QCR Holdings (QCRH)
NASDAQ:QCRH
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QCR Holdings
(NASDAQ:QCRH)
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Rating:65Neutral
Price Target:
$93.00
â–²(3.01% Upside)
Action:DowngradedDate:02/28/26
The score is anchored by solid fundamentals but weighed down by sharp 2025 cash flow volatility and slowing recent revenue growth. The latest earnings call was notably constructive (record earnings, improving NIM, strong growth/asset quality), while technicals are mixed with weak near-term momentum. Valuation is supportive with a modest P/E, though the dividend yield is low.
Positive Factors
Net Interest Margin Expansion
Sustained NIM expansion across seven quarters demonstrates durable improvement in core banking profitability. Rising margin provides a recurring lift to net interest income, supporting organic earnings growth even as loan balances grow, and cushions returns versus peers in a normalized rate environment.
Negative Factors
Cash Flow Volatility
A sharp drop and volatility in free cash flow undermines confidence in internal funding for growth, buybacks and dividends. This reduces financial flexibility for strategic investments and makes capital allocation more dependent on external funding or slower organic reinvestment.
Read all positive and negative factors
Positive Factors
Negative Factors
Net Interest Margin Expansion
Sustained NIM expansion across seven quarters demonstrates durable improvement in core banking profitability. Rising margin provides a recurring lift to net interest income, supporting organic earnings growth even as loan balances grow, and cushions returns versus peers in a normalized rate environment.
Read all positive factors
QCR Holdings (QCRH) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.51B
Dividend Yield0.28%
Average Volume (3M)106.17K
Price to Earnings (P/E)11.0
Beta (1Y)0.84
Revenue Growth-2.42%
EPS Growth3.83%
CountryUS
Employees972
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.21
Shares Outstanding16,730,722
10 Day Avg. Volume124,224
30 Day Avg. Volume106,167
Financial Highlights & Ratios
PEG Ratio0.96
Price to Book (P/B)1.25
Price to Sales (P/S)2.34
P/FCF Ratio3.94
Enterprise Value/Market Cap1.36
Enterprise Value/Revenue3.45
Enterprise Value/Gross Profit5.98
Enterprise Value/Ebitda14.23
Forecast
1Y Price Target
$102.67Price Target Upside13.72% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)8.02
Revenue Forecast (FY)$440.63M
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...
How the Company Makes Money
QCR Holdings generates revenue primarily through interest income from loans and investments, as well as non-interest income from service fees and other banking activities. The company's key revenue streams include interest earned on commercial and...
QCR Holdings Earnings Call Summary
Earnings Call Date:Jan 27, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 22, 2026
Earnings Call Sentiment Positive
The call emphasized record financial performance (record quarterly and annual earnings), meaningful NIM expansion, robust loan and deposit growth, outperformance in capital markets and strong LIHTC and wealth management momentum. Near-term headwinds include seasonality in capital markets revenue, planned investments that raise noninterest expense in 2026, and a gradual path to restoring noninterest-bearing deposit levels. Overall, the positive operational and financial momentum, strong asset quality, capital position and clear growth initiatives materially outweigh the identified challenges.Positive Updates
Record Earnings
Q4 adjusted net income of $37.0M ($2.21 diluted EPS) and record full year adjusted net income of $130.0M ($7.64 diluted EPS).
Negative Updates
Q1 Capital Markets Seasonality
Management cautioned Q1 is historically the slowest quarter for capital markets revenue (5-year Q1 average ~$11M; last year Q1 was $6M); first quarter should not be expected to replicate large Q4 capital markets results.
Read all updates
Q4-2025 Updates
Positive
Negative
Record Earnings
Q4 adjusted net income of $37.0M ($2.21 diluted EPS) and record full year adjusted net income of $130.0M ($7.64 diluted EPS).
Read all positive updates
Company Guidance
Management guided capital markets revenue to $55–$70 million over the next four quarters (2025 actual $65M; Q1 historical avg ~$11M and Q1 ’25 was $6M) and expects a perm loan securitization of roughly $300–$350M prior to June 30; tax‑equivalent NIM is forecast to expand 3–7 bps in Q1 (Q4 QoQ +6 bps; NIM to EY +32 bps over the last 7 quarters), with ~1–2 bps of NIM accretion per 25 bp Fed cut, rate‑sensitive liabilities exceeding assets by ~$700M, an expected ~2 bp benefit from retiring FHLB term debt, ~$140M of fixed‑rate loans (5.55%) resetting ~+50 bps, and ~$390M of CDs (3.94%) expected to reprice ~‑50 bps while new muni inventory yields in the high‑6% TEY range; loan growth is guided to 8–10% annualized in Q1, ramping to 10–15% for the remainder of 2026 (roughly 12% for the full year target), core deposits/funding are expected to fund growth (core deposits grew $64M Q4 / 4% ann and $474M FY / 7% FY), Q1 noninterest expense is guided to $55–$58M (midpoint ≈5% YoY increase including about $4M digital, $4M salary/benefits and ~$2M occupancy), Q1 effective tax rate 8–10%, management expects to remain under $10B in assets at year‑end 2026 (cross $10B in 2027), and buybacks will remain opportunistic.QCR Holdings Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
64
Positive
Cash Flow
38
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 596.75M | 587.77M | 535.62M | 365.61M | 293.76M |
| Gross Profit | 344.46M | 320.61M | 326.68M | 295.88M | 268.36M |
| EBITDA | 135.90M | 133.81M | 138.28M | 124.06M | 128.86M |
| Net Income | 127.19M | 113.85M | 113.56M | 99.07M | 98.91M |
Balance Sheet | |||||
| Total Assets | 9.58B | 9.03B | 8.54B | 7.95B | 6.10B |
| Cash, Cash Equivalents and Short-Term Investments | 183.50M | 516.28M | 501.70M | 468.04M | 450.61M |
| Total Debt | 617.87M | 567.73M | 716.79M | 825.89M | 170.81M |
| Total Liabilities | 8.46B | 8.03B | 7.65B | 7.18B | 5.42B |
| Stockholders Equity | 1.11B | 997.39M | 886.60M | 772.72M | 677.01M |
Cash Flow | |||||
| Free Cash Flow | 354.11M | 400.05M | 361.38M | 85.44M | 74.24M |
| Operating Cash Flow | 421.54M | 444.54M | 376.32M | 118.70M | 88.22M |
| Investing Cash Flow | -854.71M | -845.23M | -749.27M | -634.69M | -411.77M |
| Financing Cash Flow | 417.93M | 395.30M | 410.35M | 538.23M | 299.71M |
QCR Holdings Technical Analysis
Positive
90.28
Price Trends
87.63
Positive
85.61
Positive
79.91
Positive
Market Momentum
0.53
Negative
68.06
Neutral
93.19
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For QCRH, the sentiment is Positive. The current price of 90.28 is above the 20-day moving average (MA) of 84.16, above the 50-day MA of 87.63, and above the 200-day MA of 79.91, indicating a bullish trend. The MACD of 0.53 indicates Negative momentum. The RSI at 68.06 is Neutral, neither overbought nor oversold. The STOCH value of 93.19 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for QCRH.
QCR Holdings Risk Analysis
QCR Holdings disclosed 43 risk factors in its most recent earnings report. QCR Holdings reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
QCR Holdings Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $1.57B | 10.17 | 4.23% | 3.14% | -1.79% | -23.87% | |
69 Neutral | $1.28B | 10.37 | 12.27% | 2.57% | 5.21% | 24.51% | |
69 Neutral | $1.51B | 10.05 | 10.77% | 1.34% | 1.31% | 2.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $1.56B | 10.24 | 2.62% | 4.97% | -7.96% | -52.79% | |
65 Neutral | $1.51B | 10.97 | 11.80% | 0.28% | -2.42% | 3.83% | |
64 Neutral | $1.43B | 8.36 | 5.49% | 2.68% | 15.55% | -28.10% |
* Financial Sector Average
QCRH
QCR Holdings
90.28
23.16
34.50%
HOPE
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12.17
2.94
31.87%
DCOM
Dime Community Bancshares
35.72
10.99
44.45%
RBCAA
Republic Bancorp
73.04
11.71
19.10%
CNOB
ConnectOne Bancorp
28.39
6.41
29.18%
BY
Byline Bancorp
33.09
8.72
35.79%
QCR Holdings Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
QCR Holdings Boosts Quarterly Dividend, Signals Ongoing Confidence
Positive
Feb 19, 2026
On February 18, 2026, QCR Holdings, Inc. declared a quarterly cash dividend of $0.10 per share, payable on April 3, 2026, to stockholders of record as of March 19, 2026. Announced publicly on February 19, 2026, the move represents a substantial in...
Business Operations and StrategyFinancial Disclosures
QCR Holdings Releases Updated Investor Presentation Highlighting Performance
Positive
Jan 27, 2026
On January 27, 2026, QCR Holdings, Inc. reported that it had posted its latest investor presentation, dated December 2025, to its website, providing shareholders and analysts with updated information on its financial performance and strategic posi...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.