QCR Holdings (QCRH) AI Stock Analysis

• Market Cap: $1.20B
• Dividend Yield: 0.34%
• Average Volume (3M): 103.45K
• Price to Earnings (P/E): 10.7
• Beta (1Y): 0.87
• Revenue Growth: -0.76%
• EPS Growth: -1.60%
• Country: US
• Employees: 972
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.73
• Shares Outstanding: 16,892,130
• 10 Day Avg. Volume: 110,879
• 30 Day Avg. Volume: 103,446
• PEG Ratio: -40.47
• Price to Book (P/B): 1.36
• Price to Sales (P/S): 2.31
• P/FCF Ratio: 3.39
• Enterprise Value/Market Cap: 1.30
• Enterprise Value/Revenue: 2.73
• Enterprise Value/Gross Profit: 4.98
• Enterprise Value/Ebitda: 12.19
• 1Y Price Target: $89.17
• Price Target Upside: 33.01% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 71 Outperform
• Price Target: $83.00 ▲(23.81% Upside)

QCR Holdings' overall stock score is driven by strong financial performance and a positive earnings call outlook, despite technical indicators suggesting caution. The company's reasonable valuation further supports its investment potential, though challenges in revenue growth and deposit declines warrant attention.

QCR Holdings Business Overview & Revenue Model

Company Description

QCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. Its deposit products include noninterest-bearing demand, interest-bearing demand, time, and brokered deposits. The company also provides various commercial and retail lending/leasing, and investment services to corporations, partnerships, individuals, and government agencies. Its loan portfolio comprises loans to small and mid-sized businesses; business loans, including lines of credit for working capital and operational purposes; term loans for the acquisition of facilities, equipment, and other purposes; commercial and residential real estate loans; and installment and other consumer loans, such as home improvement, home equity, motor vehicle, and signature loans, as well as small personal credit lines. In addition, the company engages in leasing of machinery and equipment to commercial and industrial businesses under direct financing lease contracts; and issuance of trust preferred securities. It serves the Quad Cities, Cedar Rapids, Cedar Valley, Des Moines/Ankeny, and Springfield communities. The company was founded in 1993 and is headquartered in Moline, Illinois.

How the Company Makes Money

QCR Holdings generates revenue through several key streams, primarily from interest income on loans, which includes commercial, residential, and consumer loans provided to customers. The company also earns income from fees associated with deposit accounts, investment management, and other banking services. Additionally, QCRH benefits from non-interest income, which includes service charges, mortgage banking fees, and commissions from wealth management services. Significant partnerships with local businesses and community organizations further enhance its revenue-generating capabilities by fostering relationships that lead to increased loan and deposit activities.

QCR Holdings Financial Statement Overview

Summary

QCR Holdings demonstrates strong revenue growth and profitability with healthy margins. The balance sheet is stable with manageable leverage, though rising debt and capital expenditures require monitoring. Cash flow generation is robust, supporting a positive financial outlook.

Income Statement

QCR Holdings demonstrates strong revenue growth with a steady increase in total revenue over the years. The gross profit margin and net profit margin are healthy, reflecting efficient cost management and profitability. The EBIT and EBITDA margins are consistently solid, indicating strong operational performance. However, the revenue growth rate has shown some slowdown recently, which could be a concern for future growth prospects.

Balance Sheet

The balance sheet shows a stable financial position with a moderate debt-to-equity ratio, suggesting manageable leverage levels. Return on Equity is impressive, indicating effective use of equity capital to generate profits. The equity ratio is robust, highlighting a strong equity base relative to total assets. Despite these strengths, the company has shown an increase in total debt over the periods, which could pose a risk if not managed carefully.

Cash Flow

QCR Holdings displays strong cash flow generation capabilities, with a consistent increase in free cash flow over the years. The operating cash flow to net income ratio is healthy, showing efficient conversion of profits into cash. The free cash flow to net income ratio indicates strong cash profitability. However, the capital expenditure has been rising, which, while indicative of growth investment, requires careful monitoring to ensure it doesn't impact liquidity.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	570.60M	587.77M	535.62M	365.61M	293.76M	306.59M
Gross Profit	313.15M	320.61M	326.68M	295.88M	268.36M	219.46M
EBITDA	127.89M	133.81M	138.28M	124.06M	128.86M	80.77M
Net Income	112.83M	113.85M	113.56M	99.07M	98.91M	60.58M
Balance Sheet
Total Assets	9.24B	9.03B	8.54B	7.95B	6.10B	5.71B
Cash, Cash Equivalents and Short-Term Investments	104.77M	516.28M	501.70M	468.04M	450.61M	509.89M
Total Debt	509.36M	567.73M	716.79M	825.89M	170.81M	177.11M
Total Liabilities	8.19B	8.03B	7.65B	7.18B	5.42B	5.11B
Stockholders Equity	1.05B	997.39M	886.60M	772.72M	677.01M	593.79M
Cash Flow
Free Cash Flow	404.81M	400.05M	361.38M	85.44M	74.24M	107.91M
Operating Cash Flow	454.13M	444.54M	376.32M	118.70M	88.22M	112.18M
Investing Cash Flow	-732.50M	-845.23M	-749.27M	-634.69M	-411.77M	-704.48M
Financing Cash Flow	290.96M	395.30M	410.35M	538.23M	299.71M	577.38M

QCR Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 67.04
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For QCRH, the sentiment is Negative. The current price of 67.04 is below the 20-day moving average (MA) of 74.72, below the 50-day MA of 75.98, and below the 200-day MA of 72.76, indicating a bearish trend. The MACD of -1.85 indicates Positive momentum. The RSI at 27.99 is Positive, neither overbought nor oversold. The STOCH value of 20.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for QCRH.

QCR Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RBCAA	74 Outperform	$1.24B	11.28	12.34%	2.46%	8.97%	27.79%
QCRH	71 Outperform	$1.20B	10.71	11.36%	0.34%	-0.76%	-1.60%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HOPE	62 Neutral	$1.38B	30.35	1.92%	5.56%	-12.55%	-59.97%
DCOM	62 Neutral	$1.31B	35.39	3.24%	3.35%	-3.08%	-45.24%
CNOB	61 Neutral	$1.27B	29.35	2.75%	2.85%	3.58%	-52.78%
BY	55 Neutral	$1.25B	10.19	10.69%	1.43%	2.23%	-1.13%

QCR Holdings Corporate Events

QCR Holdings Declares Cash Dividend for Shareholders

On August 20, 2025, QCR Holdings, Inc. declared a cash dividend of $0.06 per share, which will be payable on October 3, 2025, to shareholders recorded by September 18, 2025. This announcement reflects the company’s ongoing commitment to providing shareholder value and may impact its financial outlook and stakeholder interests.

QCR Holdings Announces Redemption of Subordinated Notes

QCR Holdings, Inc. announced its intention to redeem two series of subordinated notes originally issued in 2020. On July 25, 2025, the company issued notices for the full redemption of its 5.25% Fixed-to-Floating Rate Subordinated Notes and its 5.125% Fixed-to-Floating Rate Subordinated Notes, with redemption dates set for September 30, 2025, and September 15, 2025, respectively. The total redemption amounts are approximately $20.5 million and $50.6 million, including accrued interest.

QCR Holdings Highlights Strong Financial Performance

On July 25, 2025, QCR Holdings, Inc. released a presentation on its website, highlighting its distinct operating model and consistent top-tier financial performance. The company emphasized its diversified income sources, disciplined credit culture, and strong management team, which have contributed to its substantial stock price outperformance and industry-leading returns. The presentation also detailed the company’s differentiated business lines, including specialty finance and traditional banking, which have driven outstanding results.

QCR Holdings Announces Leadership Changes at Annual Meeting

On May 22, 2025, QCR Holdings, Inc. held its Annual Meeting, where three Class II directors were re-elected, and the board size was reduced from 13 to 11 members following the retirement of Larry J. Helling and Donna J. Sorensen. Todd A. Gipple was appointed as Chief Executive Officer, and Nick W. Anderson as Chief Financial Officer, while Brittany N. Whitfield was named Chief Accounting Officer. The company also declared a cash dividend of $0.06 per share, payable on July 3, 2025.