• QCR Holdings, Inc. recently reported full-year 2025 results showing higher net interest income of US$255.22 million and net income of US$127.19 million, alongside increased earnings per share from continuing operations versus 2024.
• The company also maintained stable quarterly net charge-offs of US$4.2 million and completed a share repurchase of 149,456 shares for US$11.6 million, signaling management’s ongoing focus on asset quality and capital return.
• Next, we’ll examine how QCR Holdings’ earnings growth and completion of its share repurchase program shape the company’s broader investment narrative.

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What Is QCR Holdings' Investment Narrative?

For QCR Holdings, the core investment case still rests on a regional bank that has been steadily converting its balance sheet into higher earnings, while returning cash through dividends and buybacks. The latest 2025 results, with higher net interest income and net income, largely reinforce rather than redefine that story, and the completion of the US$11.6 million repurchase modestly tightens the share base at a time when the stock has already delivered strong multi‑year returns. In the near term, the key catalysts remain management’s ability to sustain earnings growth in a moderating profit outlook and to keep credit costs contained, with stable quarterly net charge‑offs of US$4.2 million supporting that narrative for now. The main risk is that a low‑teens return on equity and slower forecast profit growth limit how much further re‑rating the market is willing to grant, particularly after the recent share price strength.

However, investors should watch closely how credit quality evolves from here. QCR Holdings' shares have been on the rise but are still potentially undervalued by 47%. Find out what it's worth.

Exploring Other Perspectives

The Simply Wall St Community’s single fair value estimate of US$102.25 sits near prior analyst targets, yet your view might shift once you weigh slower forecast earnings growth against recent margin and valuation trends.

Explore another fair value estimate on QCR Holdings - why the stock might be worth just $102.25!

Build Your Own QCR Holdings Narrative

Disagree with this assessment? Create your own narrative in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your QCR Holdings research is our analysis highlighting 3 key rewards that could impact your investment decision.
• Our free QCR Holdings research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate QCR Holdings' overall financial health at a glance.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.