QCR HOLDINGS INC (QCRH) Stock Fundamental Analysis
NASDAQ:QCRH - US74727A1043 - Common Stock
78.38 USD
-0.18 (-0.22%)
78.38 USD
0 (0%)
Overall QCRH gets a fundamental rating of 4 out of 10. We evaluated QCRH against 395 industry peers in the Banks industry. There are concerns on the financial health of QCRH while its profitability can be described as average. QCRH has a correct valuation and a medium growth rate.
1. Profitability
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.
In the past 5 years QCRH always reported a positive cash flow from operatings.
1.2 Ratios
QCRH has a better Return On Assets (1.22%) than 80.30% of its industry peers.
QCRH's Return On Equity of 10.74% is fine compared to the rest of the industry. QCRH outperforms 75.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.22% | ||
| ROE | 10.74% | ||
| 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 33.21% is amongst the best of the industry. QCRH outperforms 88.64% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 33.21% | ||
| 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 more shares outstanding than it did 1 year ago.
The number of shares outstanding for QCRH has been increased compared to 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 0.70, which is an excellent value as it means it would take QCRH, only 0.70 years of fcf income to pay off all of its debts.
QCRH has a better Debt to FCF ratio (0.70) than 80.05% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that QCRH is not too dependend on debt financing.
QCRH's Debt to Equity ratio of 0.27 is on the low side compared to the rest of the industry. QCRH is outperformed by 66.67% 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 | 0.27 | ||
| Debt/FCF | 0.7 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.72%
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 2.50%.
QCRH shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.51% yearly.
Looking at the last year, QCRH shows a decrease in Revenue. The Revenue has decreased by -3.80% in the last year.
Measured over the past years, QCRH shows a quite strong growth in Revenue. The Revenue has been growing by 8.18% on average per year.
EPS 1Y (TTM)2.5%
EPS 3Y3.61%
EPS 5Y13.51%
EPS Q2Q%0%
Revenue 1Y (TTM)-3.8%
Revenue growth 3Y7.63%
Revenue growth 5Y8.18%
Sales Q2Q%10.54%
3.2 Future
The Earnings Per Share is expected to grow by 2.72% on average over the next years.
Based on estimates for the next years, QCRH will show a small growth in Revenue. The Revenue will grow by 7.70% on average per year.
EPS Next Y-1.05%
EPS Next 2Y2.55%
EPS Next 3Y2.72%
EPS Next 5YN/A
Revenue Next Year8.3%
Revenue Next 2Y7.7%
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 stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.25, which indicates a very decent valuation of QCRH.
70.45% of the companies in the same industry are more expensive than QCRH, based on the Price/Earnings ratio.
QCRH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.13.
With a Price/Forward Earnings ratio of 10.60, the valuation of QCRH can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of QCRH is on the same level as its industry peers.
QCRH is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.76, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.25 | ||
| Fwd PE | 10.6 |
4.2 Price Multiples
96.21% of the companies in the same industry are more expensive than QCRH, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.28 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.83
EPS Next 2Y2.55%
EPS Next 3Y2.72%
5. Dividend
5.1 Amount
With a yearly dividend of 0.31%, QCRH is not a good candidate for dividend investing.
With a Dividend Yield of 0.31, QCRH pays less dividend than the industry average, which is at 3.17. 86.36% of the companies listed in the same industry pay a better dividend than QCRH!
With a Dividend Yield of 0.31, QCRH pays less dividend than the S&P500 average, which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.31% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.12%
Div Incr Years0
Div Non Decr Years22
5.3 Sustainability
QCRH pays out 3.59% of its income as dividend. This is a sustainable payout ratio.
DP3.59%
EPS Next 2Y2.55%
EPS Next 3Y2.72%
78.38
-0.18 (-0.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners75.56%
Inst Owner Change-1.17%
Ins Owners2.57%
Ins Owner Change0.65%
Market Cap1.33B
Analysts83.64
Price Target91.09 (16.22%)
Short Float %1.44%
Short Ratio2.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.31% |
Yearly Dividend0.24
Dividend Growth(5Y)-0.12%
DP3.59%
Div Incr Years0
Div Non Decr Years22
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.34%
Min EPS beat(2)-0.04%
Max EPS beat(2)6.71%
EPS beat(4)3
Avg EPS beat(4)7.6%
Min EPS beat(4)-0.04%
Max EPS beat(4)14.48%
EPS beat(8)7
Avg EPS beat(8)15.37%
EPS beat(12)10
Avg EPS beat(12)12.99%
EPS beat(16)13
Avg EPS beat(16)12.43%
Revenue beat(2)0
Avg Revenue beat(2)-8.75%
Min Revenue beat(2)-9.63%
Max Revenue beat(2)-7.87%
Revenue beat(4)0
Avg Revenue beat(4)-7.65%
Min Revenue beat(4)-9.63%
Max Revenue beat(4)-4.74%
Revenue beat(8)0
Avg Revenue beat(8)-10.7%
Revenue beat(12)2
Avg Revenue beat(12)-5.6%
Revenue beat(16)6
Avg Revenue beat(16)6.76%
PT rev (1m)5.31%
PT rev (3m)5.31%
EPS NQ rev (1m)0.69%
EPS NQ rev (3m)-0.91%
EPS NY rev (1m)2.66%
EPS NY rev (3m)2.66%
Revenue NQ rev (1m)0.44%
Revenue NQ rev (3m)-1.55%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.25 | ||
| Fwd PE | 10.6 | ||
| P/S | 3.91 | ||
| P/FCF | 3.28 | ||
| P/OCF | 2.92 | ||
| P/B | 1.26 | ||
| P/tB | 1.49 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.97
EY8.89%
EPS(NY)7.39
Fwd EY9.43%
FCF(TTM)23.9
FCFY30.49%
OCF(TTM)26.81
OCFY34.2%
SpS20.06
BVpS62.02
TBVpS52.5
PEG (NY)N/A
PEG (5Y)0.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.22% | ||
| ROE | 10.74% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 33.21% | ||
| GM | N/A | ||
| FCFM | 119.14% |
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 | 0.27 | ||
| Debt/FCF | 0.7 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 441.63% | ||
| Cap/Sales | 14.51% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 358.8% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC17.72%
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)2.5%
EPS 3Y3.61%
EPS 5Y13.51%
EPS Q2Q%0%
EPS Next Y-1.05%
EPS Next 2Y2.55%
EPS Next 3Y2.72%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.8%
Revenue growth 3Y7.63%
Revenue growth 5Y8.18%
Sales Q2Q%10.54%
Revenue Next Year8.3%
Revenue Next 2Y7.7%
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 1Y262.74%
FCF growth 3Y75.35%
FCF growth 5Y44.23%
OCF growth 1Y261.57%
OCF growth 3Y71.45%
OCF growth 5Y42.18%