QCR Holdings (QCRH)
NASDAQ:QCRH
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QCR Holdings
(NASDAQ:QCRH)
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Rating:68Neutral
Price Target:
$97.00
▲(4.56% Upside)
Action:DowngradedDate:04/23/26
The score is driven primarily by solid core fundamentals and a very weak cash-flow stability profile (notably the steep 2025 free-cash-flow drop). Offsetting that, valuation appears attractive (low P/E) and technicals are mildly positive. The latest earnings call adds support via strong profitability, reaffirmed loan growth targets, and raised capital markets revenue guidance, despite near-term margin and LIHTC-related timing headwinds.
Positive Factors
Record profitability and strong ROA
Sustained high profitability and above-peer returns on assets indicate core banking economics are strong. Consistent internal earnings generation supports reinvestment, reserves, dividends and buybacks, increasing capital flexibility and resilience across credit cycles over the next several quarters.
Negative Factors
Sharp free-cash-flow volatility
Large year-to-year swings in operating and free cash flow reduce confidence in earnings quality and constrain predictable capital deployment. Volatile cash generation complicates budgeting for dividends, buybacks and loan growth, increasing refinancing and liquidity risk over the coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Record profitability and strong ROA
Sustained high profitability and above-peer returns on assets indicate core banking economics are strong. Consistent internal earnings generation supports reinvestment, reserves, dividends and buybacks, increasing capital flexibility and resilience across credit cycles over the next several quarters.
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)10.7
Beta (1Y)0.88
Revenue Growth3.37%
EPS Growth19.68%
CountryUS
Employees972
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.99
Shares Outstanding16,743,301
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 Cap1.22
Enterprise Value/Revenue3.10
Enterprise Value/Gross Profit5.38
Enterprise Value/Ebitda12.79
Forecast
1Y Price Target
$102.67Price Target Upside10.67% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)8.14
Revenue Forecast (FY)$431.28M
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
QCRH primarily makes money through its banking subsidiary by generating (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest collected on interest-earning assets—most importantly commer...
QCR Holdings Earnings Call Summary
Earnings Call Date:Apr 22, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 29, 2026
Earnings Call Sentiment Positive
The call conveyed strong operating and financial performance driven by record quarterly profitability, robust loan and deposit flows, disciplined expense management, a growing and scalable LIHTC platform, meaningful wealth management momentum, and active capital returns. Near-term margin dynamics are mixed — NIM improvement was modest and below guidance, and planned LIHTC offtakes will create temporary earning-asset and provision profile noise — but management has clear plans to manage capital and liquidity, is reaffirming loan growth guidance (10–15% annualized over the next three quarters), and raised capital markets revenue guidance reflecting confidence in the pipeline. Asset quality remains healthy and capital returns have been opportunistic. Overall, positives around profitability, efficiency, LIHTC strategy, and shareholder returns materially outweigh the highlighted near-term margin and transaction-related noises.Positive Updates
Record First-Quarter Profitability
Most profitable Q1 in company history with net income of $33.0 million and diluted EPS of $1.99; earnings per share grew 31% year-over-year and return on average assets was 1.40%.
Negative Updates
Capital Markets Seasonality and Revenue Compression
Capital markets revenue was down on a linked-quarter basis due to typical Q1 seasonality (Capital Markets revenue was $11 million in Q1); first-quarter capital markets results were in line with the company's 5-year Q1 average but below recent quarterly highs.
Read all updates
Q1-2026 Updates
Positive
Negative
Record First-Quarter Profitability
Most profitable Q1 in company history with net income of $33.0 million and diluted EPS of $1.99; earnings per share grew 31% year-over-year and return on average assets was 1.40%.
Read all positive updates
Company Guidance
Management reaffirmed and updated several quantitative targets: gross annualized loan growth of 10%–15% over the final three quarters of 2026 and an increased capital markets revenue target of $60M–$70M for the next four quarters (raised $5M on the low end); Q2 NIM (TEY) is guided to be flat to +3 bps (with an estimated 1–2 bps NIM accretion for every 25 bp Fed cut), supported by ~$163M of fixed‑rate loans yielding 6.2% that could reset ~25–30 bps higher, ~ $400M of CD maturities currently costing 3.7% expected to reprice ~25–30 bps lower, and a pipeline of municipals priced above 7% TEY; the planned Q2 LIHTC offtakes total ~$523M (a $207M construction sale and $316M Freddie Mac permanent securitization) and should be modestly NIM‑accretive (roughly a basis point for Q2) while freeing ~25 bps of GAAP capital from construction participation. They expect Q2 noninterest expense of $55M–$58M (versus $52M in Q1) and are targeting <5% annual noninterest expense growth under the 965 model; Q2 effective tax rate is expected to be 8%–10%. Management also noted average earning assets may be down roughly $200M in Q2, longer‑term loan‑to‑deposit settling around the low‑90s (they cited ~92.5%), and they will remain opportunistic on share repurchases as CET1 sits in the mid‑10% range.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
92.77
Price Trends
87.70
Positive
86.63
Positive
80.74
Positive
Market Momentum
1.69
Negative
69.13
Neutral
77.71
Neutral
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 92.77 is above the 20-day moving average (MA) of 87.45, above the 50-day MA of 87.70, and above the 200-day MA of 80.74, indicating a bullish trend. The MACD of 1.69 indicates Negative momentum. The RSI at 69.13 is Neutral, neither overbought nor oversold. The STOCH value of 77.71 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $1.56B | 10.53 | 8.46% | 3.14% | 15.01% | 316.06% | |
73 Outperform | $1.31B | 8.20 | 12.27% | 2.57% | -2.39% | 6.90% | |
70 Outperform | $1.58B | 10.24 | 2.62% | 4.97% | 0.09% | ― | |
70 Outperform | $1.46B | 8.92 | 6.32% | 2.68% | 39.87% | -5.48% | |
70 Outperform | $1.55B | 9.42 | 11.20% | 1.34% | 2.93% | 13.80% | |
68 Neutral | $1.51B | 10.66 | 12.33% | 0.28% | 3.37% | 19.68% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
QCRH
QCR Holdings
90.45
25.56
39.38%
HOPE
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12.37
2.84
29.76%
DCOM
Dime Community Bancshares
35.54
10.51
41.97%
RBCAA
Republic Bancorp
74.96
7.71
11.47%
CNOB
ConnectOne Bancorp
29.04
6.94
31.38%
BY
Byline Bancorp
32.40
7.03
27.69%
QCR Holdings Corporate Events
Business Operations and StrategyFinancial Disclosures
QCR Holdings Releases March 2026 Investor Presentation Overview
Positive
Apr 22, 2026
On April 22, 2026, QCR Holdings, Inc. announced it had posted a new investor presentation, dated March 2026, to its website, outlining its performance, strategy and risk factors for current and prospective shareholders. The materials highlight QCR...
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.