QCRH Stock Analysis: QCR Holdings | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.596m USD | 12M Return: 33.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 11.6M
EPS Trend: 84.1%
Qual. Beats: 3
Rev. Trend: 81.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
QCR Holdings is a multi-bank holding company operating in the U.S. regional banking sector. It provides commercial and consumer banking services along with trust and asset management through subsidiary banks, taking deposits and originating a broad loan portfolio that includes commercial real estate, business lines of credit, and consumer loans such as auto, home equity, and signature loans. The company also issues trust preferred securities and serves corporations, partnerships, individuals, and government agencies. Headquartered in Moline, Illinois, QCR Holdings was incorporated in 1993.
The multi-bank holding company structure allows QCRH to maintain separate bank charters across different markets, a common arrangement among U.S. regional banks that supports localized lending decisions while sharing centralized back-office and capital functions. Regional banks like QCRH typically concentrate on relationship-driven commercial lending and small-to-mid-sized business clients within a defined geographic footprint, differentiating from money-center banks through local market knowledge rather than balance sheet scale.
- Net interest margin pressured by rising deposit costs
- Commercial real estate loan portfolio faces regulatory credit scrutiny
- Small and mid-sized business loan growth accelerates commercial segment revenue
| Net Income: 134.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA -0.60 > 1.0 |
| NWC/Revenue: 10.37% < 20% (prev -1.20k%; Δ 1.21k% < -1%) |
| CFO/TA 0.04 > 3% & CFO 429.5m > Net Income 134.8m |
| Net Debt (338.2m) to EBITDA (157.9m): 2.14 < 3 |
| Current Ratio: 4.72 > 1.5 & < 3 |
| Outstanding Shares: last quarter (16.7m) vs 12m ago -2.13% < -2% |
| Gross Margin: 59.49% > 18% (prev 54.35%; Δ 5.14% > 0.5%) |
| Asset Turnover: 6.48% > 50% (prev 6.33%; Δ 0.16% > 0%) |
| Interest Coverage Ratio: 0.63 > 6 (EBIT TTM 145.6m / Interest Expense TTM 230.2m) |
| A: 0.01 (Total Current Assets 80.0m - Total Current Liabilities 16.9m) / Total Assets 9.61b |
| B: 0.08 (Retained Earnings 789.9m / Total Assets 9.61b) |
| C: 0.02 (EBIT TTM 145.6m / Avg Total Assets 9.38b) |
| D: 0.13 (Book Value of Equity 1.12b / Total Liabilities 8.49b) |
| Altman-Z'' = 0.55 = B |
| DSRI: 3.0 (Receivables 7.20b/14.3m, Revenue 608.5m/579.1m) |
| GMI: 0.91 (GM 54.35% / 59.49%) |
| AQI: 1.03 (AQ_t 0.97 / AQ_t-1 0.94) |
| SGI: 1.05 (Revenue 608.5m / 579.1m) |
| TATA: -0.03 (NI 134.8m - CFO 429.5m) / TA 9.61b) |
| Beneish M = -1.41 (Cap -4..+1) = D |
As of July 08, 2026, the stock is trading at USD 95.90 with a total of 87,425 shares traded. Over the past week, the price has changed by -0.77%, over one month by +2.16%, over three months by +9.06% and over the past year by +33.46%.
Current recommended Stop Loss: 91.10 (which is 5% or 1.9 ATR below the current price).
QCR Holdings has received a consensus analysts rating of 4.40. Therefore, it is recommended to buy QCRH.
- StrongBuy: 2
- Buy: 3
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 101.4 | 5.7% |
P/E Trailing = 12.142
P/E Forward = 12.1951
P/S = 4.3508
P/B = 1.4553
P/EG = 1.0182
Revenue TTM = 608.5m USD
EBIT TTM = 145.6m USD
EBITDA TTM = 157.9m USD
Long Term Debt = 416.3m USD (from longTermDebt, last quarter)
Short Term Debt = 16.9m USD (from shortTermDebt, last quarter)
Debt = 418.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 338.2m USD (calculated: Debt 418.3m - CCE 80.0m)
Enterprise Value = 1.93b USD (1.60b + Debt 418.3m - CCE 80.0m)
Interest Coverage Ratio = 0.63 (Ebit TTM 145.6m / Interest Expense TTM 230.2m)
EV/FCF = 5.39x (Enterprise Value 1.93b / FCF TTM 358.9m)
FCF Yield = 18.56% (FCF TTM 358.9m / Enterprise Value 1.93b)
FCF Margin = 58.98% (FCF TTM 358.9m / Revenue TTM 608.5m)
Net Margin = 22.15% (Net Income TTM 134.8m / Revenue TTM 608.5m)
Gross Margin = 59.49% ((Revenue TTM 608.5m - Cost of Revenue TTM 246.5m) / Revenue TTM)
Gross Margin QoQ = 61.47% (prev 61.10%)
Tobins Q-Ratio = 0.20 (Enterprise Value 1.93b / Total Assets 9.61b)
Interest Expense / Debt = 55.03% (Interest Expense 230.2m / Debt 418.3m)
Taxrate = 7.44% (10.8m / 145.6m)
NOPAT = 134.8m (EBIT 145.6m * (1 - 7.44%))
Current Ratio = 4.72 (Total Current Assets 80.0m / Total Current Liabilities 16.9m)
Debt / Equity = 0.37 (Debt 418.3m / totalStockholderEquity, last quarter 1.12b)
Debt / EBITDA = 2.14 (Net Debt 338.2m / EBITDA 157.9m)
Debt / FCF = 0.94 (Net Debt 338.2m / FCF TTM 358.9m)
Total Stockholder Equity = 1.09b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.44% (Net Income 134.8m / Total Assets 9.61b)
RoE = 12.33% (Net Income TTM 134.8m / Total Stockholder Equity 1.09b)
RoCE = 9.65% (EBIT 145.6m / Capital Employed (Equity 1.09b + L.T.Debt 416.3m))
RoIC = 1.41% (NOPAT 134.8m / Invested Capital 9.58b)
WACC = 6.73% (E(1.60b)/V(2.01b) * Re(8.49%) + (debt cost/tax rate unavailable))
Discount Rate = 8.49% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -8.99 | Cagr: -0.59%
[DCF] Terminal Value 74.03% ; FCFF base≈374.0m ; Y1≈345.5m ; Y5≈309.6m
[DCF] Fair Price = 276.7 (EV 4.91b - Net Debt 338.2m = Equity 4.57b / Shares 16.5m; r=8.35% [WACC [floored]]; 5y FCF grow -9.55% → 2.50% )
EPS Correlation: 84.13 | EPS CAGR: 5.45% | SUE: 1.70 | # QB: 3
Revenue Correlation: 81.37 | Revenue CAGR: 8.07% | SUE: 0.59 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.91 | Chg30d=+0.00% | Revisions=-50% | Analysts=5
EPS next Quarter (2026-09-30): EPS=2.06 | Chg30d=+0.00% | Revisions=-29% | Analysts=5
EPS current Year (2026-12-31): EPS=8.16 | Chg30d=+0.00% | Revisions=+17% | GrowthEPS=+6.9% | GrowthRev=+3.3%
EPS next Year (2027-12-31): EPS=8.69 | Chg30d=-0.07% | Revisions=+0% | GrowthEPS=+6.4% | GrowthRev=+5.8%
[Analyst] Revisions Ratio: -27% (up=4, down=8)