciones diarias Y compra las actualizaciones grandes y costosas (como nuevas fábricas o servidores) que necesita para sobrevivir. Este es el dinero 'libre' que pueden usar para pagar dividendos o recomprar acciones. | $354.1M | -11.5% | +5911.7% |
| Margen FCFLa tasa definitiva de conversión de efectivo. Muestra qué tan buena es la empresa para convertir ventas regulares directamente en efectivo frío, duro y gastable. Un porcentaje alto significa que el negocio es una auténtica máquina de imprimir dinero. | +59.3% | -12.8% | +5624.8% |
| Deuda/PatrimonioEl indicador de riesgo financiero. Compara cuánto del imperio de la empresa se construyó con dinero prestado (préstamos) frente al dinero propio de los propietarios (accionistas). Un número alto significa que están muy apalancados y juegan un juego más arriesgado; un número bajo significa que juegan a lo seguro. | 55.5% | -2.4% | -6.1% |
| Ratio corrienteLa verificación de supervivencia de 12 meses. Simplemente compara el efectivo que tienen ahora mismo (más cosas que pueden convertirse rápidamente en efectivo) con las facturas inmediatas que absolutamente deben pagar este año. Una puntuación superior a 1 significa que tienen suficiente en la billetera para cubrir las próximas facturas sin entrar en pánico. | 28.87x | +38166.9% | +164.7% |
| Activos totalesEl tamaño absoluto del imperio de la empresa. Agrupa absolutamente todo lo valioso que poseen, desde el efectivo en la caja registradora y el inventario en el almacén, hasta las patentes de software en la bóveda y las fábricas en el suelo. | $9.6B | +6.1% | -1.0% |
| Métrica | Anual (real vs estimado) | Sorpresa anual | Trimestral (real vs estimado) | Sorpresa trimestral |
|---|---|---|---|---|
| EPS Surprise | 7.52 vs 7.41 | +1.5% | 2.20 vs 1.91 | +15.4% |
| Revenue Surprise | $596.7M vs $401.5M | +48.6% | $150.5M vs $104.1M | +44.5% |
| Fecha | Ejecutivo | Cargo | Valor | Lado | Acciones | Precio |
|---|---|---|---|---|---|---|
| Aug 3, 2026 | Winter Reba K | officer: EVP, COO | Performance Shares | A | 1,160 | $104.40 |
| Aug 1, 2026 | Winter Reba K | officer: EVP, COO | Common Stock | A | 246 | $73.49 |
| Aug 1, 2026 | Winter Reba K | officer: EVP, COO | Common Stock | A | 350 | $51.81 |
| Aug 1, 2026 | Winter Reba K | officer: EVP, COO | Common Stock | A | 302 | $70.01 |
| Aug 1, 2026 | Winter Reba K | officer: EVP, COO | Common Stock | A | 310 | $58.65 |
