Filing Flows › Financials › QCR Holdings (QCRH)
QCR Holdings (QCRH) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · QCR Holdings (QCRH) Q3 2026 earnings results →
Q3 2026 Revenue down 2% year over year to $99.2M · 37¢ of every $1 of revenue kept as net profit · operating margin 40.3%
QCR Holdings made $99.2M in Q3 2026 (-2% Y/Y): Net interest income $68.7M, Noninterest income $30.5M. Operating margin 40.3%, net earnings $36.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $99.2M in Q3 2026, down 2% year over year and up 2% from the previous quarter. Net interest income was the largest line at 69% of revenue. Noninterest income lost $6.2M year over year (down 17%), 271% of the total change.
Operating profit was $40.0M, a 40.3% margin (up 0.4 points year over year). Total costs fell 3% while revenue fell 2%. Net earnings were $36.4M, down 1% year over year. The effective tax rate was 8.9%.
Operating cash flow was $30.6M (down 35% year over year), 84% of net earnings. Non-cash charges added back $3.4M of depreciation and amortization and $609K of share-based compensation. Working capital and other items used $9.9M. Capital expenditures of $18.8M left free cash flow of $11.9M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $99.2M | -2% | 40.3% | $36.4M | $30.6M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
About QCR Holdings
General. QCR Holdings, Inc. is a multi-bank holding company headquartered in Moline, Illinois, that was formed in February 1993 under the laws of the state of Delaware. In 2016, the Company elected to operate as a financial holding company under the BHCA. The Company serves the Quad Cities, Cedar Rapids, Waterloo/Cedar Falls, Des Moines/Ankeny and Springfield communities through the following four wholly-owned banking subsidiaries (collectively, the “Banks”), which provide full-service commercial and consumer banking and trust and asset management services:
In its own words, from its 10-K, filed Feb 27, 2026.
QCR Holdings against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -2% against the peers' median +10%. Operating margin: 40.3% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| QCRH QCR Holdings | Q3 2026 | $99.2M | -2% | 40.3% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: QCR Holdings 10-Q on SEC EDGAR · CIK 906465 · State Commercial Banks
13F: who owns QCRH and who is buying
More on QCRH
History
Every quarter: Q3 2026 results