89.49 USD
+1.36 (+1.54%)
89.49 USD
0 (0%)
QCRH gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 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 valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year QCRH was profitable.
- QCRH had a positive operating cash flow in the past year.
- QCRH had positive earnings in 4 of the past 5 years.
- QCRH had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With an excellent Return On Assets value of 1.27%, QCRH belongs to the best of the industry, outperforming 80.94% of the companies in the same industry.
- The Return On Equity of QCRH (11.20%) is better than 75.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.27% | ||
| ROE | 11.2% | ||
| 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
- QCRH's Profit Margin of 34.36% is amongst the best of the industry. QCRH outperforms 89.56% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 34.36% | ||
| 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
2. Health
2.1 Basic Checks
- QCRH does not have a ROIC to compare to the WACC, probably because it is not profitable.
- QCRH has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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.
- With a Debt to FCF ratio value of 2.02, QCRH perfoms like the industry average, outperforming 47.78% of the companies in the same industry.
- A Debt/Equity ratio of 0.38 indicates that QCRH is not too dependend on debt financing.
- QCRH's Debt to Equity ratio of 0.38 is on the low side compared to the rest of the industry. QCRH is outperformed by 72.06% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 2.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.75%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
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.
EPS 1Y (TTM)7.25%
EPS 3Y3.55%
EPS 5Y14.51%
EPS Q2Q%9.84%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.68%
3.2 Future
- The Earnings Per Share is expected to grow by 5.77% on average over the next years.
- QCRH is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.79% yearly.
EPS Next Y7.18%
EPS Next 2Y5.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.11%
Revenue Next 2Y13.79%
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 11.87, which indicates a very decent valuation of QCRH.
- The rest of the industry has a similar Price/Earnings ratio as QCRH.
- QCRH is valuated cheaply when we compare the Price/Earnings ratio to 28.60, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 11.07, the valuation of QCRH can be described as very reasonable.
- QCRH's Price/Forward Earnings is on the same level as the industry average.
- QCRH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.87 | ||
| Fwd PE | 11.07 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of QCRH indicates a rather cheap valuation: QCRH is cheaper than 84.86% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.29 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- QCRH's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.65
PEG (5Y)0.82
EPS Next 2Y5.77%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- QCRH has a yearly dividend return of 0.27%, which is pretty low.
- With a Dividend Yield of 0.27, QCRH pays less dividend than the industry average, which is at 2.60. 86.68% of the companies listed in the same industry pay a better dividend than QCRH!
- Compared to an average S&P500 Dividend Yield of 1.82, QCRH's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.27% |
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 Years22
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 2Y5.77%
EPS Next 3YN/A
QCR HOLDINGS INC / QCRH FAQ
Can you provide the ChartMill fundamental rating for QCR HOLDINGS INC?
ChartMill assigns a fundamental rating of 3 / 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 11.87 and the Price/Book (PB) ratio is 1.39.
What is the financial health of QCR HOLDINGS INC (QCRH) stock?
The financial health rating of QCR HOLDINGS INC (QCRH) is 2 / 10.