QCR Holdings (QCRH) AI Stock Analysis

• Market Cap: $1.27B
• Dividend Yield: 0.32%
• Average Volume (3M): 106.46K
• Price to Earnings (P/E): 11.3
• Beta (1Y): 0.85
• Revenue Growth: 4.17%
• EPS Growth: -0.91%
• Country: US
• Employees: 972
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 16,931,417
• 10 Day Avg. Volume: 121,712
• 30 Day Avg. Volume: 106,457
• PEG Ratio: -1.46
• Price to Book (P/B): 1.07
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 9.69
• Enterprise Value/Market Cap: 0.57
• Enterprise Value/Revenue: 0.37
• Enterprise Value/Gross Profit: 1.82
• Enterprise Value/Ebitda: 2.27
• 1Y Price Target: $83.00
• Price Target Upside: 10.15% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 76 Outperform
• Price Target: $83.00 ▲(10.15%Upside)

QCR Holdings demonstrates strong financial performance and a solid market position, supported by robust deposit growth and asset quality. However, technical indicators show mixed signals, and macroeconomic uncertainties pose potential risks. The company's valuation is reasonable but not particularly attractive for income investors.

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 makes money primarily through the interest income generated from loans and securities. Its subsidiary banks offer various loan products, including commercial and industrial loans, real estate loans, and consumer loans, which generate interest income. Additionally, the company earns revenue from service charges and fees associated with deposit accounts, treasury management services, and wealth management and advisory services. QCR Holdings also benefits from investment income on securities and gains from the sale of loans. The company's strategic focus includes expanding its loan portfolio, enhancing its fee-based services, and maintaining a strong net interest margin. Partnerships with local businesses and community involvement are significant factors in QCR Holdings' earnings, helping to drive customer loyalty and deposit growth.

QCR Holdings Financial Statement Overview

Summary

QCR Holdings exhibits strong revenue growth, a healthy net profit margin, and improved leverage. However, the incomplete income statement data for 2024 and the sharp decline in total debt require further scrutiny.

Income Statement

QCR Holdings has demonstrated strong revenue growth over the years, with a notable increase from $218.1 million in 2019 to $343.2 million in 2023. The net profit margin has remained healthy, reaching 33% in 2023, which indicates efficient cost management. However, the EBIT margin was not available for 2024 due to zero EBIT, which raises concerns about operating profitability. The 2024 data suggests a significant drop in total revenue, but this is likely due to incomplete data for that year.

Balance Sheet

The company's debt-to-equity ratio has improved from 0.50 in 2019 to 0.18 in 2023, indicating reduced leverage and increased financial stability. The return on equity (ROE) is strong, at 12.81% in 2023, showing effective use of equity capital. The equity ratio has also improved, reflecting a solid capital structure. However, there is a sharp decline in total debt in 2024, which needs further verification for sustainability.

Cash Flow

QCR Holdings' operating cash flow has grown consistently, with significant increases from $76.5 million in 2019 to $376.3 million in 2023. The free cash flow to net income ratio is impressive at 3.92 in 2023, indicating strong cash generation relative to net income. The company has managed to maintain positive free cash flow despite fluctuating capital expenditures.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	337.71M	343.21M	304.16M	271.84M	275.16M
Gross Profit	59.78K	337.15M	304.16M	271.84M	275.16M
EBITDA	0.00	138.28M	124.06M	128.86M	80.77M
Net Income	113.85M	113.56M	99.07M	98.91M	60.58M
Balance Sheet
Total Assets	9.03B	8.54B	7.95B	6.10B	5.71B
Cash, Cash Equivalents and Short-Term Investments	516.28M	132.57M	468.04M	450.61M	509.89M
Total Debt	567.73M	716.79M	696.26M	167.00M	171.68M
Total Liabilities	8.03B	7.65B	696.26M	167.00M	171.68M
Stockholders Equity	997.39M	886.60M	772.72M	677.01M	593.79M
Cash Flow
Free Cash Flow	400.05M	361.38M	85.44M	74.24M	107.91M
Operating Cash Flow	444.54M	376.32M	118.70M	88.22M	112.18M
Investing Cash Flow	-845.23M	-749.27M	-634.69M	-411.77M	-704.48M
Financing Cash Flow	395.30M	410.35M	538.23M	299.71M	577.38M

QCR Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 75.35
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• 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 75.35 is above the 20-day moving average (MA) of 71.35, above the 50-day MA of 69.02, and below the 200-day MA of 75.48, indicating a neutral trend. The MACD of 1.97 indicates Negative momentum. The RSI at 66.86 is Neutral, neither overbought nor oversold. The STOCH value of 81.67 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
BY	77 Outperform	$1.16B	10.30	11.08%	1.37%	7.63%	-1.13%
QCRH	76 Outperform	$1.27B	11.30	11.70%	0.32%	4.17%	-0.91%
BHLB	76 Outperform	$1.22B	10.72	9.69%	3.44%	17.96%	399.48%
RBCAA	76 Outperform	$1.31B	11.97	12.34%	2.29%	9.00%	27.47%
LOB	76 Outperform	$1.45B	24.37	6.10%	0.38%	12.30%	-41.81%
Sector *	68 Neutral	$16.89B	11.69	9.78%	3.90%	11.76%	-7.55%
DCOM	67 Neutral	$1.26B	45.34	2.45%	4.37%	-2.81%	-64.24%

QCR Holdings Corporate Events

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.

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 Highlights Strong Financial Performance

On April 25, 2025, QCR Holdings, Inc. released a presentation on its website highlighting its distinct operating model and strong financial performance. The company emphasized its local charter autonomy, which attracts top bankers, and its leading market position in growing mid-sized metros. QCR Holdings reported a 1.45% adjusted return on average assets over the past five years and significant growth in tangible book value and earnings per share. The company derives a substantial portion of its revenue from noninterest income, and its disciplined credit culture and experienced management team contribute to its success. The announcement underscores QCR Holdings’ ability to deliver shareholder value and maintain a strong market position.