(QCRH) QCR Holdings - Overview
Stock: Commercial Loans, Deposits, Leasing, Trust Services, Treasury
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.32% |
| Yield on Cost 5y | 0.59% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 92.6% |
| Payout Ratio | 3.1% |
| Risk 5d forecast | |
|---|---|
| Volatility | 29.9% |
| Relative Tail Risk | -12.0% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.69 |
| Alpha | 9.65 |
| Character TTM | |
|---|---|
| Beta | 0.706 |
| Beta Downside | 0.785 |
| Drawdowns 3y | |
|---|---|
| Max DD | 32.16% |
| CAGR/Max DD | 0.71 |
Description: QCRH QCR Holdings January 19, 2026
QCR Holdings, Inc. (NASDAQ: QCRH) is a multi-bank holding company headquartered in Moline, Illinois. It offers a full suite of commercial and consumer banking services-including demand, time and brokered deposits-and provides trust and asset-management solutions. Its loan book spans small- and mid-size business credit, working-capital lines, term loans for equipment or facility acquisitions, commercial and residential real-estate financing, and a range of consumer products such as auto, home-improvement, and unsecured personal loans. The firm also generates fee income from equipment leasing, direct-financing leases, and the issuance of trust-preferred securities.
As of Q2 2024, QCR reported a net interest margin of ~3.45 % (slightly above the regional-bank average of 3.30 %) and a loan-to-deposit ratio of 78 %, indicating a conservative funding profile. Return on equity (ROE) hovered around 11 %, while non-performing loans remained under 1 % of total assets, reflecting solid credit quality. The company’s performance is tightly linked to macro-drivers such as the Federal Reserve’s policy rate trajectory, which influences net interest income, and regional economic health in the Midwest, where its branch network is concentrated.
If you want a deeper, data-driven look at QCRH’s valuation and risk profile, a quick scan of ValueRay’s analyst toolkit can help you spot any hidden upside or downside before you commit capital.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 127.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -3.61 > 1.0 |
| NWC/Revenue: 12.37% < 20% (prev -1111 %; Δ 1123 % < -1%) |
| CFO/TA 0.03 > 3% & CFO 263.5m > Net Income 127.2m |
| Net Debt (-73.8m) to EBITDA (144.9m): -0.51 < 3 |
| Current Ratio: 28.87 > 1.5 & < 3 |
| Outstanding Shares: last quarter (16.8m) vs 12m ago -1.57% < -2% |
| Gross Margin: 57.72% > 18% (prev 0.55%; Δ 5718 % > 0.5%) |
| Asset Turnover: 6.42% > 50% (prev 6.51%; Δ -0.10% > 0%) |
| Interest Coverage Ratio: 0.42 > 6 (EBITDA TTM 144.9m / Interest Expense TTM 234.2m) |
Altman Z'' 0.51
| A: 0.01 (Total Current Assets 76.5m - Total Current Liabilities 2.65m) / Total Assets 9.58b |
| B: 0.08 (Retained Earnings 747.3m / Total Assets 9.58b) |
| C: 0.01 (EBIT TTM 97.2m / Avg Total Assets 9.30b) |
| D: 0.13 (Book Value of Equity 1.11b / Total Liabilities 8.46b) |
| Altman-Z'' Score: 0.51 = B |
What is the price of QCRH shares?
Over the past week, the price has changed by +5.69%, over one month by +14.25%, over three months by +25.15% and over the past year by +21.29%.
Is QCRH a buy, sell or hold?
- StrongBuy: 2
- Buy: 3
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the QCRH price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 102.3 | 7.2% |
| Analysts Target Price | 102.3 | 7.2% |
| ValueRay Target Price | 111.5 | 16.9% |
QCRH Fundamental Data Overview February 03, 2026
P/E Forward = 12.1951
P/S = 4.3244
P/B = 1.3544
P/EG = 1.77
Revenue TTM = 596.7m USD
EBIT TTM = 97.2m USD
EBITDA TTM = 144.9m USD
Long Term Debt = 573.4m USD (from longTermDebt, two quarters ago)
Short Term Debt = 2.65m USD (from shortTermDebt, last quarter)
Debt = 2.65m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -73.8m USD (from netDebt column, last quarter)
Enterprise Value = 1.45b USD (1.52b + Debt 2.65m - CCE 76.5m)
Interest Coverage Ratio = 0.42 (Ebit TTM 97.2m / Interest Expense TTM 234.2m)
EV/FCF = 7.00x (Enterprise Value 1.45b / FCF TTM 206.7m)
FCF Yield = 14.29% (FCF TTM 206.7m / Enterprise Value 1.45b)
FCF Margin = 34.63% (FCF TTM 206.7m / Revenue TTM 596.7m)
Net Margin = 21.31% (Net Income TTM 127.2m / Revenue TTM 596.7m)
Gross Margin = 57.72% ((Revenue TTM 596.7m - Cost of Revenue TTM 252.3m) / Revenue TTM)
Gross Margin QoQ = 61.10% (prev 59.50%)
Tobins Q-Ratio = 0.15 (Enterprise Value 1.45b / Total Assets 9.58b)
Interest Expense / Debt = 2232 % (Interest Expense 59.1m / Debt 2.65m)
Taxrate = 7.77% (3.00m / 38.7m)
NOPAT = 89.7m (EBIT 97.2m * (1 - 7.77%))
Current Ratio = 28.87 (Total Current Assets 76.5m / Total Current Liabilities 2.65m)
Debt / Equity = 0.00 (Debt 2.65m / totalStockholderEquity, last quarter 1.11b)
Debt / EBITDA = -0.51 (Net Debt -73.8m / EBITDA 144.9m)
Debt / FCF = -0.36 (Net Debt -73.8m / FCF TTM 206.7m)
Total Stockholder Equity = 1.07b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.37% (Net Income 127.2m / Total Assets 9.58b)
RoE = 11.91% (Net Income TTM 127.2m / Total Stockholder Equity 1.07b)
RoCE = 5.92% (EBIT 97.2m / Capital Employed (Equity 1.07b + L.T.Debt 573.4m))
RoIC = 5.76% (NOPAT 89.7m / Invested Capital 1.56b)
WACC = 8.51% (E(1.52b)/V(1.52b) * Re(8.52%) + (debt cost/tax rate unavailable))
Discount Rate = 8.52% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.35%
[DCF Debug] Terminal Value 79.63% ; FCFF base≈332.3m ; Y1≈409.9m ; Y5≈698.1m
Fair Price DCF = 645.5 (EV 10.70b - Net Debt -73.8m = Equity 10.77b / Shares 16.7m; r=8.51% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 48.76 | EPS CAGR: 10.11% | SUE: 1.22 | # QB: 2
Revenue Correlation: 82.29 | Revenue CAGR: 28.31% | SUE: 2.10 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.80 | Chg30d=-0.092 | Revisions Net=+4 | Analysts=4
EPS current Year (2026-12-31): EPS=8.09 | Chg30d=+0.161 | Revisions Net=+4 | Growth EPS=+5.8% | Growth Revenue=+7.7%
EPS next Year (2027-12-31): EPS=8.63 | Chg30d=+0.103 | Revisions Net=+0 | Growth EPS=+6.7% | Growth Revenue=+5.6%