QCR HOLDINGS INC (QCRH) Stock Fundamental Analysis
USA - NASDAQ:QCRH - US74727A1043 - Common Stock
78.36 USD
+0.74 (+0.95%)
78.36 USD
0 (0%)
Overall QCRH gets a fundamental rating of 4 out of 10. We evaluated QCRH against 388 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.
1. Profitability
1.1 Basic Checks
QCRH had positive earnings in the past year.
In the past year QCRH had a positive cash flow from operations.
In the past 5 years QCRH has always been profitable.
Each year in the past 5 years QCRH had a positive operating cash flow.
1.2 Ratios
QCRH has a Return On Assets of 1.22%. This is in the better half of the industry: QCRH outperforms 77.32% of its industry peers.
QCRH's Return On Equity of 10.74% is fine compared to the rest of the industry. QCRH outperforms 73.45% 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 87.89% 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 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.
The number of shares outstanding for QCRH has been increased compared to 1 year ago.
QCRH has more shares outstanding than it did 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 78.87% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that QCRH is not too dependend on debt financing.
QCRH has a Debt to Equity ratio of 0.27. This is in the lower half of the industry: QCRH underperforms 65.46% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 0.7 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.53%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 3.96% over the past year.
The Earnings Per Share has been growing by 13.51% on average over the past years. This is quite good.
Looking at the last year, QCRH shows a decrease in Revenue. The Revenue has decreased by -1.28% in the last year.
The Revenue has been growing by 8.18% on average over the past years. This is quite good.
EPS 1Y (TTM)3.96%
EPS 3Y3.61%
EPS 5Y13.51%
EPS Q2Q%21.35%
Revenue 1Y (TTM)-1.28%
Revenue growth 3Y7.63%
Revenue growth 5Y8.18%
Sales Q2Q%8.5%
3.2 Future
Based on estimates for the next years, QCRH will show a small growth in Earnings Per Share. The EPS will grow by 6.26% on average per year.
The Revenue is expected to grow by 10.23% on average over the next years. This is quite good.
EPS Next Y4.94%
EPS Next 2Y7.22%
EPS Next 3Y6.26%
EPS Next 5YN/A
Revenue Next Year3.45%
Revenue Next 2Y10.54%
Revenue Next 3Y10.23%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
QCRH is valuated reasonably with a Price/Earnings ratio of 10.66.
QCRH's Price/Earnings ratio is a bit cheaper when compared to the industry. QCRH is cheaper than 63.40% of the companies in the same industry.
QCRH is valuated cheaply when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
QCRH is valuated reasonably with a Price/Forward Earnings ratio of 9.70.
QCRH's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, QCRH is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.66 | ||
| Fwd PE | 9.7 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, QCRH is valued cheaply inside the industry as 95.36% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.27 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.16
PEG (5Y)0.79
EPS Next 2Y7.22%
EPS Next 3Y6.26%
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 3.39. 86.34% of the companies listed in the same industry pay a better dividend than QCRH!
Compared to an average S&P500 Dividend Yield of 2.44, QCRH's dividend is way lower than the S&P500 average.
| 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 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
3.59% of the earnings are spent on dividend by QCRH. This is a low number and sustainable payout ratio.
DP3.59%
EPS Next 2Y7.22%
EPS Next 3Y6.26%
78.36
+0.74 (+0.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners77.45%
Inst Owner Change-1.54%
Ins Owners2.58%
Ins Owner Change0%
Market Cap1.32B
Revenue(TTM)354.35M
Net Income(TTM)112.83M
Analysts81.82
Price Target91.8 (17.15%)
Short Float %1.74%
Short Ratio2.71
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)0.78%
PT rev (3m)0.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.69%
EPS NY rev (1m)6.05%
EPS NY rev (3m)8.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.44%
Revenue NY rev (1m)1.32%
Revenue NY rev (3m)-4.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.66 | ||
| Fwd PE | 9.7 | ||
| P/S | 3.9 | ||
| P/FCF | 3.27 | ||
| P/OCF | 2.91 | ||
| P/B | 1.26 | ||
| P/tB | 1.49 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.35
EY9.38%
EPS(NY)8.08
Fwd EY10.31%
FCF(TTM)23.97
FCFY30.59%
OCF(TTM)26.89
OCFY34.31%
SpS20.12
BVpS62.2
TBVpS52.65
PEG (NY)2.16
PEG (5Y)0.79
Graham Number101.42
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
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 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
WACC17.53%
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)3.96%
EPS 3Y3.61%
EPS 5Y13.51%
EPS Q2Q%21.35%
EPS Next Y4.94%
EPS Next 2Y7.22%
EPS Next 3Y6.26%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.28%
Revenue growth 3Y7.63%
Revenue growth 5Y8.18%
Sales Q2Q%8.5%
Revenue Next Year3.45%
Revenue Next 2Y10.54%
Revenue Next 3Y10.23%
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%
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.
What is the valuation status of QCR HOLDINGS INC (QCRH) stock?
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.
How financially healthy is QCR HOLDINGS INC?
The financial health rating of QCR HOLDINGS INC (QCRH) is 3 / 10.
Can you provide the dividend sustainability for QCRH stock?
The dividend rating of QCR HOLDINGS INC (QCRH) is 4 / 10 and the dividend payout ratio is 3.59%.