Is QCR Holdings Inc (QCRH) Undervalued After Q3 Earnings Beat? E
QCR Holdings Inc (QCRH) reported Q3 2026 net income of $36.4M, EPS of $2.21, beating estimates. Net interest income rose 5% to $68.7M, and loans grew 11% excluding m2 portfolio runoff. Deposits fell to $7.2B. GuruFocus values QCRH at $76.29, suggesting 30.4% overvaluation. Insiders sold $0.9M in shares over 12 months.
How this was made
The 30-second read
Why it matters
Traders can use the reported EPS beat, NIM increase, and the stated loan-growth guidance (10% to 15% annualized for the upcoming quarter) to reassess near-term earnings power, while monitoring deposit trajectory and m2 runoff as key risks.
Market read
Company-specific earnings and margin datapoints can move expectations for regional bank profitability, but funding and asset-quality risks temper the bullish read-through.
What to watch
The article highlights deposit decline and planned runoff but does not quantify credit losses or provisioning, which could dominate the next earnings cycle if asset quality deteriorates.
Background
The piece frames QCR Holdings as a multi-bank holding company and summarizes its Q3 2026 8-K, including profitability, net interest margin, loan growth, and deposit trends.
Ticker impact
QCR Holdings reported Q3 results via an Oct. 20 8-K, including diluted EPS of $2.21 vs $2.09 estimates and NIM up to 3.58% TEY.
Likely modest upward bias as the market digests the EPS and NIM beat, tempered by concerns about deposits falling and the m2 portfolio runoff.
The article provides specific Q3 datapoints (EPS, NIM, net interest income, deposits) and a forward loan-growth guidance range, which can drive incremental repricing, though it also flags funding and asset-quality headwinds.
Market effects
Adds another data point on regional bank net interest margin resilience and the tradeoff between loan growth and deposit stability.
Limited, but can influence Midwest regional bank sentiment around funding conditions and asset-quality expectations.
Low, as the disclosure is company-specific and not a macro policy release.
Counterpoint
The EPS beat may be less durable if deposit levels keep falling and the m2 runoff pressures future earning assets, making the valuation discussion potentially premature.
Key entities
- companyQCR Holdings Inc
Multi-bank holding company; subject of the Q3 2026 8-K summary and valuation discussion.
