QCRH Stock Analysis: QCR Holdings | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.609m USD | 12M Return: 36% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 10.9M
EPS Trend: 88.7%
Qual. Beats: 4
Rev. Trend: 18.3%
Qual. Beats: -1
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
QCR Holdings is a multi-bank holding company operating in the U.S. regional banking sector. It provides commercial and consumer banking services along with trust and asset management through subsidiary banks, taking deposits and originating a broad loan portfolio that includes commercial real estate, business lines of credit, and consumer loans such as auto, home equity, and signature loans. The company also issues trust preferred securities and serves corporations, partnerships, individuals, and government agencies. Headquartered in Moline, Illinois, QCR Holdings was incorporated in 1993.
The multi-bank holding company structure allows QCRH to maintain separate bank charters across different markets, a common arrangement among U.S. regional banks that supports localized lending decisions while sharing centralized back-office and capital functions. Regional banks like QCRH typically concentrate on relationship-driven commercial lending and small-to-mid-sized business clients within a defined geographic footprint, differentiating from money-center banks through local market knowledge rather than balance sheet scale.
- Net interest margin pressured by rising deposit costs
- Commercial real estate loan portfolio faces regulatory credit scrutiny
- Small and mid-sized business loan growth accelerates commercial segment revenue
| Net Income: 142.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA -0.52 > 1.0 |
| NWC/Revenue: 21.52% < 20% (prev -1.23k%; Δ 1.25k% < -1%) |
| CFO/TA 0.05 > 3% & CFO 429.5m > Net Income 142.0m |
| Net Debt (533.5m) to EBITDA (127.3m): 4.19 < 3 |
| Current Ratio: 12.50 > 1.5 & < 3 |
| Outstanding Shares: last quarter (16.5m) vs 12m ago -3.04% < -2% |
| Gross Margin: 46.99% > 18% (prev 54.88%; Δ -7.89% > 0.5%) |
| Asset Turnover: 5.07% > 50% (prev 6.17%; Δ -1.10% > 0%) |
| Interest Coverage Ratio: 0.51 > 6 (EBIT TTM 115.0m / Interest Expense TTM 225.1m) |
| A: 0.01 (Total Current Assets 111.3m - Total Current Liabilities 8.91m) / Total Assets 9.52b |
| B: 0.08 (Retained Earnings 773.4m / Total Assets 9.52b) |
| C: 0.01 (EBIT TTM 115.0m / Avg Total Assets 9.38b) |
| D: 0.14 (Book Value of Equity 1.15b / Total Liabilities 8.37b) |
| Altman-Z'' = 0.56 = B |
As of July 28, 2026, the stock is trading at USD 100.16 with a total of 176,095 shares traded. Over the past week, the price has changed by +2.47%, over one month by +3.64%, over three months by +9.95% and over the past year by +36.01%.
Current recommended Stop Loss: 96.80 (which is 3.4% or 1.3 ATR below the current price).
QCR Holdings has received a consensus analysts rating of 4.40. Therefore, it is recommended to buy QCRH.
- StrongBuy: 2
- Buy: 3
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 102 | 1.8% |
P/E Trailing = 12.0881
P/E Forward = 11.2108
P/S = 4.2416
P/B = 1.4162
P/EG = 1.0182
Revenue TTM = 475.9m USD
EBIT TTM = 115.0m USD
EBITDA TTM = 127.3m USD
Long Term Debt = 635.9m USD (from longTermDebt, last fiscal year)
Short Term Debt = 8.91m USD (from shortTermDebt, last quarter)
Debt = 644.8m USD (corrected: LT Debt 635.9m + ST Debt 8.91m)
Net Debt = 533.5m USD (calculated: Debt 644.8m - CCE 111.3m)
Enterprise Value = 2.14b USD (1.61b + Debt 644.8m - CCE 111.3m)
Interest Coverage Ratio = 0.51 (Ebit TTM 115.0m / Interest Expense TTM 225.1m)
EV/FCF = 5.97x (Enterprise Value 2.14b / FCF TTM 358.9m)
FCF Yield = 16.76% (FCF TTM 358.9m / Enterprise Value 2.14b)
FCF Margin = 75.41% (FCF TTM 358.9m / Revenue TTM 475.9m)
Net Margin = 29.84% (Net Income TTM 142.0m / Revenue TTM 475.9m)
Gross Margin = 46.99% ((Revenue TTM 475.9m - Cost of Revenue TTM 252.3m) / Revenue TTM)
Gross Margin QoQ = none% (prev 61.47%)
Tobins Q-Ratio = 0.22 (Enterprise Value 2.14b / Total Assets 9.52b)
Interest Expense / Debt = 34.91% (Interest Expense 225.1m / Debt 644.8m)
Taxrate = 8.09% (12.5m / 154.5m)
NOPAT = 105.7m (EBIT 115.0m * (1 - 8.09%))
Current Ratio = 12.50 (Total Current Assets 111.3m / Total Current Liabilities 8.91m)
Debt / Equity = 0.56 (Debt 644.8m / totalStockholderEquity, last quarter 1.15b)
Debt / EBITDA = 4.19 (Net Debt 533.5m / EBITDA 127.3m)
Debt / FCF = 1.49 (Net Debt 533.5m / FCF TTM 358.9m)
Total Stockholder Equity = 1.12b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.51% (Net Income 142.0m / Total Assets 9.52b)
RoE = 12.70% (Net Income TTM 142.0m / Total Stockholder Equity 1.12b)
RoCE = 6.56% (EBIT 115.0m / Capital Employed (Equity 1.12b + L.T.Debt 635.9m))
RoIC = 1.11% (NOPAT 105.7m / Invested Capital 9.50b)
WACC = 15.34% (E(1.61b)/V(2.25b) * Re(8.62%) + D(644.8m)/V(2.25b) * Rd(34.91%) * (1-Tc(0.08)))
Discount Rate = 8.62% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -72.70 | Cagr: -1.11%
[DCF] Terminal Value 52.99% ; FCFF base≈374.0m ; Y1≈345.5m ; Y5≈309.6m
[DCF] Fair Price = 106.2 (EV 2.29b - Net Debt 533.5m = Equity 1.75b / Shares 16.5m; r=15.34% [WACC]; 5y FCF grow -9.55% → 2.50% )
EPS Correlation: 88.73 | EPS CAGR: 7.96% | SUE: 2.39 | # QB: 4
Revenue Correlation: 18.30 | Revenue CAGR: 1.59% | SUE: -1.40 | # QB: -1
EPS current Quarter (2026-09-30): EPS=2.06 | Chg30d=+0.00% | Revisions=-29% | Analysts=5
EPS current Year (2026-12-31): EPS=8.16 | Chg30d=+0.00% | Revisions=+17% | GrowthEPS=+6.9% | GrowthRev=+3.3%
EPS next Year (2027-12-31): EPS=8.69 | Chg30d=-0.07% | Revisions=-25% | GrowthEPS=+6.4% | GrowthRev=+5.8%
[Analyst] Revisions Ratio: -18% (up=3, down=5)