Logo image of QCRH

QCR HOLDINGS INC (QCRH) Stock Fundamental Analysis

NASDAQ:QCRH - Nasdaq - US74727A1043 - Common Stock - Currency: USD

65.93  -0.44 (-0.66%)

After market: 65.93 0 (0%)

Fundamental Rating

5

QCRH gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 397 industry peers in the Banks industry. There are concerns on the financial health of QCRH while its profitability can be described as average. QCRH has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

5

1. Profitability

1.1 Basic Checks

In the past year QCRH was profitable.
QCRH had a positive operating cash flow in the past year.
Each year in the past 5 years QCRH has been profitable.
QCRH had a positive operating cash flow in each of the past 5 years.
QCRH Yearly Net Income VS EBIT VS OCF VS FCFQCRH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

The Return On Assets of QCRH (1.26%) is better than 82.37% of its industry peers.
Looking at the Return On Equity, with a value of 11.41%, QCRH is in the better half of the industry, outperforming 79.35% of the companies in the same industry.
Industry RankSector Rank
ROA 1.26%
ROE 11.41%
ROIC N/A
ROA(3y)1.28%
ROA(5y)1.3%
ROE(3y)12.35%
ROE(5y)12.37%
ROIC(3y)N/A
ROIC(5y)N/A
QCRH Yearly ROA, ROE, ROICQCRH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

QCRH has a better Profit Margin (32.78%) than 88.67% of its industry peers.
QCRH's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for QCRH so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 32.78%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.62%
PM growth 5Y6.01%
GM growth 3YN/A
GM growth 5YN/A
QCRH Yearly Profit, Operating, Gross MarginsQCRH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

3

2. Health

2.1 Basic Checks

QCRH does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, QCRH has more shares outstanding
QCRH has more shares outstanding than it did 5 years ago.
The debt/assets ratio for QCRH has been reduced compared to a year ago.
QCRH Yearly Shares OutstandingQCRH Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
QCRH Yearly Total Debt VS Total AssetsQCRH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

The Debt to FCF ratio of QCRH is 0.71, which is an excellent value as it means it would take QCRH, only 0.71 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of QCRH (0.71) is better than 78.84% of its industry peers.
A Debt/Equity ratio of 0.28 indicates that QCRH is not too dependend on debt financing.
The Debt to Equity ratio of QCRH (0.28) is worse than 67.51% of its industry peers.
Although QCRH does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 0.71
Altman-Z N/A
ROIC/WACCN/A
WACC18.86%
QCRH Yearly LT Debt VS Equity VS FCFQCRH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
QCRH Yearly Current Assets VS Current LiabilitesQCRH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

More info and screens

5

3. Growth

3.1 Past

QCRH shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.11%.
Measured over the past years, QCRH shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.51% on average per year.
QCRH shows a decrease in Revenue. In the last year, the revenue decreased by -2.47%.
Measured over the past years, QCRH shows a quite strong growth in Revenue. The Revenue has been growing by 8.18% on average per year.
EPS 1Y (TTM)3.11%
EPS 3Y3.61%
EPS 5Y13.51%
EPS Q2Q%-3.77%
Revenue 1Y (TTM)-2.47%
Revenue growth 3Y7.63%
Revenue growth 5Y8.18%
Sales Q2Q%40.55%

3.2 Future

The Earnings Per Share is expected to grow by 3.31% on average over the next years.
Based on estimates for the next years, QCRH will show a quite strong growth in Revenue. The Revenue will grow by 13.07% on average per year.
EPS Next Y-1.76%
EPS Next 2Y3.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.35%
Revenue Next 2Y13.07%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
QCRH Yearly Revenue VS EstimatesQCRH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
QCRH Yearly EPS VS EstimatesQCRH Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

More info and screens

6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.46, which indicates a very decent valuation of QCRH.
Based on the Price/Earnings ratio, QCRH is valued cheaply inside the industry as 81.11% of the companies are valued more expensively.
QCRH is valuated cheaply when we compare the Price/Earnings ratio to 28.10, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 8.79, the valuation of QCRH can be described as reasonable.
67.76% of the companies in the same industry are more expensive than QCRH, based on the Price/Forward Earnings ratio.
QCRH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.74.
Industry RankSector Rank
PE 9.46
Fwd PE 8.79
QCRH Price Earnings VS Forward Price EarningsQCRH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

QCRH's Price/Free Cash Flow ratio is rather cheap when compared to the industry. QCRH is cheaper than 96.47% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.79
EV/EBITDA N/A
QCRH Per share dataQCRH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.7
EPS Next 2Y3.31%
EPS Next 3YN/A

More info and screens

4

5. Dividend

5.1 Amount

QCRH has a yearly dividend return of 0.37%, which is pretty low.
Compared to an average industry Dividend Yield of 3.49, QCRH's dividend is way lower than its industry peers. On top of this 87.66% of the companies listed in the same industry pay a better dividend than QCRH!
With a Dividend Yield of 0.37, QCRH pays less dividend than the S&P500 average, which is at 2.43.
Industry RankSector Rank
Dividend Yield 0.37%

5.2 History

The dividend of QCRH decreases each year by -0.12%.
QCRH has been paying a dividend for at least 10 years, so it has a reliable track record.
QCRH has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)-0.12%
Div Incr Years0
Div Non Decr Years21
QCRH Yearly Dividends per shareQCRH Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

QCRH pays out 3.54% of its income as dividend. This is a sustainable payout ratio.
DP3.54%
EPS Next 2Y3.31%
EPS Next 3YN/A
QCRH Yearly Income VS Free CF VS DividendQCRH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
QCRH Dividend Payout.QCRH Dividend Payout, showing the Payout Ratio.QCRH Dividend Payout.PayoutRetained Earnings

More info and screens

QCR HOLDINGS INC

NASDAQ:QCRH (5/5/2025, 8:00:01 PM)

After market: 65.93 0 (0%)

65.93

-0.44 (-0.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners75.08%
Inst Owner Change-0.18%
Ins Owners3.26%
Ins Owner Change1.31%
Market Cap1.12B
Analysts83.64
Price Target97.31 (47.6%)
Short Float %1.47%
Short Ratio2.66
Dividend
Industry RankSector Rank
Dividend Yield 0.37%
Yearly Dividend0.24
Dividend Growth(5Y)-0.12%
DP3.54%
Div Incr Years0
Div Non Decr Years21
Ex-Date03-19 2025-03-19 (0.06)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.86%
Min EPS beat(2)9.25%
Max EPS beat(2)14.48%
EPS beat(4)4
Avg EPS beat(4)16.11%
Min EPS beat(4)9.25%
Max EPS beat(4)20.7%
EPS beat(8)8
Avg EPS beat(8)18.35%
EPS beat(12)11
Avg EPS beat(12)14.95%
EPS beat(16)14
Avg EPS beat(16)12.58%
Revenue beat(2)0
Avg Revenue beat(2)-6.55%
Min Revenue beat(2)-8.35%
Max Revenue beat(2)-4.74%
Revenue beat(4)0
Avg Revenue beat(4)-11.15%
Min Revenue beat(4)-15.9%
Max Revenue beat(4)-4.74%
Revenue beat(8)0
Avg Revenue beat(8)-12.75%
Revenue beat(12)4
Avg Revenue beat(12)1.27%
Revenue beat(16)8
Avg Revenue beat(16)13.15%
PT rev (1m)-2.65%
PT rev (3m)-1.65%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.84%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.12%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.39%
Valuation
Industry RankSector Rank
PE 9.46
Fwd PE 8.79
P/S 3.21
P/FCF 2.79
P/OCF 2.51
P/B 1.12
P/tB 1.34
EV/EBITDA N/A
EPS(TTM)6.97
EY10.57%
EPS(NY)7.5
Fwd EY11.38%
FCF(TTM)23.64
FCFY35.86%
OCF(TTM)26.27
OCFY39.85%
SpS20.53
BVpS58.95
TBVpS49.09
PEG (NY)N/A
PEG (5Y)0.7
Profitability
Industry RankSector Rank
ROA 1.26%
ROE 11.41%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.78%
GM N/A
FCFM 115.18%
ROA(3y)1.28%
ROA(5y)1.3%
ROE(3y)12.35%
ROE(5y)12.37%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.62%
PM growth 5Y6.01%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 0.71
Debt/EBITDA N/A
Cap/Depr 396.15%
Cap/Sales 12.81%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 351.38%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC18.86%
ROIC/WACCN/A
Cap/Depr(3y)279.48%
Cap/Depr(5y)217.15%
Cap/Sales(3y)9.26%
Cap/Sales(5y)6.87%
Profit Quality(3y)251.93%
Profit Quality(5y)201.77%
High Growth Momentum
Growth
EPS 1Y (TTM)3.11%
EPS 3Y3.61%
EPS 5Y13.51%
EPS Q2Q%-3.77%
EPS Next Y-1.76%
EPS Next 2Y3.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.47%
Revenue growth 3Y7.63%
Revenue growth 5Y8.18%
Sales Q2Q%40.55%
Revenue Next Year10.35%
Revenue Next 2Y13.07%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y10.7%
FCF growth 3Y75.35%
FCF growth 5Y44.23%
OCF growth 1Y18.13%
OCF growth 3Y71.45%
OCF growth 5Y42.18%