QCR Holdings, Inc. (QCRH) vs Republic Bancorp, Inc. (RBCAA)

QCR Holdings, Inc. and Republic Bancorp, Inc. are both Banks Regional companies. QCR Holdings, Inc. and Republic Bancorp, Inc. are of similar size ($1.7B and $1.7B). QCR Holdings, Inc. trades at the lower P/E: 11.9× against 14.4×. QCR Holdings, Inc. grew revenue faster over the last twelve months: 6.98% against −2.72%. Republic Bancorp, Inc. has the higher net margin (25.4% vs 22.9%) and the higher return on invested capital (10.6% vs 6.62%). Both pay a dividend; Republic Bancorp, Inc. yields more (3.06% vs 0.43%). Across the 20 metrics below, QCR Holdings, Inc. leads on 12 and Republic Bancorp, Inc. on 8.

Valuation

Metric QCRH RBCAA Banks Regional median
P/E 11.87 14.39 12.15
P/S 2.68 3.73 2.37
P/B 1.45 1.63 1.21
Price to free cash flow 2.09 13.79 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.17 3.34 2.27
Earnings yield 8.42% 6.95% 8.11%
Free cash flow yield 47.75% 7.25% 8.98%

Profitability

Metric QCRH RBCAA Banks Regional median
Gross margin 63.77% 81.19% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.86% 25.38% 18.66%
Free cash flow margin 127.89% 27.05% 21.18%
Return on equity 12.91% 11.55% 10.64%
Return on assets 1.51% 1.82% 1.13%
Return on invested capital 6.62% 10.63% 8.33%

Growth

Metric QCRH RBCAA Banks Regional median
Revenue growth (TTM) 6.98% (2.72%) 6.61%
EPS growth (last fiscal year) 11.62% 28.98% —
Revenue growth, 5-year CAGR 14.10% 8.97% 12.30%
Net income growth, 5-year CAGR 15.99% 9.54% 9.71%

Health

Metric QCRH RBCAA Banks Regional median
Debt to equity 0.57 0.14 0.22
Current ratio 0.98 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric QCRH RBCAA Banks Regional median
Dividend yield 0.43% 3.06% 3.75%
Payout ratio 0.04 0.32 0.27

Size

Metric QCRH RBCAA Banks Regional median
Market cap 1.65b 1.65b 921.07m

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