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QCR HOLDINGS INC (QCRH) Stock Fundamental Analysis

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

64.16  -0.96 (-1.47%)

After market: 64.16 0 (0%)

Fundamental Rating

5

Taking everything into account, QCRH scores 5 out of 10 in our fundamental rating. QCRH was compared to 398 industry peers in the Banks industry. There are concerns on the financial health of QCRH while its profitability can be described as average. QCRH is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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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.
In the past 5 years QCRH has always 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

QCRH's Return On Assets of 1.26% is amongst the best of the industry. QCRH outperforms 82.41% of its industry peers.
With a decent Return On Equity value of 11.41%, QCRH is doing good in the industry, outperforming 79.40% 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

Looking at the Profit Margin, with a value of 32.78%, QCRH belongs to the top of the industry, outperforming 88.69% of the companies in the same industry.
QCRH's Profit Margin has improved in the last couple of years.
QCRH does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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

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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.
Compared to 1 year ago, QCRH has an improved debt to assets ratio.
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.
With a decent Debt to FCF ratio value of 0.71, QCRH is doing good in the industry, outperforming 78.64% 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 worse Debt to Equity ratio (0.28) than 67.34% 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
WACC18.98%
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

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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.
The Revenue has decreased by -2.47% in the past year.
QCRH shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.18% yearly.
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

QCRH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.31% yearly.
QCRH is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.07% yearly.
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

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6

4. Valuation

4.1 Price/Earnings Ratio

QCRH is valuated reasonably with a Price/Earnings ratio of 9.21.
81.66% of the companies in the same industry are more expensive than QCRH, based on the Price/Earnings ratio.
QCRH is valuated cheaply when we compare the Price/Earnings ratio to 28.79, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.55, which indicates a very decent valuation of QCRH.
69.10% of the companies in the same industry are more expensive than QCRH, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.38, QCRH is valued rather cheaply.
Industry RankSector Rank
PE 9.21
Fwd PE 8.55
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 96.48% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.71
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)0.68
EPS Next 2Y3.31%
EPS Next 3YN/A

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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 3.54, QCRH's dividend is way lower than its industry peers. On top of this 87.69% 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 2.47.
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 their dividend for at least 10 years, which is a reliable track record.
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

3.54% of the earnings are spent on dividend by QCRH. This is a low number and 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

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QCR HOLDINGS INC

NASDAQ:QCRH (4/25/2025, 8:00:01 PM)

After market: 64.16 0 (0%)

64.16

-0.96 (-1.47%)

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-0.42%
Ins Owners3.26%
Ins Owner Change1.21%
Market Cap1.09B
Analysts83.64
Price Target97.31 (51.67%)
Short Float %1.36%
Short Ratio2.48
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.54%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.52%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.39%
Valuation
Industry RankSector Rank
PE 9.21
Fwd PE 8.55
P/S 3.13
P/FCF 2.71
P/OCF 2.44
P/B 1.09
P/tB 1.31
EV/EBITDA N/A
EPS(TTM)6.97
EY10.86%
EPS(NY)7.5
Fwd EY11.7%
FCF(TTM)23.64
FCFY36.85%
OCF(TTM)26.27
OCFY40.95%
SpS20.53
BVpS58.95
TBVpS49.09
PEG (NY)N/A
PEG (5Y)0.68
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
WACC18.98%
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%