QCR HOLDINGS INC (QCRH) Fundamental Analysis & Valuation

NASDAQ:QCRH • US74727A1043

Current stock price

90.79 USD
-1.15 (-1.25%)
At close:
90.79 USD
0 (0%)
After Hours:

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

5

1. QCRH Profitability Analysis

1.1 Basic Checks

  • QCRH had positive earnings in the past year.
  • In the past year QCRH had a positive cash flow from operations.
  • QCRH had positive earnings in each of the past 5 years.
  • Each year in the past 5 years QCRH 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 better Return On Assets (1.33%) than 80.79% of its industry peers.
  • QCRH has a better Return On Equity (11.44%) than 74.74% of its industry peers.
Industry RankSector Rank
ROA 1.33%
ROE 11.44%
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 has a better Profit Margin (34.42%) than 88.95% of its industry peers.
  • 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) 34.42%
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

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3

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.
  • Compared to 1 year ago, QCRH has less shares outstanding
  • QCRH has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for QCRH is higher compared to a year ago.
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

  • QCRH has a debt to FCF ratio of 1.11. This is a very positive value and a sign of high solvency as it would only need 1.11 years to pay back of all of its debts.
  • QCRH has a better Debt to FCF ratio (1.11) than 66.05% of its industry peers.
  • QCRH has a Debt/Equity ratio of 0.35. This is a healthy value indicating a solid balance between debt and equity.
  • QCRH has a Debt to Equity ratio of 0.35. This is in the lower half of the industry: QCRH underperforms 71.32% of its industry peers.
  • Although QCRH's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 0.35
Debt/FCF 1.11
Altman-Z N/A
ROIC/WACCN/A
WACC15.23%
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%.
  • QCRH shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.51% yearly.
  • Looking at the last year, QCRH shows a small growth in Revenue. The Revenue has grown by 6.40% in the last year.
  • The Revenue has been growing slightly by 5.65% on average over the past years.
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

  • QCRH is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.14% yearly.
  • QCRH is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 24.34% yearly.
EPS Next Y9.18%
EPS Next 2Y8.14%
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.
  • 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 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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5

4. QCRH Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.04, QCRH is valued correctly.
  • QCRH's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of QCRH to the average of the S&P500 Index (26.78), we can say QCRH is valued rather cheaply.
  • QCRH is valuated reasonably with a Price/Forward Earnings ratio of 11.03.
  • QCRH's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.54, QCRH is valued rather cheaply.
Industry RankSector Rank
PE 12.04
Fwd PE 11.03
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 94.21% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.29
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)1.31
PEG (5Y)0.83
EPS Next 2Y8.14%
EPS Next 3YN/A

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

5

5. QCRH Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.48%, QCRH is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.73, QCRH's dividend is way lower than its industry peers. On top of this 85.53% of the companies listed in the same industry pay a better dividend than QCRH!
  • With a Dividend Yield of 0.48, QCRH pays less dividend than the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 0.48%

5.2 History

  • The dividend of QCRH has a limited annual growth rate of 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 Years23
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

  • 3.19% of the earnings are spent on dividend by QCRH. This is a low number and sustainable payout ratio.
  • QCRH's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP3.19%
EPS Next 2Y8.14%
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

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QCRH Fundamentals: All Metrics, Ratios and Statistics

QCR HOLDINGS INC

NASDAQ:QCRH (4/10/2026, 8:00:01 PM)

After market: 90.79 0 (0%)

90.79

-1.15 (-1.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-22
Inst Owners80.12%
Inst Owner Change0%
Ins Owners2.61%
Ins Owner Change0.5%
Market Cap1.52B
Revenue(TTM)369.54M
Net Income(TTM)127.19M
Analysts80
Price Target104.65 (15.27%)
Short Float %1.66%
Short Ratio2.44
Dividend
Industry RankSector Rank
Dividend Yield 0.48%
Yearly Dividend0.24
Dividend Growth(5Y)0.12%
DP3.19%
Div Incr Years0
Div Non Decr Years23
Ex-Date03-19
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.83%
Min EPS beat(2)4.58%
Max EPS beat(2)21.08%
EPS beat(4)3
Avg EPS beat(4)8.08%
Min EPS beat(4)-0.04%
Max EPS beat(4)21.08%
EPS beat(8)7
Avg EPS beat(8)12.1%
EPS beat(12)11
Avg EPS beat(12)14.93%
EPS beat(16)14
Avg EPS beat(16)13.23%
Revenue beat(2)0
Avg Revenue beat(2)-7.87%
Min Revenue beat(2)-8.74%
Max Revenue beat(2)-7.01%
Revenue beat(4)0
Avg Revenue beat(4)-8.31%
Min Revenue beat(4)-9.63%
Max Revenue beat(4)-7.01%
Revenue beat(8)0
Avg Revenue beat(8)-9.73%
Revenue beat(12)0
Avg Revenue beat(12)-11.27%
Revenue beat(16)4
Avg Revenue beat(16)-1.13%
PT rev (1m)0%
PT rev (3m)12.01%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.9%
EPS NY rev (1m)0%
EPS NY rev (3m)1.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)23.17%
Revenue NY rev (1m)0%
Revenue NY rev (3m)23.97%
Valuation
Industry RankSector Rank
PE 12.04
Fwd PE 11.03
P/S 4.11
P/FCF 4.29
P/OCF 3.6
P/B 1.37
P/tB 1.59
EV/EBITDA N/A
EPS(TTM)7.54
EY8.3%
EPS(NY)8.23
Fwd EY9.07%
FCF(TTM)21.17
FCFY23.31%
OCF(TTM)25.2
OCFY27.75%
SpS22.09
BVpS66.49
TBVpS57.15
PEG (NY)1.31
PEG (5Y)0.83
Graham Number106.2
Profitability
Industry RankSector Rank
ROA 1.33%
ROE 11.44%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.42%
GM N/A
FCFM 95.82%
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 1.11
Debt/EBITDA N/A
Cap/Depr 548.01%
Cap/Sales 18.25%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 278.4%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC15.23%
ROIC/WACCN/A
Cap/Depr(3y)357.43%
Cap/Depr(5y)315.13%
Cap/Sales(3y)11.76%
Cap/Sales(5y)10.21%
Profit Quality(3y)316%
Profit Quality(5y)221.84%
High Growth Momentum
Growth
EPS 1Y (TTM)7.25%
EPS 3Y3.55%
EPS 5Y14.51%
EPS Q2Q%9.84%
EPS Next Y9.18%
EPS Next 2Y8.14%
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-11.48%
FCF growth 3Y60.65%
FCF growth 5Y26.83%
OCF growth 1Y-5.17%
OCF growth 3Y52.57%
OCF growth 5Y30.31%

QCR HOLDINGS INC / QCRH Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 5 / 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.


Can you provide the profitability details for QCR HOLDINGS INC?

QCR HOLDINGS INC (QCRH) has a profitability rating of 5 / 10.


What is the valuation of QCR HOLDINGS INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for QCR HOLDINGS INC (QCRH) is 12.04 and the Price/Book (PB) ratio is 1.37.


Is the dividend of QCR HOLDINGS INC sustainable?

The dividend rating of QCR HOLDINGS INC (QCRH) is 5 / 10 and the dividend payout ratio is 3.19%.