QTWO - Q2 Holdings, Inc.

NYSE - Nasdaq Real-time price. Currency in USD
78.16
+0.61 (+0.79%)
As of 3:04PM EST. Market open.
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Previous close77.55
Open77.94
Bid78.14 x 900
Ask78.21 x 1200
Day's range76.90 - 78.33
52-week range43.41 - 93.63
Volume171,390
Avg. volume446,418
Market cap3.844B
Beta (3Y monthly)1.23
PE ratio (TTM)N/A
EPS (TTM)-1.49
Earnings date11 Feb 2020 - 17 Feb 2020
Forward dividend & yieldN/A (N/A)
Ex-dividend dateN/A
1y target est91.53
  • Q2 Holdings (QTWO) Q3 Earnings and Revenues Top Estimates
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    Q2 Holdings (QTWO) Q3 Earnings and Revenues Top Estimates

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  • Introducing Q2 Holdings (NYSE:QTWO), The Stock That Zoomed 291% In The Last Five Years
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  • Earnings Preview: Q2 Holdings (QTWO) Q3 Earnings Expected to Decline
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    Earnings Preview: Q2 Holdings (QTWO) Q3 Earnings Expected to Decline

    Q2 Holdings (QTWO) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

  • Bloomberg

    No Banking Charter? No Problem. Fintechs Team Up With Small-Town Banks

    (Bloomberg) -- Customers of Square Inc., the Silicon Valley payments behemoth, might assume that the cash they send to friends on the platform is housed in a glassy building in Silicon Valley, tended to by hoodie-clad tech workers. Actually, that money is more likely to be sitting in a 117-year-old community bank in Iowa.Partnerships between high-flying tech companies and traditional banks, many of them tiny by comparison, are a key force behind the financial technology boom. Because virtually no tech companies have the license required to perform banking services, many of them partner with existing banks to offer a suite of services including checking accounts, credit cards and the back-end and regulatory work the tech companies aren’t equipped—or allowed—to handle.Now, driven by the tech industry’s thirst to jump into finance, a new crop of businesses are looking to broker the connections between tech and banks. One such business is Cambr, a little-known division of an investment company called StoneCastle, which counts Square and other fintechs as customers. StoneCastle works with more than 800 small banks, spread across the country, ready to take and hold deposits from Silicon Valley startups like Square.“Airbnb, one would argue they are one of the largest hotel chains that doesn't own a room,” said Josh Siegel, chief executive of StoneCastle Partners LLC. “Our network works in a similar way. We have an account at the bank, it's the room we rent, and we can rent it out to whoever we want.”Cambr’s service launched last year as a partnership between StoneCastle, which provides the bank connections, and digital banking platform Q2 Holdings Inc., which works on the software and programming. Square’s Cash App was one of Cambr’s first customers, Siegel said, and it has since added startups like Acorns Grow Inc., MoneyLion Inc., Qapital Inc. and robo-adviser Betterment LLC, in a recently announced deal.What Cambr aims to offer tech companies is a ready-made strategy to accept deposits that they wouldn’t otherwise have the license to handle. Here’s how it works: A tech company or startup might give Cambr as much as $100 billion of customers’ cash, and could then ask the service to spread the money around to potentially hundreds of different financial institutions. A result of spreading out the deposits is that more of the fintech’s cash is insured under the Federal Deposit Insurance Corp.’s $250,000-per-account guarantee, offering more coverage than if the money were deposited at a single institution.A Salve for Digital DisruptionThe partnership model, which has rapidly become the go-to for financial technology companies, does pose some risks for banks, particularly if fast-moving startups draw the ire of regulators, as has happened before. “The banks are the supervised entities so the buck stops with them,” said Brian Korn, partner and head of fintech practice at Manatt, Phelps & Phillips. “The regulators are waiting for situations where there’s a breakdown.”But many community banks have embraced such partnerships, seeing them as a salve in times of digital disruption. More deposits can allow small banks to grow and make more local loans. In Cedar Falls, Iowa, the 117-year-old Lincoln Savings Bank, which works with Cambr, has boosted its revenue by partnering with fintechs, said Mike McCrary, who runs e-commerce and emerging technology for the bank. McCrary said that when Lincoln Savings Bank considered how it could best position itself for the next 10 years, fintech partnerships were an obvious answer. “In order for us to be relevant years from now, there had to be something digital,” he said. “Now we’re putting a lot of resources into this area of our business,” including, he said, building out a new team dedicated to working with tech companies.  While the partnerships have injected cash into many small banks, some industry watchers have wondered if those banks could be left in a lurch if fintechs eventually got their own banking charters. If they did, community banks could find themselves as direct competitors to tech companies, without the same digital capabilities. But so far tech companies have made scant progress toward winning banking charters, particularly as government concern over digital financial services has grown. Some members of the U.S. Federal Reserve have voiced concern over fintech’s risk management capabilities. And Facebook Inc.’s foray into cryptocurrency has drawn ire from lawmakers.One option for tech companies has been to apply for an Industrial Loan Charter, which would effectively grant them license to provide financial services. Square first applied for the charter in the fall of 2017, but its request shows no signs of being approved. Social Finance Inc. also applied for an ILC, but withdrew its application altogether.“It’s not easy to become a bank here, and we haven’t seen much traction in general with the ILC,” Matt Burton, partner at venture capital firm QED Investors, said. “What we have seen is continued demand for non-banks to offer banking solutions.”Picking PartnersPartnering with multiple small banks is just one option for fintechs. Some, like Apple Inc. which developed a credit card with Goldman Sachs Group Inc., have teamed up with one big bank instead. But there are advantages to Cambr’s many-bank strategy. Some tech companies favor “the network approach over the big bank because they can negotiate better rates because both parties are getting something they want,'' said Lindsay Davis, a senior analyst at CB Insights. Smaller banks are also more likely to play ball because they aren’t developing competing services.“For the big banks, they are optimizing for customer acquisition and cross-selling services,” Davis said. “So a tech firm getting into financial services might be cannibalizing an existing business.” Joe Yeres, Cambr’s vice president of business development, is partly responsible for brokering the connections with community institutions, and travels a few times a month to places like Waterloo, Iowa, and Kansas City, Mo., where some of the banks it works with are located. The trips were eye-opening, Yeres said.“I was born and raised in New York metro, so the whole thing is a little funny to me,” Yeres said. “I was done with one of the leads of the banking team, and we went out for drinks after work one day, and walking around Waterloo it was like this guy was the mayor, everyone knew him. It was like, ‘Wow, this is how this part of the world works.’”Eventually, Cambr has its sights set on a bigger prize: It wants to handle deposits from the tech giants, not just the startups. Many industry watchers believe large tech companies will eventually move to offer more financial services, as Apple already has with the Apple Card and Amazon.com Inc. has with small business lending. But Siegel realizes that Cambr, the little-known product of the relatively little-known StoneCastle and Q2, faces some hurdles. “Do they want to take a risk on a younger platform?” he asks, and in doing so, “upset big finance, which they’ll still have to work with on some things?”Still, Siegel is pitching the titans of tech, as they continue to march deeper into the world of finance. He adds: “We've probably been out and visited with almost all of them.”(Updates with context on tech companies in the penultimate paragraph. An earlier version of this story corrected the location of Lincoln Savings Bank headquarters. )To contact the author of this story: Julie Verhage in New York at jverhage2@bloomberg.netTo contact the editor responsible for this story: Anne VanderMey at avandermey@bloomberg.net, Mark MilianFor more articles like this, please visit us at bloomberg.com©2019 Bloomberg L.P.

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  • Is Q2 Holdings, Inc.'s (NYSE:QTWO) CEO Paid Enough Relative To Peers?
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  • Q2 Holdings (QTWO) Q2 2019 Earnings Call Transcript
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    Q2 Holdings (QTWO) Q2 2019 Earnings Call Transcript

    QTWO earnings call for the period ending June 30, 2019.

  • Q2 Holdings (QTWO) Tops Q2 Earnings and Revenue Estimates
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    Q2 Holdings (QTWO) Tops Q2 Earnings and Revenue Estimates

    Q2 Holdings (QTWO) delivered earnings and revenue surprises of 200.00% and 2.07%, respectively, for the quarter ended June 2019. Do the numbers hold clues to what lies ahead for the stock?

  • Analysts Estimate Q2 Holdings (QTWO) to Report a Decline in Earnings: What to Look Out for
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    Analysts Estimate Q2 Holdings (QTWO) to Report a Decline in Earnings: What to Look Out for

    Q2 Holdings (QTWO) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

  • Does Q2 Holdings, Inc. (NYSE:QTWO) Have A High Beta?
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  • Why Q2 Holdings Stock Soared 54.1% in the First Half of 2019
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  • Is Q2 Holdings a Buy Near All-Time Highs?
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  • Q2 Holdings (QTWO) Q1 2019 Earnings Call Transcript
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    Q2 Holdings (QTWO) Q1 2019 Earnings Call Transcript

    QTWO earnings call for the period ending March 31, 2019.

  • Q2 Holdings (QTWO) Reports Q1 Loss, Tops Revenue Estimates
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    Q2 Holdings (QTWO) Reports Q1 Loss, Tops Revenue Estimates

    Q2 Holdings (QTWO) delivered earnings and revenue surprises of -25.00% and 0.79%, respectively, for the quarter ended March 2019. Do the numbers hold clues to what lies ahead for the stock?

  • You Might Like Q2 Holdings, Inc. (NYSE:QTWO) But Do You Like Its Debt?
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    You Might Like Q2 Holdings, Inc. (NYSE:QTWO) But Do You Like Its Debt?

    Want to participate in a short research study? Help shape the future of investing tools and you could win a $250 gift card! Q2 Holdings, Inc. (NYSE:QTWO) is a small-cap stock with a market capitalization of US$3.3b. While inv...

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    Q2 Holdings (QTWO) Expected to Beat Earnings Estimates: What to Know Ahead of Q1 Release

    Q2 Holdings (QTWO) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

  • Why Q2 Holdings, Inc. (NYSE:QTWO) Could Be Worth Watching
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    Why Q2 Holdings, Inc. (NYSE:QTWO) Could Be Worth Watching

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