Short answer
QCR HOLDINGS INC (QCRH) filed its fiscal 2025 10-K annual report with the SEC on Feb 27, 2026. It reported revenue of $489M (+1.6% year over year) and net income of $127M.
- Top risk flagged: Risk of regulatory changes from FASB, SEC, PCAOB impacting accounting policies and practices
FY2025 key financial metrics · XBRL
- Revenue
- $489M
- +1.6% YoY
- Net income
- $127M
- +11.7% YoY
- EPS (diluted)
- $7.49
- +11.6% YoY
- ROE
- 11.4%
- +0.0 pp YoY
- Operating cash flow
- $422M
- −5.2% YoY
Source: XBRL data from the QCR HOLDINGS INC (QCRH) FY2025 10-K on SEC EDGAR. USD.
QCR HOLDINGS INC FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business model: Community banking with diversified loan, deposit, and funding services primarily through subsidiary banks
- New securitization of $200.3 million held-to-maturity municipal securities via Class A/B certificates in August 2025, treated as secured borrowing
- Strategic emphasis on reducing higher-cost wholesale funding reliance, including FHLB advances and brokered deposits, to lower interest expense
- Stockholders’ equity increased to $1.11 billion in 2025 from $997 million in 2024; $21.6 million of common stock repurchased under new 1.7 million share repurchase program
- Noteworthy capital projects include $66.5 million new corporate HQ and branch in Bettendorf initiated in 2025 with $55.9 million still committed for 2026-2027 completion
Management Discussion & Analysis
- Revenue: Net interest income $255.2M up 10.1% YoY (+$23.4M); noninterest income $114.3M down 1.0% YoY (-$1.2M)
- Profitability: Net income $127.2M vs $113.9M YoY; diluted EPS $7.49 vs $6.71; operating margin data not explicitly provided
- Segment performance: Capital markets revenue $64.7M strong but declined vs prior period due to swap fees; core deposit growth 7%, loan growth 12% excluding certain loan sales
- Cash flow/capex: No specific buyback, dividend, or capex figures disclosed in excerpt
- Forward outlook: Management notes macroeconomic uncertainty affects capital markets revenue but expects continued strong fee income from affordable housing markets
Risk Factors
- Risk of regulatory changes from FASB, SEC, PCAOB impacting accounting policies and practices
- Exposure to macroeconomic instability from Russian invasion of Ukraine and Middle East conflicts
- Dependence on third-party vendors for IT systems vulnerable to sophisticated AI-driven cybersecurity attacks
- Competitive threat from fintech companies and digital asset service providers gaining market share
- Concentration risk from large deposits exceeding FDIC insurance limits risking sudden withdrawals
Generated from the filing text; verify against the original. How to read a 10-K
Ask about this 10-K
Compare years, dig into a risk factor or check the numbers against insider trades and fund holders.