QCR HOLDINGS INC (QCRH) Fundamental Analysis & Valuation

NASDAQ:QCRH • US74727A1043

85.99 USD
-2.25 (-2.55%)
At close: Mar 5, 2026
85.99 USD
0 (0%)
After Hours: 3/5/2026, 8:16:34 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This QCRH fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to QCRH. QCRH was compared to 379 industry peers in the Banks industry. While QCRH is still in line with the averages on profitability rating, there are concerns on its financial health. QCRH has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

4

1. QCRH Profitability Analysis

1.1 Basic Checks

  • In the past year QCRH was profitable.
  • In the past year QCRH had a positive cash flow from operations.
  • In the past 5 years QCRH has always been profitable.
  • Of the past 5 years QCRH 4 years had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

1.2 Ratios

  • QCRH has a Return On Assets of 1.27%. This is in the better half of the industry: QCRH outperforms 79.68% of its industry peers.
  • With a decent Return On Equity value of 11.20%, QCRH is doing good in the industry, outperforming 74.41% of the companies in the same industry.
Industry RankSector Rank
ROA 1.27%
ROE 11.2%
ROIC N/A
ROA(3y)1.31%
ROA(5y)1.36%
ROE(3y)11.89%
ROE(5y)12.62%
ROIC(3y)N/A
ROIC(5y)N/A
QCRH Yearly ROA, ROE, ROICQCRH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • QCRH's Profit Margin of 34.36% is amongst the best of the industry. QCRH outperforms 88.65% of its industry peers.
  • In the last couple of years the Profit Margin of QCRH has grown nicely.
  • 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) 34.36%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.48%
PM growth 5Y9.79%
GM growth 3YN/A
GM growth 5YN/A
QCRH Yearly Profit, Operating, Gross MarginsQCRH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. QCRH Health Analysis

2.1 Basic Checks

  • QCRH does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • QCRH has less shares outstanding than it did 1 year ago.
  • QCRH has more shares outstanding than it did 5 years ago.
  • QCRH has a worse debt/assets ratio than last year.
QCRH Yearly Shares OutstandingQCRH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
QCRH Yearly Total Debt VS Total AssetsQCRH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • The Debt to FCF ratio of QCRH is 2.02, which is a good value as it means it would take QCRH, 2.02 years of fcf income to pay off all of its debts.
  • QCRH has a Debt to FCF ratio of 2.02. This is comparable to the rest of the industry: QCRH outperforms 48.02% of its industry peers.
  • A Debt/Equity ratio of 0.38 indicates that QCRH is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.38, QCRH is not doing good in the industry: 72.03% of the companies in the same industry are doing better.
  • 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 RankSector Rank
Debt/Equity 0.38
Debt/FCF 2.02
Altman-Z N/A
ROIC/WACCN/A
WACC16.9%
QCRH Yearly LT Debt VS Equity VS FCFQCRH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. QCRH Growth Analysis

3.1 Past

  • QCRH shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.25%.
  • Measured over the past years, QCRH shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.51% on average per year.
  • The Revenue has been growing slightly by 6.40% in the past year.
  • QCRH shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.65% yearly.
EPS 1Y (TTM)7.25%
EPS 3Y3.55%
EPS 5Y14.51%
EPS Q2Q%9.84%
Revenue 1Y (TTM)6.4%
Revenue growth 3Y6.04%
Revenue growth 5Y5.65%
Sales Q2Q%11.68%

3.2 Future

  • The Earnings Per Share is expected to grow by 8.11% on average over the next years. This is quite good.
  • QCRH is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 24.34% yearly.
EPS Next Y9.45%
EPS Next 2Y8.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year46.42%
Revenue Next 2Y24.34%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
QCRH Yearly Revenue VS EstimatesQCRH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M
QCRH Yearly EPS VS EstimatesQCRH Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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Find the best growth stocksShow best growing peers

5

4. QCRH Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.40, the valuation of QCRH can be described as very reasonable.
  • QCRH's Price/Earnings ratio is in line with the industry average.
  • QCRH is valuated cheaply when we compare the Price/Earnings ratio to 26.74, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 10.42, the valuation of QCRH can be described as very reasonable.
  • QCRH's Price/Forward Earnings ratio is in line with the industry average.
  • QCRH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.82.
Industry RankSector Rank
PE 11.4
Fwd PE 10.42
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

  • Based on the Price/Free Cash Flow ratio, QCRH is valued cheaply inside the industry as 85.22% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.94
EV/EBITDA N/A
QCRH Per share dataQCRH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.21
PEG (5Y)0.79
EPS Next 2Y8.11%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. QCRH Dividend Analysis

5.1 Amount

  • QCRH has a yearly dividend return of 0.45%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.73, QCRH's dividend is way lower than its industry peers. On top of this 86.54% of the companies listed in the same industry pay a better dividend than QCRH!
  • With a Dividend Yield of 0.45, QCRH pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.45%

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
QCRH Yearly Dividends per shareQCRH Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15 0.2

5.3 Sustainability

  • 2.50% of the earnings are spent on dividend by QCRH. This is a low number and sustainable payout ratio.
DP2.5%
EPS Next 2Y8.11%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
QCRH Dividend Payout.QCRH Dividend Payout, showing the Payout Ratio.QCRH Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

QCRH Fundamentals: All Metrics, Ratios and Statistics

QCR HOLDINGS INC

NASDAQ:QCRH (3/5/2026, 8:16:34 PM)

After market: 85.99 0 (0%)

85.99

-2.25 (-2.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-20
Inst Owners79.59%
Inst Owner Change-1.8%
Ins Owners2.59%
Ins Owner Change0%
Market Cap1.44B
Revenue(TTM)369.54M
Net Income(TTM)121.75M
Analysts80
Price Target104.65 (21.7%)
Short Float %1.72%
Short Ratio3.05
Dividend
Industry RankSector Rank
Dividend Yield 0.45%
Yearly Dividend0.24
Dividend Growth(5Y)-0.12%
DP2.5%
Div Incr Years0
Div Non Decr Years22
Ex-Date03-19
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.89%
Min EPS beat(2)6.71%
Max EPS beat(2)21.08%
EPS beat(4)3
Avg EPS beat(4)9.25%
Min EPS beat(4)-0.04%
Max EPS beat(4)21.08%
EPS beat(8)7
Avg EPS beat(8)16.87%
EPS beat(12)11
Avg EPS beat(12)14.82%
EPS beat(16)13
Avg EPS beat(16)12.83%
Revenue beat(2)0
Avg Revenue beat(2)-7.44%
Min Revenue beat(2)-7.87%
Max Revenue beat(2)-7.01%
Revenue beat(4)0
Avg Revenue beat(4)-8.22%
Min Revenue beat(4)-9.63%
Max Revenue beat(4)-7.01%
Revenue beat(8)0
Avg Revenue beat(8)-9.47%
Revenue beat(12)1
Avg Revenue beat(12)-8.2%
Revenue beat(16)5
Avg Revenue beat(16)1.8%
PT rev (1m)12.01%
PT rev (3m)14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.12%
EPS NY rev (3m)2.12%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)23.97%
Revenue NY rev (3m)23.97%
Valuation
Industry RankSector Rank
PE 11.4
Fwd PE 10.42
P/S 4.05
P/FCF 6.94
P/OCF 5.45
P/B 1.32
P/tB 1.55
EV/EBITDA N/A
EPS(TTM)7.54
EY8.77%
EPS(NY)8.25
Fwd EY9.6%
FCF(TTM)12.38
FCFY14.4%
OCF(TTM)15.79
OCFY18.36%
SpS21.23
BVpS65.12
TBVpS55.61
PEG (NY)1.21
PEG (5Y)0.79
Graham Number105.11
Profitability
Industry RankSector Rank
ROA 1.27%
ROE 11.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.36%
GM N/A
FCFM 58.32%
ROA(3y)1.31%
ROA(5y)1.36%
ROE(3y)11.89%
ROE(5y)12.62%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.48%
PM growth 5Y9.79%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 2.02
Debt/EBITDA N/A
Cap/Depr 475.81%
Cap/Sales 16.03%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 169.73%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC16.9%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.25%
EPS 3Y3.55%
EPS 5Y14.51%
EPS Q2Q%9.84%
EPS Next Y9.45%
EPS Next 2Y8.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.4%
Revenue growth 3Y6.04%
Revenue growth 5Y5.65%
Sales Q2Q%11.68%
Revenue Next Year46.42%
Revenue Next 2Y24.34%
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 1Y-60.32%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-52.8%
OCF growth 3YN/A
OCF growth 5YN/A

QCR HOLDINGS INC / QCRH FAQ

Can you provide the ChartMill fundamental rating for QCR HOLDINGS INC?

ChartMill assigns a fundamental rating of 4 / 10 to QCRH.


Can you provide the valuation status for QCR HOLDINGS INC?

ChartMill assigns a valuation rating of 5 / 10 to QCR HOLDINGS INC (QCRH). This can be considered as Fairly Valued.


How profitable is QCR HOLDINGS INC (QCRH) stock?

QCR HOLDINGS INC (QCRH) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for QCRH stock?

The Price/Earnings (PE) ratio for QCR HOLDINGS INC (QCRH) is 11.4 and the Price/Book (PB) ratio is 1.32.


What is the financial health of QCR HOLDINGS INC (QCRH) stock?

The financial health rating of QCR HOLDINGS INC (QCRH) is 2 / 10.