QCR Holdings (QCRH) Stock Forecast & Price Target

QCR Holdings Inc. demonstrated strong financial performance in recent quarters, highlighted by a notable 8% increase in wealth management revenue, reaching $5.0 million and supported by a growth of $316 million in assets under management to $7.0 billion. The bank exhibited a robust net interest income (NII) of $72.2 million, reflecting a 4% quarter-over-quarter growth, and a maintained net interest margin (NIM) that improved by 4 basis points to 3.46%. Additionally, the tangible book value (TBV) increased by 5% to $55.78, showcasing solid profitability and internal capital generation, as evidenced by reported return on assets and return on tangible common equity of 1.56% and 15.7%, respectively.

QCR Holdings Inc. is facing challenges as revenue from capital markets fell short of expectations, generating $9.9 million, which coincided with a 6% decline in wealth management revenue to $4.6 million. The company is also experiencing credit quality concerns, with potential deterioration in larger loans that could lead to greater reserve requirements and negatively affect earnings, despite a slight decline in non-performing assets. Furthermore, the conservative loan growth estimate of 8% year-over-year for 2026 suggests cautious management outlook compared to their preliminary expectations, indicating a potentially stagnant financial performance.