QCR Holdings, Inc. QCRH
- Market cap
- $1.7B
- P/E
- 11.9×
Follow QCRH
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 18.05 | 39.85 | 30.15 | 31.56 | 22.39 | 37.71 | 46.83 | 35.14 | 53.22 | 60.83 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
||
| 44.80 | 50.00 | 49.60 | 44.76 | 44.07 | 61.19 | 62.85 | 61.03 | 96.08 | 88.16 |
High Price
|
|||
| 572 | 641 | 755 | 697 | 739 | 693 | 1,001 | 1,030 | 1,013 | 1,004 |
Employees
|
|||
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
Revenue/Emp
|
|||
| 138 | 166 | 224 | 295 | 312 | 301 | 373 | 546 | 597 | 604 |
Revenue
|
|||
| 91.31% | 88.28% | 81.96% | 79.47% | 89.93% | 92.71% | 83.54% | 64.77% | 58.14% | 61.21% |
Gross Margin
|
|||
| 37 | 41 | 52 | 72 | 73 | 121 | 114 | 127 | 123 | 136 |
EBT
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| 26.61% | 24.49% | 23.23% | 24.43% | 23.48% | 40.41% | 30.42% | 23.19% | 20.52% | 22.51% |
EBT Margin
|
|||
| 28 | 36 | 43 | 57 | 61 | 99 | 99 | 114 | 114 | 127 |
Net Income
|
|||
| 5 | 7 | 2 | 8 | 13 | 15 | 17 | 19 | 18 | 13 |
Depreciation
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|||
| 10.94 | 12.46 | 15.20 | 18.74 | 19.79 | 19.13 | 22.38 | 32.64 | 35.50 | 35.78 |
Revenue/Sh
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|||
| 2.20 | 2.68 | 2.92 | 3.65 | 3.89 | 6.30 | 5.94 | 6.79 | 6.77 | 7.54 |
Earnings/Sh
|
|||
| 3.45 | 2.53 | 4.35 | 4.86 | 7.11 | 5.62 | 7.12 | 22.49 | 26.42 | 24.98 |
Cash Flow/Sh
|
|||
| (0.48) | (0.43) | (0.78) | (0.63) | (0.26) | (0.78) | (1.87) | (0.86) | (2.64) | (3.89) |
Capex/Sh
|
|||
| 2.97 | 2.10 | 3.58 | 4.24 | 6.85 | 4.84 | 5.25 | 21.63 | 23.77 | 21.09 |
Free CF/Sh
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| 22.75 | 26.51 | 32.04 | 34.03 | 37.65 | 43.10 | 46.32 | 52.99 | 59.27 | 65.91 |
Book Value/Sh
|
|||
| 13 | 13 | 15 | 16 | 16 | 16 | 17 | 17 | 17 | 17 |
Shares
|
|||
| 19.39 | 15.59 | 10.99 | 12.02 | 10.31 | 8.89 | 8.31 | 8.62 | 11.91 | 11.05 |
PE Ratio
|
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| 3.90 | 3.37 | 2.11 | 2.34 | 2.00 | 2.93 | 2.21 | 1.79 | 2.27 | 2.33 |
PS Ratio
|
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| 1.87 | 1.58 | 1.00 | 1.29 | 1.05 | 1.30 | 1.07 | 1.10 | 1.36 | 1.26 |
PB Ratio
|
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| 4.48 | 4.05 | 2.58 | 2.37 | 1.99 | 3.00 | 3.47 | 2.55 | 2.58 | 2.93 |
EV/Sales
|
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| 25.77 | 24.08 | 10.97 | 10.48 | 5.75 | 11.88 | 14.79 | 3.85 | 3.86 | 4.98 |
EV/FCF
|
|||
| 43 | 34 | 64 | 76 | 112 | 88 | 119 | 376 | 445 | 422 |
Op' Cash Flow
|
|||
| (6) | (6) | (11) | (10) | (4) | (12) | (31) | (14) | (44) | (66) |
Capex
|
|||
| 37 | 28 | 53 | 67 | 108 | 76 | 87 | 362 | 400 | 356 |
FCF
|
|||
| (163) | (169) | (42) | (13) | (263) | (181) | 164 | 242 | 13 | 3 |
Working Cap'
|
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| 251 | 295 | 376 | 266 | 172 | 167 | 696 | 717 | 568 | 636 |
Total Debt
|
|||
| 79 | 114 | 105 | 8 | (3) | 23 | 470 | 415 | 186 | 292 |
Net Debt
|
|||
| 286 | 353 | 473 | 535 | 594 | 677 | 773 | 887 | 997 | 1,112 |
Sh' Equity
|
|||
| 0.94% | 0.98% | 0.97% | 1.16% | 1.14% | 1.68% | 1.41% | 1.38% | 1.30% | 1.37% |
ROA
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| 6.50% | 5.58% | 6.01% | 8.72% | 7.78% | 10.91% | 6.18% | 6.09% | 6.57% | 6.05% |
ROIC
|
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| 10.82% | 11.17% | 10.44% | 11.38% | 10.73% | 15.57% | 13.67% | 13.69% | 12.09% | 12.06% |
ROE
|
|||
QCR Holdings, Inc. peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| RBCAA Republic Bancorp, Inc. | $1.7B | 14.4× | Compare |
| OCFC OceanFirst Financial Corp. | $1.7B | 20.1× | Compare |
| OBK Origin Bancorp, Inc. | $1.6B | 16.7× | Compare |
| BFC Bank First National Corporation | $1.7B | 19.8× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| TCBK TriCo Bancshares | $1.7B | 12.5× | Compare |
| BY Byline Bancorp, Inc. | $1.7B | 11.2× | Compare |
| FSUN FirstSun Capital Bancorp | $1.7B | 19.9× | Compare |
| LOB Live Oak Bancshares, Inc. | $1.7B | 13.0× | Compare |
QCR Holdings, Inc. (QCRH) key facts
- QCR Holdings, Inc. (QCRH) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- QCR Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $603.7 million, up 1.07% from fiscal 2024.
- Net income was $127.2 million, or $7.54 per share (basic), a net margin of 21.1%.
- As of September 25, 2026, QCRH traded at $100.92, a market capitalization of $1.7 billion.
- At that price the stock trades at 11.9× trailing-twelve-month earnings and 2.7× sales.
- QCR Holdings, Inc. pays an annual dividend of $0.24 per share, a yield of 0.43%, with a payout ratio of 3.51%.
- Return on equity was 12.1% and debt-to-equity 0.57.
QCR Holdings, Inc. (QCRH) Latest News
25 Sep
QCR Holdings (QCRH) has tracked the market but faces weak core earnings momentum. The piece cites a 9.1% five-year growth in net interest income with a flat net interest margin, and analyst projections of only 6.7% NI growth next year, indicating limited upside. At about $100.47, the stock trades around 1.3x forward P/B; the authors say the valuation is fair but the potential upside is limited and downside risk remains, arguing there are better bets elsewhere, including unspecified software/edge computing picks. The analysis also drops a promotional note about StockStory’s top market-beating stocks. A slowdown in net interest income growth and limited upside imply only a modest impact on sentiment and valuation.
22 Sep
QCR Holdings’ stock closed near $99.55 after a multi-year rise, prompting questions about whether returns on deployed capital justify the price. Over three years, the shares gained about 102%, underscoring the link between profitability and capital efficiency. The analysis cites an 11.5x P/E and an Excess Returns valuation, with book value $70.25 per share (forecast $77.99) and EPS $9.25. ROE averages 11.86% and cost of equity 6.24%, yielding an excess of $3.02 per share and an intrinsic value well above the current level. A community narrative calls the stock 9% undervalued, noting digital transformation and wealth-management expansion as potential margin and efficiency catalysts. Intrinsic value from Excess Returns exceeds the $99.55 price, indicating potential upside driven by ROE above cost of equity.
26 Jul
QCR Holdings beat earnings expectations, posted lower charge-offs, and executed share buybacks. Earnings beat combined with lower charge-offs and buybacks signals stronger credit quality and capital return for QCR Holdings.
24 Jul
QCR Holdings offset Q2 top-line shortfall through diversified revenue and cost discipline. Q2 results show revenue diversification and cost controls mitigating shortfall without altering overall trajectory.
23 Jul
QCR Holdings Inc (QCRH) posted strong Q2 2026 results amid challenges per earnings call highlights. Earnings highlights of strong performance amid challenges indicate moderate influence on future trajectory.
QCR Holdings reported Q2 earnings with updates on net interest income, loan growth, credit quality and deposit trends. Q2 earnings updates may shift near-term sentiment but do not signal major strategic or competitive shifts.
QCR Holdings, Inc. held its Q2 2026 earnings call covering quarterly financial results, operational metrics and forward guidance. Quarterly earnings data and guidance directly shape near-term valuation and trading activity.
22 Jul
QCR Holdings (NASDAQ:QCRH) missed Q2 CY2026 sales expectations. Missing quarterly sales targets typically pressures near-term stock performance and investor sentiment.
QCR Holdings, Inc. reported net income of $36.3 million for the second quarter of 2026. Quarterly earnings announcement of $36.3 million net income can moderately affect short-term stock price and investor sentiment.
26 Jun
QCR Holdings reported Q1 earnings, triggering buy, sell or hold analysis for the stock based on results and outlook. Q1 earnings release and related investment recommendation moderately influence near-term sentiment and trading.
18 May
Endeavour acquires stake in QCR Holdings, underscoring strong core deposit franchise and net interest spread performance. Stake purchase spotlights deposit and spread strengths that may lift near-term investor sentiment.
25 Apr
QCR Holdings (QCRH) valuation faces scrutiny after recent choppy trading amid plans for a comprehensive digital overhaul. Digital overhaul plans constitute a major strategic move poised to reshape operations, efficiency, and competitive positioning.
24 Apr
QCR Holdings Inc (QCRH) reported record profitability in Q1 2026 earnings call, driven by strong net income growth, deposit expansion, and loan portfolio performance, alongside strategic acquisitions and efficiency improvements. Record profitability and strategic initiatives position QCRH for enhanced growth and investor confidence.
QCR Holdings, Inc. (QCRH) reports Q1 loan growth, advances asset-light strategy, and invests in digital initiatives, collectively shaping positive future outlook. Loan growth, asset-light strategy, and digital investments mark significant strategic shifts enhancing QCRH's financial trajectory and market position.
23 Apr
QCR Holdings, Inc. (QCRH) released the transcript of its Q1 2026 earnings call. Q1 2026 earnings call transcript discloses quarterly financial results, strategic updates, and guidance directly impacting QCRH's market performance and investor outlook.
QCR Holdings, Inc. released Q1 2026 earnings call summary highlighting financial results, loan portfolio growth, deposit increases, net interest margin expansion, and positive outlook amid economic conditions. Quarterly earnings summaries reveal financial health, guidance, and strategic updates that significantly sway investor confidence and stock trajectory.
QCR Holdings, Inc. reported Q1 net income of $16.4 million, up 11% year-over-year, driven by loan growth and solid net interest margins; noninterest income rose while expenses were controlled; outlook remains positive with stable deposits and credit quality. Q1 earnings results show moderate growth in income and assets, influencing financial performance but balanced by stable market conditions.
22 Apr
QCR Holdings, Inc. reported net income of $33.4 million for the first quarter of 2026. Strong Q1 net income highlights robust financial performance, likely driving positive investor sentiment and stock trajectory.
QCR Holdings (QCRH) Q1 earnings compared to analyst estimates, with analysis of key metrics including EPS, revenue, net interest margin, and loan growth. Q1 earnings versus estimates influence financial performance and market sentiment but represent routine quarterly reporting.
QCR Holdings (QCRH) Q1 earnings compared to analyst estimates, with analysis of key metrics. Q1 earnings versus estimates moderately affect QCRH's financial performance and market sentiment.
QCR Holdings, Inc. (QCRH) beat Q1 earnings estimates, reporting stronger-than-expected results that highlight robust financial performance. Beating Q1 earnings estimates positively influences financial performance and investor sentiment without fundamentally altering long-term trajectory.
QCR Holdings (NASDAQ:QCRH) missed Q1 CY2026 revenue estimates. Revenue miss directly affects financial performance and may moderate investor sentiment.
21 Apr
QCR Holdings, Inc. (QCRH) released the transcript of its Q4 2025 earnings call, detailing quarterly financial performance, strategic updates, and future outlook. Q4 earnings transcripts provide critical insights into annual results, guidance, and strategy, likely driving significant market reactions and trajectory shifts.
20 Apr
QCR Holdings (QCRH) reports earnings tomorrow, with analysts previewing expectations for financial results and performance metrics. Upcoming earnings disclosure can moderately affect stock price and investor sentiment depending on results versus forecasts.
15 Apr
QCR Holdings (QCRH) earnings expected to grow amid positive analyst outlook, prompting buy consideration for investors. Expected earnings growth signals moderate positive influence on financial performance and investor sentiment.
12 Apr
QCR Holdings (QCRH) narrative shifts as analysts update price targets and fair value assumptions, potentially altering investor perceptions and stock outlook. Updated analyst targets and fair value assumptions signal a narrative shift that could significantly impact QCRH's investor sentiment and market trajectory.
29 Mar
QCR Holdings (QCRH) narrative shifts positively with rising analyst price targets, while fair value estimates remain steady. Rising analyst targets signal significant positive shift in investor sentiment and potential market performance uplift for QCRH.
9 Mar
QCR Holdings, Inc. (QCRH) stock has pulled back sharply, raising investor concerns over its significant private credit exposure and potential undervaluation amid broader market scrutiny. Pullback spotlights private credit risks, likely pressuring near-term financial perception and stock performance.
19 Feb
QCR Holdings, Inc. (QCRH) announces an increased cash dividend of $0.10 per share. Dividend increase signals financial strength and can moderately boost investor sentiment and stock performance.
18 Feb
QCR Holdings (QCRH) undergoes Q4 performance teardown against other regional banks, highlighting comparative strengths, weaknesses, and metrics in stock analysis. Q4 teardown comparing QCRH to peers moderately influences financial performance perception and investor sentiment without fundamentally altering trajectory.