QCR Holdings, Inc. (QCRH) AI Stock Analysis

Headquartered in Moline, Illinois, QCR Holdings, Inc. operates as a multi-bank holding company offering commercial and consumer banking, trust, and asset management services. Established in 1993, the company provides deposit accounts such as noninterest-bearing demand deposits, interest-bearing demand deposits, time deposits, and brokered deposits. Its lending products include business lines of credit, equipment term loans, commercial and residential real estate loans, as well as installment, home equity, and motor vehicle loans. Operating through subsidiaries, it serves businesses, individuals, partnerships, and government agencies across Midwest communities including the Quad Cities, Cedar Rapids, Cedar Valley, Des Moines/Ankeny, and Springfield.

Between FY2020 and FY2025, revenue expanded at a 5-year compound annual growth rate of 14.2%, rising from $293.8M in FY2021 to $596.7M in FY2025. Annual net income grew from $98.9M in FY2021 to $127.2M in FY2025, with diluted EPS advancing from $6.28 to $7.64. Over that period, gross margin compressed from 91.4% in FY2021 to 57.7% in FY2025, while operating margin moved from 41.3% to 22.8%. In the trailing twelve months, revenue totaled $379.2M with a net profit margin of 37.5%. For the latest quarter ended June 30, 2026, revenue increased 15.6% year-over-year and earnings increased 28.1%.

As of June 30, 2026, QCR Holdings held $111.3M in cash and short-term investments against total debt of $402.3M, leaving net debt at $291.0M. Total assets stood at $9.52B and shareholders' equity reached $1.15B, resulting in a debt-to-equity ratio of 0.35 and a current ratio of 12.50. In FY2025, operating cash flow was $421.5M and free cash flow was $354.1M. Cash usage in FY2025 included $67.4M in capital expenditures, $21.6M in share buybacks, and $4.1M in dividends paid.

At $98.86 on October 16, 2026, QCR Holdings has a market capitalization of $1.62B and an enterprise value of $1.89B. The stock trades at a trailing P/E of 11.7x, below the 12.1x median of its US-listed Financial Services peers, and a forward P/E of 12.2x, above the peer median of 10.8x. Its price-to-sales ratio is 4.3x compared to the peer median of 3.2x, and its price-to-book ratio is 1.4x. Over the past year, QCRH generated a return of 48.1%, outperforming the S&P 500 (SPY) return of 16.8%.

QCR Holdings pays a quarterly dividend with an annualized forward payout of $0.60 per share, delivering a dividend yield of 0.61%. The dividend is supported by a payout ratio of 4.8%. The company has maintained consecutive dividend payments for 26 years, though its 5-year annualized dividend growth is 0.0%. The last ex-dividend date was September 18, 2026.

Wall Street analyst coverage consists of 1 Strong Buy, 3 Buy, and 2 Hold ratings, with no Sell or Strong Sell recommendations. The mean price target of $110.50 represents an upside of 11.8% over the last close of $98.86. Consensus estimates for the fiscal year ending December 31, 2026, project revenue of $416.1M and EPS of $8.49, representing 11.2% EPS growth. The company beat EPS estimates in each of the past 4 quarters, and its next earnings date is October 20, 2026.

This page is an AI-written research summary of QCR Holdings, Inc. (QCRH). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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