For the quarter ended March 2025, QCR Holdings (QCRH) reported revenue of $76.88 million, down 5.7% over the same period last year. EPS came in at $1.53, compared to $1.59 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $86.85 million, representing a surprise of -11.48%. The company delivered an EPS surprise of +0.66%, with the consensus EPS estimate being $1.52.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how QCR Holdings performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio (Non-GAAP): 60.5% versus the three-analyst average estimate of 57.5%.
• Net interest margin (GAAP): 3% compared to the 3.2% average estimate based on three analysts.
• Average Balance - Total earning assets: $8.24 billion versus the two-analyst average estimate of $8.31 billion.
• Net charge-offs as a % of average loans/leases: 0.1% compared to the 0.2% average estimate based on two analysts.
• Total noninterest income: $16.89 million compared to the $26 million average estimate based on three analysts.
• Net Interest Income: $59.99 million compared to the $60.84 million average estimate based on two analysts.
• Capital markets revenue: $6.52 million versus $14.13 million estimated by two analysts on average.
• Deposit service fees: $2.18 million compared to the $2.22 million average estimate based on two analysts.
• Gains on sales of residential real estate loans: $0.30 million versus $0.65 million estimated by two analysts on average.
• Net interest income - tax equivalent (non-GAAP): $69.50 million versus the two-analyst average estimate of $70.91 million.

View all Key Company Metrics for QCR Holdings here>>>

Shares of QCR Holdings have returned -10.8% over the past month versus the Zacks S&P 500 composite's -8.9% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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