A Business at a Glance
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QCR HOLDINGS INC
QCRH
$1.7B
Mkt Cap
$100.15
+2.79%
QCR HOLDINGS INC (QCRH) has a current P/E ratio of 13.4, compared to its historical median P/E of 11.1. The stock is currently considered Fair based on its historical valuation range.
QCR HOLDINGS INC (QCRH) has a 5-year average return on invested capital (ROIC) of 12.9%. This indicates solid capital allocation.
QCR HOLDINGS INC (QCRH) has a market capitalization of $1.7B. It is classified as a small-cap stock.
Yes, QCR HOLDINGS INC (QCRH) pays a dividend with a trailing twelve-month yield of 0.24%.
Based on historical P/E analysis, QCR HOLDINGS INC (QCRH) appears fair. The current P/E of 13.4 is 21% above its historical median of 11.1. The estimated fair value CAGR (P/E method) is 14.0%.
QCR HOLDINGS INC (QCRH) operates in the State Commercial Banks industry, within the Financials sector.
QCR HOLDINGS INC (QCRH) reported annual revenue of $604 million in its most recent fiscal year, based on SEC EDGAR filings.
General. QCR Holdings, Inc. is a multi-bank holding company headquartered in Moline, Illinois, that was formed in February 1993 under the laws of the state of Delaware. In 2016, the Company elected to operate as a financial holding company under the BHCA. The Company serves the Quad Cities, Cedar Rapids, Waterloo/Cedar Falls, Des Moines/Ankeny and Springfield communities through the following four wholly-owned banking subsidiaries (collectively, the “Banks”), which provide full-service commercial and consumer banking and trust and asset management services: ●Quad City Bank & Trust (“QCBT”), which is based in Bettendorf, Iowa, and commenced operations in 1994; ●Cedar Rapids Bank & Trust (“CRBT”), which is based in Cedar Rapids, Iowa, and commenced operations in 2001; ●Community State Bank (“CSB”), which is based in Ankeny, Iowa, and was acquired in 2016; and ●Guaranty Bank (“GB”), which is based in Springfield, Missouri, and was acquired in 2018.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 604M | 604M | 597M | 354M | 373M | 301M |
| Net Income | 127M | 127M | 114M | 114M | 99M | 99M |
| EPS | $7.49 | $7.49 | $6.71 | $6.73 | $5.87 | $6.20 |
| Free Cash Flow | 354M | 354M | 400M | 361M | 85M | 74M |
| ROIC | 11.5% | 11.7% | 12.1% | - | 12.8% | 15.0% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.07 | 0.07 | 0.00 | 0.00 | 0.30 | 0.01 |
| Dividends/Share | $0.24 | $0.24 | $0.24 | $0.24 | $0.24 | $0.24 |
| Operating Income | 136M | 136M | 123M | - | 114M | 121M |
| Operating Margin | 22.5% | 22.5% | 20.5% | - | 30.4% | 40.4% |
| ROE | 11.4% | 12.1% | 12.1% | 12.8% | 13.7% | 15.6% |
| Shares Outstanding | 17M | 17M | 17M | 17M | 17M | 16M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 107M | 114M | 138M | 166M | 224M | 295M | 312M | 301M | 373M | 354M | 597M | 604M | 604M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 40M | 43M | 46M | 56M | 69M | 92M | 96M | 101M | 115M | 211M | 128M | 127M | 127M |
| EBIT | 2.3M | 3.1M | 2.9M | 3.3M | 3.8M | 5.4M | 73M | 121M | 114M | N/A | 123M | 136M | 136M |
| Op. Margin | 2.1% | 2.7% | 2.1% | 2.0% | 1.7% | 1.8% | 23.5% | 40.4% | 30.4% | N/A | 20.5% | 22.5% | 22.5% |
| Net Income | 14M | 17M | 28M | 36M | 43M | 57M | 61M | 99M | 99M | 114M | 114M | 127M | 127M |
| Net Margin | 12.9% | 14.8% | 20.1% | 21.5% | 19.2% | 19.5% | 19.4% | 32.9% | 26.5% | 32.1% | 19.1% | 21.1% | 21.1% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 2.2M | 519K | -1.1M | -378K | 0 | 2.2M | -6K | -6K |
| Returns on Capital | |||||||||||||
| ROIC | 9.3% | 8.9% | 10.1% | 10.5% | 10.3% | 10.7% | 9.8% | 15.0% | 12.8% | N/A | 12.1% | 11.7% | 11.5% |
| ROE | 9.5% | 9.2% | 10.8% | 11.2% | 10.4% | 11.4% | 10.7% | 15.6% | 13.7% | 12.8% | 12.1% | 12.1% | 11.4% |
| ROA | 0.6% | 0.7% | 0.9% | 1.0% | 1.0% | 1.2% | 1.1% | 1.7% | 1.4% | 1.3% | 1.3% | 1.4% | 1.3% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 26M | 30M | 43M | 34M | 64M | 76M | 112M | 88M | 119M | 376M | 445M | 422M | 422M |
| Free Cash Flow | 24M | 26M | 37M | 28M | 53M | 64M | 108M | 74M | 85M | 361M | 400M | 354M | 354M |
| Owner Earnings | 22M | 26M | 39M | 28M | 57M | 67M | 103M | 78M | 106M | 365M | 430M | 406M | 406M |
| CapEx | 2.0M | 4.4M | 6.0M | 5.8M | 11M | 12M | 4.3M | 14M | 33M | 15M | 44M | 67M | 67M |
| Maint. CapEx | 3.0M | 3.3M | 3.9M | 5.0M | 6.1M | 7.5M | 7.5M | 7.4M | 11M | 8.7M | 11M | 12M | 12M |
| Growth CapEx | 0 | 1.1M | 2.2M | 811K | 5.3M | 4.9M | 0 | 6.6M | 23M | 6.2M | 33M | 55M | 55M |
| D&A | 3.0M | 3.3M | 3.9M | 5.0M | 6.1M | 7.5M | 7.5M | 7.4M | 11M | 8.7M | 11M | 12M | 12M |
| CapEx/OCF | 8.0% | 14.6% | 13.9% | 17.1% | 17.8% | 16.2% | 3.8% | 15.8% | 28.0% | 4.0% | 10.0% | 16.0% | 16.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 2.0M | 782K | 2.0M | 2.5M | 3.3M | 3.8M | 3.8M | 3.8M | 3.9M | 4.0M | 4.0M | 4.1M | 4.1M |
| Dividend Yield | 1.5% | 0.4% | 0.6% | 0.4% | 0.5% | 0.7% | 0.7% | 0.5% | 0.4% | 0.5% | 0.4% | 0.3% | 0.2% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Stock-Based Comp | 892K | 941K | 947K | 1.2M | 1.4M | 2.5M | 2.1M | 2.4M | 2.4M | 2.7M | 2.8M | 3.2M | 3.2M |
| Debt Repayment | 2.1M | 7.3M | 105M | 21M | 13M | 14M | 8.0M | 1.6M | 126M | 128M | 300K | 850K | 850K |
| Balance Sheet | |||||||||||||
| Net Debt | -374M | -275M | -292M | -335M | -317M | -210M | -368M | -372M | -171M | -1.1B | -1.3B | -1.3B | -3.8M |
| Cash & Equiv. | 38M | 42M | 71M | 76M | 86M | 76M | 61M | 37M | 60M | 97M | 92M | 76M | 76M |
| Long-Term Debt | 2.1M | 7.3M | 30M | 13M | 1.1M | 63M | 50M | N/A | 100M | N/A | N/A | 70M | 70M |
| Debt/Equity | 0.02 | 0.03 | 0.11 | 0.04 | 0.06 | 0.14 | 0.09 | 0.01 | 0.30 | 0.00 | 0.00 | 0.07 | 0.07 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.7 |
| Equity | 144M | 226M | 286M | 353M | 473M | 535M | 594M | 677M | 773M | 887M | 997M | 1.1B | 1.1B |
| Total Assets | 2.5B | 2.6B | 3.3B | 4.0B | 4.9B | 4.9B | 5.7B | 6.1B | 7.9B | 8.5B | 9.0B | 9.6B | 9.6B |
| Total Liabilities | 2.4B | 2.4B | 3.0B | 3.6B | 4.5B | 4.4B | 5.1B | 5.4B | 7.2B | 7.7B | 8.0B | 8.5B | 8.5B |
| Intangibles | 1.7M | 1.5M | 7.4M | 9.1M | 17M | 15M | 11M | 9.3M | 17M | 153M | 11M | 8.1M | 8.1M |
| Retained Earnings | 78M | 93M | 119M | 152M | 192M | 246M | 301M | 386M | 450M | 555M | 665M | 773M | 773M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.72 | 1.61 | 2.17 | 2.61 | 2.86 | 3.60 | 3.80 | 6.20 | 5.87 | 6.73 | 6.71 | 7.49 | 7.49 |
| Owner EPS | 2.69 | 2.46 | 3.02 | 2.02 | 3.76 | 4.17 | 6.43 | 4.92 | 6.27 | 21.63 | 25.37 | 23.91 | 23.91 |
| Book Value | 17.87 | 21.48 | 22.42 | 25.82 | 31.38 | 33.57 | 37.25 | 42.44 | 45.79 | 52.54 | 58.78 | 65.50 | 65.50 |
| Cash Flow/Share | 3.17 | 2.86 | 3.40 | 2.46 | 4.26 | 4.80 | 7.04 | 5.53 | 7.03 | 22.30 | 26.20 | 24.82 | 8.21 |
| Dividends/Share | 0.24 | 0.08 | 0.16 | 0.20 | 0.24 | 0.24 | 0.24 | 0.24 | 0.24 | 0.24 | 0.24 | 0.24 | 0.24 |
| Shares Out. | 8.1M | 10.5M | 12.8M | 13.7M | 15.1M | 15.9M | 15.9M | 16.0M | 16.9M | 16.9M | 17.0M | 17.0M | 17.0M |
| Valuation | |||||||||||||
| P/E Ratio | 9.9 | 14.5 | 19.5 | 16.1 | 10.8 | 11.7 | 10.3 | 8.9 | 8.3 | 8.8 | 12.0 | 11.3 | 13.4 |
| P/FCF | 5.8 | 9.5 | 14.4 | 20.6 | 8.8 | 10.5 | 5.8 | 11.8 | 9.7 | 2.8 | 3.4 | 4.1 | 4.8 |
| EV/EBIT | N/A | N/A | N/A | 134.0 | 38.3 | 73.3 | 42.7 | N/A | N/A | N/A | N/A | N/A | 12.5 |
| Price/Book | 0.9 | 1.1 | 1.9 | 1.6 | 1.0 | 1.3 | 1.0 | 1.3 | 1.1 | 1.1 | 1.4 | 1.3 | 1.5 |
| Price/Sales | 1.5 | 2.0 | 2.8 | 4.0 | 3.4 | 2.4 | 1.8 | 2.7 | 2.9 | 2.3 | 3.3 | 3.4 | 2.8 |
| FCF Yield | 17.2% | 10.5% | 6.9% | 4.9% | 11.4% | 9.5% | 17.3% | 8.4% | 10.3% | 36.2% | 29.3% | 24.6% | 20.8% |
| Market Cap | 137M | 245M | 539M | 575M | 465M | 671M | 623M | 879M | 826M | 1000M | 1.4B | 1.4B | 1.7B |
| Avg. Price | 16.42 | 19.60 | 27.32 | 42.73 | 41.49 | 35.14 | 31.97 | 47.71 | 54.04 | 47.55 | 67.08 | 74.10 | 100.15 |
| Year-End Price | 16.95 | 23.27 | 42.22 | 42.03 | 30.86 | 42.10 | 39.09 | 55.13 | 48.92 | 59.24 | 80.52 | 84.76 | 100.15 |
QCR HOLDINGS INC passes 4 of 9 quality checks, suggesting mixed fundamentals.
QCR HOLDINGS INC trades at 13.4x trailing earnings, compared to its 15-year median P/E of 11.1x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 4.7x vs a median of 9.2x. The company's 5-year average ROIC is 12.9%. Total shareholder yield (dividends) is 0.2%. At current prices, the estimated annualized return to fair value is +29.9%.
QCR HOLDINGS INC (QCRH) has a net profit margin of 21.1%. This is a strong margin indicating high profitability.
QCR HOLDINGS INC (QCRH) generated $354 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
QCR HOLDINGS INC (QCRH) has a debt-to-equity ratio of 0.07. This indicates a conservatively financed balance sheet.
QCR HOLDINGS INC (QCRH) reported earnings per share (EPS) of $7.49 in its most recent fiscal year.
QCR HOLDINGS INC (QCRH) has a return on equity (ROE) of 12.1%. This indicates moderate shareholder returns.
The Ledger Terminal provides 17 years of financial data for QCR HOLDINGS INC (QCRH), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
QCR HOLDINGS INC (QCRH) has a book value per share of $65.50, based on its most recent annual SEC filing.
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