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QCR Holdings, Inc.

QCRH Financial Banks Regional

QCR Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $603.7 million, up 1.07% from fiscal 2024.

Revenue
+5.68%
EPS
+28.7%
Free cash flow
+1,791.8%
Total debt
+28.2%

Quarter to June 2026, against a year earlier

103.68 2.30 +2.27%
Market cap
$1.7B
P/E
12.2×
Fwd P/E
11.6×
Dividend yield
0.40%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.01
Sold, $m 0.92
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — 1 — 1 — — — — —
Sell — 1 — 1 1 — 1 — — — — —
Insider Ownership 4.37%

Capital & Financial Ratios $m

Size
Market Cap 1,650.00
Revenue ttm 621.32
Net income ttm 142.01
Free cash flow ttm 794.61
Net debt Q 308.48
Valuation
P/E 12.20
Forward P/E 11.60
Price / sales 2.75
Forward P/S Powerpack
Price / FCF 2.15
Price / book 1.49
Financial health
Current ratio Q 0.98
Debt / equity Q 0.57
Interest coverage Q —
Growth
Revenue growth Q +5.68% (above 0%: growing)
Operating income growth Q +29.14% (above 0%: growing)
EPS, this year +13.94%
EPS, next year A +4.35%
Revenue, next year A −31.20% (below 0%: weak)
EPS, past 5 yrs +14.54%
EPS, next 5 yrs A +8.58%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 69.24%
10-year low 10-year high
P/S against its own 10 years 68.32%
10-year low 10-year high
P/B against its own 10 years 80.76%
10-year low 10-year high

Dividends

Yield
0.40%
Annual rate
0.41
Payout ratio
4.85%
Growth, 2016–25
+4.61%/yr
  1. 0.16 ’16
  2. 0.20 ’17 +25%
  3. 0.24 ’18 +20%
  4. 0.24 ’19 +0%
  5. 0.24 ’20 +0%
  6. 0.24 ’21 +0%
  7. 0.24 ’22 +0%
  8. 0.30 ’23 +25%
  9. 0.24 ’24 −20%
  10. 0.24 ’25 +0%
  11. 0.49 ’26e +103%
paid forecast Powerpack

Assets vs Liabilities $m

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

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%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 2.09 Actual 2.21

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.96 2.21 Beat by 0.25
Q1 FY26 1.78 1.99 Beat by 0.21
Q2 FY26 1.90 2.19 Beat by 0.29
Q3 FY26 2.09 2.21 Beat by 0.12
Q4 FY26 2.22 — Reports 26 January 2027

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.

Revenue $m

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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

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
Fiscal quarters ending in the months shown.

Free Cash Flow $m

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
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 138 166 224 295 312 301 373 546 597 604 621 +17.9% 415 437 459 (8.7%)
Gross margin, % 91.31 88.28 81.96 79.47 89.93 92.71 83.54 64.77 58.14 61.21 63.77 (30.1) pt
EBT 37 41 52 72 73 121 114 127 123 136 155 +15.7%
EBT margin, % 26.61 24.49 23.23 24.43 23.48 40.41 30.42 23.19 20.52 22.51 24.87 (4.1) pt
Net income 28 36 43 57 61 99 99 114 114 127 142 +18.5%
Per share, $
Per share, $ Revenue 10.94 12.46 15.20 18.74 19.79 19.13 22.38 32.64 35.50 35.78 37.68 +14.1%
Earnings 2.20 2.68 2.92 3.65 3.89 6.30 5.94 6.79 6.77 7.54 8.50 +14.7%
Cash flow 3.45 2.53 4.35 4.86 7.11 5.62 7.12 22.49 26.42 24.98 52.08 +24.6%
Capex (0.48) (0.43) (0.78) (0.63) (0.26) (0.78) (1.87) (0.86) (2.64) (3.89) (3.89) +26.2%
Free cash flow 2.97 2.10 3.58 4.24 6.85 4.84 5.25 21.63 23.77 21.09 48.19 +24.3%
Book value 22.75 26.51 32.04 34.03 37.65 43.10 46.32 52.99 59.27 65.91 69.72 +12.5%
Shares, m 13 13 15 16 16 16 17 17 17 17 17 +3.3%
Valuation, ×
Valuation, × P/E 19.39 15.59 10.99 12.02 10.31 8.89 8.31 8.62 11.91 11.05 12.20 11.7
P/S 3.90 3.37 2.11 2.34 2.00 2.93 2.21 1.79 2.27 2.33 2.75 2.5
P/B 1.87 1.58 1.00 1.29 1.05 1.30 1.07 1.10 1.36 1.26 1.49 1.3
EV/Sales 4.48 4.05 2.58 2.37 1.99 3.00 3.47 2.55 2.58 2.93 — 3.0
EV/FCF 25.77 24.08 10.97 10.48 5.75 11.88 14.79 3.85 3.86 4.98 — 11.6
Cash, $m
Cash, $m Operating cash flow 43 34 64 76 112 88 119 376 445 422 859 +28.7%
Capex (6) (6) (11) (10) (4) (12) (31) (14) (44) (66) (64) +30.4%
Free cash flow 37 28 53 67 108 76 87 362 400 356 795 +28.5%
Balance, $m
Balance, $m Working capital (163) (169) (42) (13) (263) (181) 164 242 13 3 (138) n/m
Net debt 79 114 105 8 (3) 23 470 415 186 292 308 +15.6%
Shareholders’ equity 286 353 473 535 594 677 773 887 997 1,112 1,150 +16.3%
Returns, %
Returns, % ROA 0.94 0.98 0.97 1.16 1.14 1.68 1.41 1.38 1.30 1.37 1.51 +0.4 pt
ROIC 6.50 5.58 6.01 8.72 7.78 10.91 6.18 6.09 6.57 6.05 6.62 (0.5) pt
ROE 10.82 11.17 10.44 11.38 10.73 15.57 13.67 13.69 12.09 12.06 12.91 +1.2 pt
People
People Employees 572 641 755 697 739 693 1,001 1,030 1,013 1,004 — +6.5%
Revenue/emp, $m 0.24 0.26 0.30 0.42 0.42 0.43 0.37 0.53 0.59 0.60 — +10.7%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

QCR Holdings, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BY Byline Bancorp, Inc. $1.7B 11.6× 11.0× +1.37% (above 0%: growing) +36.36% (above 0%: growing) −32.50% (below 0%: shrinking) 73.03% 0.00% Compare
HOPE Hope Bancorp, Inc. $1.7B 13.2× 13.1× +17.99% (above 0%: growing) +218.18% (above 0%: growing) +727.66% (above 0%: growing) 57.96% 0.00% Compare
TCBK TriCo Bancshares $1.7B 12.5× 11.9× +4.33% (above 0%: growing) +27.38% (above 0%: growing) −17.30% (below 0%: shrinking) 80.35% 0.00% Compare
NBHC National Bank Holdings Corporation $1.7B 15.7× 20.5× +22.58% (above 0%: growing) n/m +394.28% (above 0%: growing) 71.00% 0.00% Compare
QCRH QCR Holdings, Inc. $1.7B 11.9× 11.6× +5.68% (above 0%: growing) +28.65% (above 0%: growing) +1,791.78% (above 0%: growing) 64.70% 0.00%
BFC Bank First National Corporation $1.7B 19.4× 17.0× +44.08% (above 0%: growing) +29.24% (above 0%: growing) +152.03% (above 0%: growing) 75.87% 0.00% Compare
OBK Origin Bancorp, Inc. $1.6B 16.4× 12.3× +11.11% (above 0%: growing) +134.04% (above 0%: growing) +57.26% (above 0%: growing) 71.20% 0.00% Compare
CNOB ConnectOne Bancorp, Inc. $1.6B 10.5× 10.8× +32.81% (above 0%: growing) n/m +427.03% (above 0%: growing) 60.53% 0.00% Compare
LOB Live Oak Bancshares, Inc. $1.6B 12.0× 12.7× +6.98% (above 0%: growing) +47.06% (above 0%: growing) −45.86% (below 0%: shrinking) 57.30% 0.00% Compare
Median of peers $1.7B 12.9× 12.5× +14.55% +41.71% +104.65% 71.10% 0.00%

All 328 Banks Regional stocks →

Pay and ownership Proxy statement filed 9 April 2026

Ownership

Directors and executive officers, together 3.20%
BlackRock, Inc., 6.80%
Dimensional Fund Advisors LP, 5.80%
The Vanguard Group, 5.70%
FMR LLC, 5.50%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

QCR Holdings, Inc. (QCRH) Latest News

2 Nov

Impact 2 · · GlobeNewswire

28 Oct

Impact 4 · · The Motley Fool

22 Oct

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

21 Oct

Impact 4 · · StockStory
Impact 4 · · The Motley Fool transcript
Impact 4 · · MarketBeat transcript
Impact 4 · · Moby

20 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press
Impact 3 · · StockStory

18 Oct

Impact 3 · · StockStory

14 Oct

Impact 3 · · Zacks

13 Oct

Impact 3 · · Zacks

30 Sep

Impact 2 · · GlobeNewswire

25 Sep

Impact 3 · · StockStory

22 Sep

Impact 3 · · Simply Wall St.

24 Aug

Impact 2 ·

19 Aug

Impact 1 ·

17 Aug

Impact 2 ·

29 Jul

Impact 2 ·
Impact 2 ·
Impact 2 ·

26 Jul

Impact 3 ·
Impact 2 ·

24 Jul

Impact 3 ·

23 Jul

Impact 3 ·
Impact 3 · · MarketBeat transcript
Impact 3 · · Moby transcript
stockrow.com/QCRH · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com