QCR Holdings (QCRH) AI Stock Analysis

• Market Cap: $1.30B
• Dividend Yield: 0.31%
• Average Volume (3M): 106.77K
• Price to Earnings (P/E): 10.8
• Beta (1Y): 0.88
• 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: 16,892,130
• 10 Day Avg. Volume: 101,464
• 30 Day Avg. Volume: 106,768
• 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: 1.47
• Enterprise Value/Revenue: 3.75
• Enterprise Value/Gross Profit: 6.12
• Enterprise Value/Ebitda: 14.64
• 1Y Price Target: $90.00
• Price Target Upside: 17.99% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4
• EPS Forecast (FY): 7.26
• Revenue Forecast (FY): $390.81M

• Rating: 76 Outperform
• Price Target: $82.00 ▲(7.50% Upside)

QCR Holdings' strong financial performance and positive earnings call are the primary drivers of its score. The stock's attractive valuation further supports its potential, while technical indicators suggest a neutral market sentiment. The company's strategic initiatives and robust loan growth are promising for future performance.

QCR Holdings Business Overview & Revenue Model

Company Description

QCR Holdings, Inc. (QCRH) is a financial holding company based in the United States that operates through its subsidiary banks. The company primarily offers a range of banking products and services, including commercial and consumer loans, deposit services, and wealth management. QCRH operates in multiple sectors, focusing on providing financial solutions to businesses and individuals. Its subsidiaries include community banks that serve various markets across Iowa, Illinois, and Wisconsin, emphasizing personalized customer service and local market knowledge.

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 presents a stable financial position with strong profitability and efficient cash flow management. Despite challenges 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	510.79M	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	130.85M	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	376.29M	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: Positive
• Last Price: 76.28
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• 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 76.28 is above the 20-day moving average (MA) of 73.01, above the 50-day MA of 75.50, and above the 200-day MA of 72.34, indicating a bullish trend. The MACD of 0.45 indicates Negative momentum. The RSI at 55.94 is Neutral, neither overbought nor oversold. The STOCH value of 81.11 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	76 Outperform	$1.30B	10.76	11.80%	0.31%	-2.42%	3.83%
RBCAA	74 Outperform	$1.14B	10.07	12.35%	2.68%	5.25%	24.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HOPE	65 Neutral	$1.33B	26.27	2.19%	5.33%	-7.89%	―
CNOB	63 Neutral	$1.21B	19.50	4.40%	3.02%	15.55%	-28.10%
DCOM	61 Neutral	$1.15B	23.02	4.23%	3.79%	-1.79%	-23.87%
BY	58 Neutral	$1.25B	9.68	10.78%	1.48%	1.46%	2.02%

QCR Holdings Corporate Events

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.

The most recent analyst rating on (QCRH) stock is a Buy with a $92.50 price target. To see the full list of analyst forecasts on QCR Holdings stock, see the QCRH Stock Forecast page.

QCR Holdings Reports Record Quarterly Earnings

QCR Holdings, Inc., headquartered in Moline, Illinois, is a multi-bank holding company that provides commercial and consumer banking, as well as trust and wealth management services through its subsidiary banks across Iowa, Missouri, and Illinois. The company recently reported a record quarterly net income of $36.7 million for the third quarter of 2025, marking a significant increase from the previous quarter. This achievement was driven by strong capital markets revenue, robust loan growth, and an expansion in net interest margin.

QCR Holdings’ Earnings Call: Record Growth and Optimism

QCR Holdings’ recent earnings call exuded a positive sentiment, underscoring the company’s robust financial performance. The call highlighted record net income, significant earnings per share growth, and a notable increase in capital markets revenue. Despite challenges such as increased noninterest expenses and a higher effective tax rate, the overall sentiment was optimistic, reflecting strong operational success and strategic achievements.

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.

The most recent analyst rating on (QCRH) stock is a Hold with a $83.00 price target. To see the full list of analyst forecasts on QCR Holdings stock, see the QCRH Stock Forecast page.

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.

The most recent analyst rating on (QCRH) stock is a Buy with a $86.00 price target. To see the full list of analyst forecasts on QCR Holdings stock, see the QCRH Stock Forecast page.

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.

The most recent analyst rating on (QCRH) stock is a Buy with a $80.00 price target. To see the full list of analyst forecasts on QCR Holdings stock, see the QCRH Stock Forecast page.