QCRH Fundamental Analysis - QCR HOLDINGS INC

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to QCRH. QCRH was compared to 395 industry peers in the Banks industry. QCRH has a medium profitability rating, but doesn't score so well on its financial health evaluation. QCRH is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

QCRH had positive earnings in the past year.

In the past year QCRH had a positive cash flow from operations.

In the past 5 years QCRH has always been profitable.

In the past 5 years QCRH always reported a positive cash flow from operatings.

1.2 Ratios

The Return On Assets of QCRH (1.23%) is better than 80.00% of its industry peers.

With a decent Return On Equity value of 11.04%, QCRH is doing good in the industry, outperforming 77.72% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.23%
ROE	11.04%
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

1.3 Margins

The Profit Margin of QCRH (32.96%) is better than 88.10% of its industry peers.

In the last couple of years the Profit Margin of QCRH has grown nicely.

The Operating Margin and Gross Margin are not available for QCRH so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	32.96%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 1 year ago, QCRH has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of QCRH is 0.72, which is an excellent value as it means it would take QCRH, only 0.72 years of fcf income to pay off all of its debts.

With a decent Debt to FCF ratio value of 0.72, QCRH is doing good in the industry, outperforming 79.24% of the companies in the same industry.

A Debt/Equity ratio of 0.28 indicates that QCRH is not too dependend on debt financing.

QCRH has a Debt to Equity ratio of 0.28. This is in the lower half of the industry: QCRH underperforms 69.11% of its industry peers.

Even though the debt/equity ratio score it not favorable for QCRH, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.

		Industry Rank	Sector Rank
Debt/Equity	0.28
Debt/FCF	0.72
Altman-Z	N/A

ROIC/WACCN/A

WACC19.65%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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%.

QCRH shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.51% yearly.

The Revenue has decreased by -2.47% in the past year.

The Revenue has been growing by 8.18% on average over the past years. This is quite good.

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%9.67%

3.2 Future

Based on estimates for the next years, QCRH will show a small growth in Earnings Per Share. The EPS will grow by 1.80% on average per year.

The Revenue is expected to grow by 7.78% on average over the next years.

EPS Next Y-3.62%

EPS Next 2Y1.8%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year8.47%

Revenue Next 2Y7.78%

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 stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.27 indicates a reasonable valuation of QCRH.

Based on the Price/Earnings ratio, QCRH is valued cheaper than 82.53% of the companies in the same industry.

QCRH is valuated cheaply when we compare the Price/Earnings ratio to 26.35, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 8.87, the valuation of QCRH can be described as very reasonable.

QCRH's Price/Forward Earnings ratio is in line with the industry average.

QCRH is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.27
Fwd PE	8.87

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, QCRH is valued cheaper than 96.96% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	2.76
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.69

EPS Next 2Y1.8%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

QCRH has a yearly dividend return of 0.36%, which is pretty low.

Compared to an average industry Dividend Yield of 3.56, QCRH's dividend is way lower than its industry peers. On top of this 87.34% of the companies listed in the same industry pay a better dividend than QCRH!

With a Dividend Yield of 0.36, QCRH pays less dividend than the S&P500 average, which is at 2.42.

		Industry Rank	Sector Rank
Dividend Yield	0.36%

5.2 History

The dividend of QCRH decreases each year by -0.12%.

QCRH has paid a dividend for at least 10 years, which is 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 Years22

5.3 Sustainability

3.58% of the earnings are spent on dividend by QCRH. This is a low number and sustainable payout ratio.

DP3.58%

EPS Next 2Y1.8%

EPS Next 3YN/A

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QCR HOLDINGS INC

NASDAQ:QCRH (6/20/2025, 8:00:02 PM)

After market: 64.61 0 (0%)

64.61

+0.29 (+0.45%)

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 Owners75.85%

Inst Owner Change1.56%

Ins Owners2.54%

Ins Owner Change1.31%

Market Cap1.09B

Analysts83.64

Price Target86.5 (33.88%)

Short Float %1.63%

Short Ratio3.06

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.36%

Yearly Dividend0.24

Dividend Growth(5Y)-0.12%

DP3.58%

Div Incr Years0

Div Non Decr Years22

Ex-Date06-18 2025-06-18 (0.06)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)4.6%

Min EPS beat(2)-0.04%

Max EPS beat(2)9.25%

EPS beat(4)3

Avg EPS beat(4)11.1%

Min EPS beat(4)-0.04%

Max EPS beat(4)20.7%

EPS beat(8)7

Avg EPS beat(8)17.45%

EPS beat(12)10

Avg EPS beat(12)14.87%

EPS beat(16)13

Avg EPS beat(16)12.2%

Revenue beat(2)0

Avg Revenue beat(2)-8.99%

Min Revenue beat(2)-9.63%

Max Revenue beat(2)-8.35%

Revenue beat(4)0

Avg Revenue beat(4)-9.58%

Min Revenue beat(4)-15.61%

Max Revenue beat(4)-4.74%

Revenue beat(8)0

Avg Revenue beat(8)-11.78%

Revenue beat(12)3

Avg Revenue beat(12)-1.93%

Revenue beat(16)7

Avg Revenue beat(16)9.65%

PT rev (1m)0%

PT rev (3m)-13.47%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-1.7%

EPS NY rev (1m)0%

EPS NY rev (3m)-1.88%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.3%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-1.7%

Valuation

		Industry Rank	Sector Rank
PE	9.27
Fwd PE	8.87
P/S	3.19
P/FCF	2.76
P/OCF	2.5
P/B	1.07
P/tB	1.27
EV/EBITDA	N/A

EPS(TTM)6.97

EY10.79%

EPS(NY)7.29

Fwd EY11.28%

FCF(TTM)23.44

FCFY36.27%

OCF(TTM)25.89

OCFY40.06%

SpS20.24

BVpS60.41

TBVpS50.74

PEG (NY)N/A

PEG (5Y)0.69

Profitability

		Industry Rank	Sector Rank
ROA	1.23%
ROE	11.04%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	32.96%
GM	N/A
FCFM	115.8%

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 Rank	Sector Rank
Debt/Equity	0.28
Debt/FCF	0.72
Debt/EBITDA	N/A
Cap/Depr	371.24%
Cap/Sales	12.1%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	351.37%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC19.65%

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-3.62%

EPS Next 2Y1.8%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-2.47%

Revenue growth 3Y7.63%

Revenue growth 5Y8.18%

Sales Q2Q%9.67%

Revenue Next Year8.47%

Revenue Next 2Y7.78%

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 1Y288.99%

FCF growth 3Y75.35%

FCF growth 5Y44.23%

OCF growth 1Y228.02%

OCF growth 3Y71.45%

OCF growth 5Y42.18%

QCR HOLDINGS INC (QCRH) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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