QCRH Stock Analysis: QCR Holdings | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.637m USD | 12M Return: 32.1% | US74727A1043 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 10.0M
EPS Trend: 88.7%
Qual. Beats: 4
Rev. Trend: 81.3%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 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, Inc. (NASDAQ: QCRH) is a multi-bank holding company headquartered in Moline, Illinois, that provides commercial and consumer banking as well as trust and asset management services. The company was incorporated in 1993 and operates within the regional banking segment of the financials sector.
Its deposit offerings include noninterest-bearing demand, interest-bearing demand, time, and brokered deposits. On the lending side, QCRH provides commercial and retail loans and leases, business lines of credit, term loans, commercial and residential real estate loans, and a range of consumer installment products such as motor vehicle, home improvement, home equity, and signature loans. The multi-bank holding structure is a common arrangement among U.S. regional banks, allowing the company to operate community-oriented banking subsidiaries under a single corporate umbrella while serving corporations, partnerships, individuals, and government agencies.
QCRH also issues trust preferred securities and offers investment services to its client base. As a small-cap regional bank with a market capitalization of approximately $1.6 billion, the company focuses primarily on relationship-based lending to small and mid-sized businesses and retail customers in its local markets.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan losses pressure credit quality
- Loan growth accelerates across commercial and consumer segments
| Net Income: 142.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 3.95 > 1.0 |
| NWC/Revenue: 16.55% < 20% (prev -1.23k%; Δ 1.25k% < -1%) |
| CFO/TA 0.09 > 3% & CFO 858.8m > Net Income 142.0m |
| Net Debt (549.0m) to EBITDA (168.0m): 3.27 < 3 |
| Current Ratio: 12.50 > 1.5 & < 3 |
| Outstanding Shares: last quarter (16.5m) vs 12m ago -3.04% < -2% |
| Gross Margin: 60.89% > 18% (prev 54.88%; Δ 6.01% > 0.5%) |
| Asset Turnover: 6.60% > 50% (prev 6.17%; Δ 0.42% > 0%) |
| Interest Coverage Ratio: 0.69 > 6 (EBIT TTM 155.6m / Interest Expense TTM 225.1m) |
| A: 0.01 (Total Current Assets 111.3m - Total Current Liabilities 8.91m) / Total Assets 9.52b |
| B: 0.09 (Retained Earnings 814.5m / Total Assets 9.52b) |
| C: 0.02 (EBIT TTM 155.6m / Avg Total Assets 9.38b) |
| D: 0.14 (Book Value of Equity 1.15b / Total Liabilities 8.37b) |
| Altman-Z'' = 0.61 = B |
| DSRI: 2.21 (Receivables 29.9m/12.5m, Revenue 619.0m/570.6m) |
| GMI: 0.90 (GM 54.88% / 60.89%) |
| AQI: 1.02 (AQ_t 0.96 / AQ_t-1 0.95) |
| SGI: 1.08 (Revenue 619.0m / 570.6m) |
| TATA: -0.08 (NI 142.0m - CFO 858.8m) / TA 9.52b) |
| Beneish M = -2.05 (Cap -4..+1) = BB |
As of October 06, 2026, the stock is trading at USD 100.03 with a total of 129,682 shares traded. Over the past week, the price has changed by +0.05%, over one month by -1.80%, over three months by +2.86% and over the past year by +32.05%.
Current recommended Stop Loss: 96.90 (which is 3.1% or 1.6 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 | 110.5 | 10.5% |
P/E Trailing = 11.832
P/E Forward = 12.1951
P/S = 4.3172
P/B = 1.4133
P/EG = 1.0182
Revenue TTM = 619.0m USD
EBIT TTM = 155.6m USD
EBITDA TTM = 168.0m USD
Long Term Debt = 651.4m USD (from longTermDebt, last quarter)
Short Term Debt = 8.91m USD (from shortTermDebt, last quarter)
Debt = 660.3m USD (corrected: LT Debt 651.4m + ST Debt 8.91m)
Net Debt = 549.0m USD (calculated: Debt 660.3m - CCE 111.3m)
Enterprise Value = 2.19b USD (1.64b + Debt 660.3m - CCE 111.3m)
Interest Coverage Ratio = 0.69 (Ebit TTM 155.6m / Interest Expense TTM 225.1m)
EV/FCF = 2.76x (Enterprise Value 2.19b / FCF TTM 792.8m)
FCF Yield = 36.26% (FCF TTM 792.8m / Enterprise Value 2.19b)
FCF Margin = 128.1% (FCF TTM 792.8m / Revenue TTM 619.0m)
Net Margin = 22.94% (Net Income TTM 142.0m / Revenue TTM 619.0m)
Gross Margin = 60.89% ((Revenue TTM 619.0m - Cost of Revenue TTM 242.1m) / Revenue TTM)
Gross Margin QoQ = 61.57% (prev 61.47%)
Tobins Q-Ratio = 0.23 (Enterprise Value 2.19b / Total Assets 9.52b)
Interest Expense / Debt = 34.09% (Interest Expense 225.1m / Debt 660.3m)
Taxrate = 8.09% (12.5m / 154.5m)
NOPAT = 143.0m (EBIT 155.6m * (1 - 8.09%))
Current Ratio = 12.50 (Total Current Assets 111.3m / Total Current Liabilities 8.91m)
Debt / Equity = 0.57 (Debt 660.3m / totalStockholderEquity, last quarter 1.15b)
Debt / EBITDA = 3.27 (Net Debt 549.0m / EBITDA 168.0m)
Debt / FCF = 0.69 (Net Debt 549.0m / FCF TTM 792.8m)
Total Stockholder Equity = 1.12b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.51% (Net Income 142.0m / Total Assets 9.52b)
RoE = 12.70% (Net Income TTM 142.0m / Total Stockholder Equity 1.12b)
RoCE = 8.79% (EBIT 155.6m / Capital Employed (Equity 1.12b + L.T.Debt 651.4m))
RoIC = 1.51% (NOPAT 143.0m / Invested Capital 9.49b)
WACC = 14.89% (E(1.64b)/V(2.30b) * Re(8.26%) + D(660.3m)/V(2.30b) * Rd(34.09%) * (1-Tc(0.08)))
Discount Rate = 8.26% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -72.70 | Cagr: -1.11%
[DCF] Terminal Value 59.74% ; FCFF base≈637.6m ; Y1≈730.9m ; Y5≈1.08b
[DCF] Fair Price = 420.8 (EV 7.44b - Net Debt 549.0m = Equity 6.89b / Shares 16.4m; r=14.89% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 88.73 | EPS CAGR: 7.96% | SUE: 2.39 | # QB: 4
Revenue Correlation: 81.32 | Revenue CAGR: 5.78% | SUE: 0.67 | # QB: 0
EPS current Quarter (2026-09-30): EPS=2.10 | Chg30d=-0.14% | Revisions=+29% | Analysts=6
EPS current Year (2026-12-31): EPS=8.49 | Chg30d=-0.45% | Revisions=+62% | GrowthEPS=+11.2% | GrowthRev=+4.3%
EPS next Year (2027-12-31): EPS=8.96 | Chg30d=+0.10% | Revisions=+62% | GrowthEPS=+5.5% | GrowthRev=+5.5%
[Analyst] Revisions Ratio: +71% (up=13, down=1)