QCR Holdings (QCRH) AI Stock Analysis

• Market Cap: $1.44B
• Dividend Yield: 0.28%
• Average Volume (3M): 92.43K
• Price to Earnings (P/E): 12.0
• Beta (1Y): 0.85
• Revenue Growth: -2.42%
• EPS Growth: 3.83%
• Country: US
• Employees: 972
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.17
• Shares Outstanding: 16,838,654
• 10 Day Avg. Volume: 104,231
• 30 Day Avg. Volume: 92,429
• 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: 1.33
• Enterprise Value/Revenue: 3.30
• Enterprise Value/Gross Profit: 5.86
• Enterprise Value/Ebitda: 13.46
• 1Y Price Target: $90.00
• Price Target Upside: 4.97% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4
• EPS Forecast (FY): 7.26
• Revenue Forecast (FY): $390.81M

• Rating: 77 Outperform
• Price Target: $97.00 ▲(13.13% Upside)

QCR Holdings is well-positioned with strong financial performance, positive earnings call outcomes, and strategic corporate actions. While technical indicators suggest caution due to overbought conditions, the company's robust fundamentals and strategic initiatives support a favorable outlook.

Positive Factors

Loan Growth

Robust loan growth indicates strong demand for QCR Holdings' lending services, supporting future revenue and market position.

Net Interest Margin Expansion

Expansion in net interest margin enhances profitability, indicating effective asset-liability management and pricing strategies.

Wealth Management Growth

Growth in wealth management services diversifies revenue streams and strengthens client relationships, enhancing long-term stability.

Negative Factors

Increased Noninterest Expenses

Rising noninterest expenses can pressure margins and profitability, necessitating efficient cost management to sustain earnings.

Higher Effective Tax Rate

An increased tax rate reduces net income, potentially impacting cash flow and investment capacity if sustained over time.

Decline in Free Cash Flow Growth

A decline in free cash flow growth may limit reinvestment and dividend capabilities, affecting long-term financial flexibility.

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 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 consumer loans, mortgage origination fees, and revenues from wealth management services. Additionally, QCRH benefits from its strategic partnerships with local businesses and community organizations, which enhance its customer base and generate referral business. The bank's focus on community engagement and personalized service helps to retain customers and drive growth in deposits and loans, contributing to its overall earnings.

QCR Holdings Financial Statement Overview

Summary

QCR Holdings presents a stable financial position with strong profitability and efficient cash flow management. Despite a decline in revenue growth, the company maintains healthy profit margins and a balanced leverage profile.

Income Statement

QCR Holdings has demonstrated consistent profitability with a solid net profit margin of 19.77% TTM. However, the revenue growth rate has declined by 1.46% TTM, indicating potential challenges in revenue generation. The gross profit margin remains healthy at 54.88% TTM, and EBIT and EBITDA margins are stable, reflecting efficient cost management.

Balance Sheet

The company maintains a moderate debt-to-equity ratio of 0.48 TTM, suggesting a balanced approach to leveraging. Return on equity is strong at 11.15% TTM, indicating effective use of shareholder funds. However, the equity ratio is not explicitly provided, which limits a full assessment of asset financing.

Cash Flow

QCR Holdings shows robust cash flow management with a free cash flow growth rate of 2.03% TTM. The operating cash flow to net income ratio is exceptionally high, indicating strong cash generation relative to net income. The free cash flow to net income ratio of 0.89 TTM suggests efficient conversion of earnings into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	580.04M	587.77M	535.62M	365.61M	293.76M	306.59M
Gross Profit	327.25M	320.61M	326.68M	295.88M	268.36M	219.46M
EBITDA	142.35M	133.81M	138.28M	124.06M	128.86M	80.77M
Net Income	121.75M	113.85M	113.56M	99.07M	98.91M	60.58M
Balance Sheet
Total Assets	9.57B	9.03B	8.54B	7.95B	6.10B	5.71B
Cash, Cash Equivalents and Short-Term Investments	77.58M	516.28M	501.70M	468.04M	450.61M	509.89M
Total Debt	2.85M	567.73M	716.79M	825.89M	170.81M	177.11M
Total Liabilities	8.48B	8.03B	7.65B	7.18B	5.42B	5.11B
Stockholders Equity	1.09B	997.39M	886.60M	772.72M	677.01M	593.79M
Cash Flow
Free Cash Flow	206.65M	400.05M	361.38M	85.44M	74.24M	107.91M
Operating Cash Flow	263.46M	444.54M	376.32M	118.70M	88.22M	112.18M
Investing Cash Flow	-719.41M	-845.23M	-749.27M	-634.69M	-411.77M	-704.48M
Financing Cash Flow	429.69M	395.30M	410.35M	538.23M	299.71M	577.38M

QCR Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 85.74
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 85.74 is above the 20-day moving average (MA) of 79.87, above the 50-day MA of 76.22, and above the 200-day MA of 72.56, indicating a bullish trend. The MACD of 2.72 indicates Negative momentum. The RSI at 71.86 is Negative, neither overbought nor oversold. The STOCH value of 95.62 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for QCRH.

QCR Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
QCRH	77 Outperform	$1.44B	11.98	11.80%	0.28%	-2.42%	3.83%
DCOM	77 Outperform	$1.15B	23.02	4.23%	3.37%	-1.79%	-23.87%
BY	76 Outperform	$1.34B	10.41	10.78%	1.37%	1.31%	2.02%
RBCAA	75 Outperform	$1.14B	10.07	12.35%	2.55%	5.21%	24.51%
CNOB	71 Outperform	$1.32B	21.18	4.40%	2.75%	15.55%	-28.10%
HOPE	69 Neutral	$1.40B	27.59	2.19%	5.12%	-7.96%	-52.79%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

QCR Holdings Corporate Events

QCR Holdings Declares Cash Dividend for Shareholders

On November 19, 2025, QCR Holdings declared a cash dividend of $0.06 per share, payable on January 7, 2026, to stockholders of record as of December 23, 2025. This announcement reflects the company’s ongoing commitment to providing shareholder value and may influence investor perceptions and market positioning.

QCR Holdings Highlights Strong Financial Performance

On October 24, 2025, QCR Holdings, Inc. released a presentation highlighting its financial performance and strategic positioning. The company emphasized its distinct operating model, strong financial returns, and diversified income sources, which have contributed to its substantial stock price outperformance compared to peers. The presentation also noted the company’s disciplined underwriting and credit culture, as well as its experienced management team, which have been key in navigating various economic cycles and delivering shareholder value.

QCR Holdings Announces New Share Repurchase Program

On October 20, 2025, QCR Holdings‘ board approved a new share repurchase program allowing the company to buy back up to 1.7 million shares, replacing the previous program from May 2022. In the third quarter of 2025, QCR Holdings reported a record net income of $36.7 million, driven by strong capital markets revenue, robust loan growth, and expanded net interest margins. The company also saw significant growth in noninterest income and maintained strong asset quality, with a decrease in nonperforming assets and criticized loans. The company’s strategic focus on core deposit growth and LIHTC lending has strengthened its market position, supporting future growth and enhancing stakeholder value.

QCR Holdings Completes $70 Million Private Placement

On September 15, 2025, QCR Holdings, Inc. completed a private placement of $70 million in subordinated notes, consisting of $50 million in 2035 Notes and $20 million in 2037 Notes. The proceeds will be used for general corporate purposes, including the redemption of existing subordinated notes. This strategic move supports the company’s long-term growth strategy and financial strength, with the new issuances maintaining its Tier 2 capital. The transaction was privately placed with a local company, emphasizing QCR Holdings’ commitment to community relationships.