National Bank Holdings Corporation (NBHC) vs QCR Holdings, Inc. (QCRH)

National Bank Holdings Corporation and QCR Holdings, Inc. are both Banks Regional companies. National Bank Holdings Corporation and QCR Holdings, Inc. are of similar size ($1.7B and $1.7B). QCR Holdings, Inc. trades at the lower P/E: 11.9× against 15.7×. National Bank Holdings Corporation grew revenue faster over the last twelve months: 9.28% against 6.98%. QCR Holdings, Inc. has the higher net margin (22.9% vs 15.1%) and the higher return on invested capital (6.62% vs 4.67%). Both pay a dividend; National Bank Holdings Corporation yields more (3.39% vs 0.40%). Across the 19 metrics below, QCR Holdings, Inc. leads on 13 and National Bank Holdings Corporation on 6.

Valuation

Metric NBHC QCRH Banks Regional median
P/E 15.73 11.93 12.28
P/S 2.56 2.69 2.37
P/B 1.00 1.45 1.21
Price to free cash flow 11.51 2.10 11.06
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.36% 8.38% 8.02%
Free cash flow yield 8.69% 47.53% 8.80%

Profitability

Metric NBHC QCRH Banks Regional median
Gross margin 71.31% 63.77% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.11% 22.86% 18.68%
Free cash flow margin 22.25% 127.89% 21.11%
Return on equity 6.53% 12.91% 10.64%
Return on assets 0.87% 1.51% 1.13%
Return on invested capital 4.67% 6.62% 8.33%

Growth

Metric NBHC QCRH Banks Regional median
Revenue growth (TTM) 9.28% 6.98% 6.80%
EPS growth (last fiscal year) (7.47%) 11.62% 18.82%
Revenue growth, 5-year CAGR 10.39% 14.10% 12.56%
Net income growth, 5-year CAGR 4.34% 15.99% 9.83%

Health

Metric NBHC QCRH Banks Regional median
Debt to equity 0.20 0.57 0.21
Current ratio 0.97 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NBHC QCRH Banks Regional median
Dividend yield 3.39% 0.40% 2.69%
Payout ratio 0.53 0.05 0.32

Size

Metric NBHC QCRH Banks Regional median
Market cap 1.66b 1.65b 921.62m

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