(QCRH) QCR Holdings - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 1.508m USD | Total Return: 33.7% in 12m
Avg Turnover: 8.42M
EPS Trend: 84.1%
Qual. Beats: 3
Rev. Trend: 81.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
QCR Holdings, Inc. (QCRH) operates as a multi-bank holding company headquartered in Moline, Illinois. The firm provides a full suite of commercial and consumer banking services, including deposit products, trust and asset management, and diverse lending solutions. Its portfolio focuses on small and mid-sized businesses, offering working capital lines, equipment financing, and commercial real estate loans alongside traditional retail banking products.
Operating within the regional banking sector, the company utilizes a decentralized business model where subsidiary banks maintain local identities to foster community relationships. This structure allows the institution to compete with larger national banks by offering personalized credit underwriting and localized decision-making. Regional banks typically generate a significant portion of their revenue from the net interest margin between gathered deposits and issued loans.
Investors can further evaluate the companys financial health and valuation metrics at ValueRay. Following its incorporation in 1993, the company has expanded its footprint through both organic growth and strategic acquisitions within the Midwest market.
- Commercial loan growth in Midwest markets drives interest income expansion
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Low-cost deposit retention stabilizes funding costs amid regional banking competition
- Non-interest income growth through wealth management and tax credit programs
- Asset quality stability within the small and mid-sized business loan portfolio
| Net Income: 134.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.12 > 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 0.54%; Δ 5.89k% > 0.5%) |
| Asset Turnover: 6.48% > 50% (prev 6.33%; Δ 0.16% > 0%) |
| Interest Coverage Ratio: 0.63 > 6 (EBITDA TTM 157.9m / 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: 0.09 (Book Value of Equity 753.9m / Total Liabilities 8.49b) |
| Altman-Z'' = 0.51 = B |
| DSRI: 479.6 (Receivables 7.20b/14.3m, Revenue 608.5m/579.1m) |
| GMI: 0.91 (GM 59.49% / 54.35%) |
| 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 = 390.8 (Cap -4..+1) = D |
As of May 24, 2026, the stock is trading at USD 91.08 with a total of 76,965 shares traded.
Over the past week, the price has changed by +3.77%,
over one month by +2.15%,
over three months by +2.15% and
over the past year by +33.74%.
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 | 100.4 | 10.2% |
P/E Forward = 12.1951
P/S = 4.1104
P/B = 1.3011
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 = 1.85b USD (1.51b + Debt 418.3m - CCE 80.0m)
Interest Coverage Ratio = 0.63 (Ebit TTM 145.6m / Interest Expense TTM 230.2m)
EV/FCF = 23.24x (Enterprise Value 1.85b / FCF TTM 79.4m)
FCF Yield = 4.30% (FCF TTM 79.4m / Enterprise Value 1.85b)
FCF Margin = 13.05% (FCF TTM 79.4m / 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 = 0.19 (Enterprise Value 1.85b / Total Assets 9.61b)
Interest Expense / Debt = 55.03% (Interest Expense 230.2m / Debt 418.3m)
Taxrate = 6.78% (2.43m / 35.8m)
NOPAT = 135.7m (EBIT 145.6m * (1 - 6.78%))
Current Ratio = 0.01 (Total Current Assets 80.0m / Total Current Liabilities 6.52b)
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 = 4.26 (Net Debt 338.2m / FCF TTM 79.4m)
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 = 1.42% (NOPAT 135.7m / Invested Capital 9.53b)
WACC = 6.97% (E(1.51b)/V(1.93b) * Re(8.90%) + (debt cost/tax rate unavailable))
Discount Rate = 8.90% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -8.99 | Cagr: -0.59%
[DCF] Terminal Value 74.23% ; FCFF base≈82.3m ; Y1≈76.9m ; Y5≈70.5m
[DCF] Fair Price = 46.99 (EV 1.11b - Net Debt 338.2m = Equity 775.9m / Shares 16.5m; r=8.35% [WACC [floored]]; 5y FCF grow -8.31% → 2.50% )
EPS Correlation: 84.13 | EPS CAGR: 5.45% | SUE: 1.73 | # 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=-4.32% | Revisions=-43% | Analysts=5
EPS next Quarter (2026-09-30): EPS=2.06 | Chg30d=-1.06% | Revisions=-25% | Analysts=5
EPS current Year (2026-12-31): EPS=8.16 | Chg30d=+1.14% | Revisions=+14% | GrowthEPS=+6.9% | GrowthRev=+3.3%
EPS next Year (2027-12-31): EPS=8.69 | Chg30d=+0.58% | Revisions=+0% | GrowthEPS=+6.5% | GrowthRev=+5.8%
[Analyst] Revisions Ratio: -43%