(QCRH) QCR Holdings - Ratings and Ratios

QCR Holdings, Inc. (NASDAQ:QCRH), a regional bank with a multi-bank model, operates primarily in the Midwest, emphasizing stability and growth. Its presence in smaller markets allows it to maintain strong community ties, a factor investors often appreciate for its potential to enhance local expertise and diversification benefits.

The company offers a comprehensive suite of deposit products, including noninterest-bearing demand deposits, which reduce funding costs, and interest-bearing and time deposits that facilitate longer-term investments. This diverse deposit base supports liquidity and strategic investment opportunities.

QCRHs loan portfolio is diversified, mitigating risk through exposure to commercial and consumer sectors. Commercial loans, including lines of credit and term loans, align with economic cycles, while real estate loans offer stability despite market risks. Consumer loans, with predictable repayment patterns, add reliability to the portfolio.

Additional revenue streams come from leasing machinery under direct financing leases, providing steady cash flow, and issuing trust preferred securities, which optimize capital structure and appeal to specific investors.

Financially, QCRH presents a market cap of $1.3 billion, with a P/E ratio of 11.58, indicating a reasonable valuation. A P/B ratio of 1.31 suggests a modest premium, while a P/S of 3.95 highlights efficient revenue generation, making QCRH a solid choice for investors seeking regional bank exposure with a balance of tradition and modern strategy, focused on long-term value creation.