QCR Holdings, Inc. (QCRH) vs TriCo Bancshares (TCBK)

QCR Holdings, Inc. and TriCo Bancshares are both Banks Regional companies. QCR Holdings, Inc. and TriCo Bancshares are of similar size ($1.7B and $1.7B). QCR Holdings, Inc. trades at the lower P/E: 11.9× against 12.5×. QCR Holdings, Inc. grew revenue faster over the last twelve months: 6.98% against 3.55%. TriCo Bancshares has the higher net margin (24.7% vs 22.9%) and the higher return on invested capital (8.97% vs 6.62%). Both pay a dividend; TriCo Bancshares yields more (3.64% vs 0.43%). Across the 20 metrics below, QCR Holdings, Inc. leads on 13 and TriCo Bancshares on 7.

Valuation

Metric QCRH TCBK Banks Regional median
P/E 11.87 12.47 12.15
P/S 2.68 3.04 2.37
P/B 1.45 1.24 1.21
Price to free cash flow 2.09 12.56 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.17 2.95 2.27
Earnings yield 8.42% 8.02% 8.11%
Free cash flow yield 47.75% 7.96% 8.98%

Profitability

Metric QCRH TCBK Banks Regional median
Gross margin 63.77% 79.56% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.86% 24.66% 18.66%
Free cash flow margin 127.89% 24.23% 21.18%
Return on equity 12.91% 10.38% 10.64%
Return on assets 1.51% 1.36% 1.13%
Return on invested capital 6.62% 8.97% 8.33%

Growth

Metric QCRH TCBK Banks Regional median
Revenue growth (TTM) 6.98% 3.55% 6.61%
EPS growth (last fiscal year) 11.62% 6.94% —
Revenue growth, 5-year CAGR 14.10% 10.82% 12.30%
Net income growth, 5-year CAGR 15.99% 13.40% 9.71%

Health

Metric QCRH TCBK Banks Regional median
Debt to equity 0.57 0.04 0.22
Current ratio 0.98 0.87 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric QCRH TCBK Banks Regional median
Dividend yield 0.43% 3.64% 3.75%
Payout ratio 0.04 0.30 0.27

Size

Metric QCRH TCBK Banks Regional median
Market cap 1.65b 1.67b 921.07m

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