QCR Holdings, Inc. QCRH

100.92 0.50 0.50% as of 25 Sep
Market cap
$1.7B
P/E
11.9×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.01
Total sells 0.92
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — 1 — 1 — — —
Sell — — — 1 — 1 1 — 1 — — —
Insider Ownership 3.88%

Capital & Financial Ratios

Market Cap 1,650.00
Revenue 621.32
Net Income 142.01
Free Cash Flow 794.61
Net Debt 308.48
Current Ratio 0.98
Debt/Equity 0.57
P/E ratio 11.87
P/S ratio 2.68
P/B ratio 1.45
Past 5Y EPS Growth 13.30%
This Y EPS Growth 11.17%
Next Y EPS Growth 5.46%
Next 5Y EPS Growth 9.93%
in millions of $

Dividends

Payout Ratio 0.04
Annual Dividend Rate 0.24
Annual Dividend Yield 0.43%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.35
0.10
0.10
0.15
2025 0.24
0.06
0.06
0.06
0.06
2024 0.24
0.06
0.06
0.06
0.06
2023 0.30
0.06
0.06
0.06
0.06
0.06
2022 0.24
0.06
0.06
0.06
0.06
2021 0.24
0.06
0.06
0.06
0.06
2020 0.24
0.06
0.06
0.06
0.06
2019 0.24
0.06
0.06
0.06
0.06
2018 0.24
0.06
0.06
0.06
0.06
2017 0.20
0.05
0.05
0.05
0.05
2016 0.16
0.04
0.04
0.04
0.04
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 302 381 343 343
Receivables — — — —
Inventory — — — —
Other — — — —
6,758 7,076 7,420 7,289
2023 2024 2025 Q'26
Payables 6,514 7,061 7,414 7,417
ST’ Debt — — — —
Other — — — —
6,516 7,063 7,417 7,426
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 18.10% 14.10% 17.38%
Cash Flow 30.21% 30.31% 52.57%
Earnings 22.35% 15.99% 8.69%
Book Value 17.28% 13.38% 12.91%

Revenue

Mar Jun Sep Dec Year
’26 143 150 — — —
’25 134 142 162 166 604
’24 142 151 153 152 597
’23 120 131 135 160 546
’22 67 91 100 115 373
’21 71 68 86 75 301
’20 64 77 89 82 312
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 4 471 — — —
’25 (4) 42 47 335 422
’24 3 26 238 177 445
’23 22 39 25 291 376
’22 7 47 23 42 119
’21 11 22 32 24 88
’20 7 33 90 (17) 112
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 (8) 458 — — —
’25 (13) 24 34 311 356
’24 (9) 16 230 163 400
’23 20 36 22 284 362
’22 4 26 20 38 87
’21 9 19 28 19 76
’20 6 32 90 (19) 108
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 1.99 2.19 — — —
’25 1.52 1.71 2.16 2.12 7.49
’24 1.58 1.72 1.64 1.77 6.71
’23 1.60 1.69 1.49 1.95 6.73
’22 1.49 0.87 1.71 1.81 5.87
’21 1.12 1.39 1.99 1.71 6.20
’20 0.70 0.86 1.09 1.14 3.80
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell
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
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
10.94 12.46 15.20 18.74 19.79 19.13 22.38 32.64 35.50 35.78
Revenue/Sh
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
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
3.90 3.37 2.11 2.34 2.00 2.93 2.21 1.79 2.27 2.33
PS Ratio
1.87 1.58 1.00 1.29 1.05 1.30 1.07 1.10 1.36 1.26
PB Ratio
4.48 4.05 2.58 2.37 1.99 3.00 3.47 2.55 2.58 2.93
EV/Sales
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'
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
6.50% 5.58% 6.01% 8.72% 7.78% 10.91% 6.18% 6.09% 6.57% 6.05%
ROIC
10.82% 11.17% 10.44% 11.38% 10.73% 15.57% 13.67% 13.69% 12.09% 12.06%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

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.

Source: company filings (standardised) and stockrow calculations.

QCR Holdings, Inc. (QCRH) Latest News

News by impact score

Fine-tune

25 Sep

3

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

3

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

3

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

3

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

3

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.

3 transcript

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.

3 transcript

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

3

QCR Holdings (NASDAQ:QCRH) missed Q2 CY2026 sales expectations. Missing quarterly sales targets typically pressures near-term stock performance and investor sentiment.

3

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

3

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

3

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

4

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

4

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.

4

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

4 transcript

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.

4

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.

3

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

4

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.

3

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.

3

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.

3

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.

3

QCR Holdings (NASDAQ:QCRH) missed Q1 CY2026 revenue estimates. Revenue miss directly affects financial performance and may moderate investor sentiment.

21 Apr

4 transcript

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

3

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

3

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

4

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

4

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

3

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

3

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

3

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.

stockrow.com/QCRH · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com