QCR Holdings, Inc. (QCRH) Key Metrics
QCRH valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $1.62B
- Enterprise value
- $1.89B
- P/E (TTM)
- 11.7 10-yr median 11.1
- Forward P/E
- 12.2
- PEG ratio
- 1.02
- Price / sales
- 4.3 10-yr median 2.3
- Price / book
- 1.4 10-yr median 1.1
- EV / EBITDA
- — 10-yr median 9.2
- Dividend yield
- 0.61% $0.60 a year
- Beta
- 0.75
QCRH key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsQCRH valuation Price multiples at each fiscal year-end price.
QCRH returns How much profit the business earns on the capital it uses.
QCRH per-share figures Results divided by the shares outstanding at year-end.
QCRH financial health Debt, liquidity and how easily interest is covered.
QCRH efficiency & capital use Working capital cycle and where the cash goes.
QCRH valuation history
QCRH returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
QCRH debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
QCRH cash returned to shareholders
QCRH price vs earnings per share
QCRH key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $1.40B | $1.37B | $984.8M | $838.4M | $892.9M | $631.6M | $700.4M | $483.4M | $586.2M | $552.8M |
| Enterprise value | $1.83B | $1.42B | $1.20B | $1.20B | $838.5M | $528.4M | $544.5M | $408.6M | $503.7M | $543.1M |
| P/E ratio | 11.0 | 12.0 | 8.7 | 8.5 | 9.0 | 10.4 | 12.2 | 11.2 | 16.4 | 20.0 |
| Price / sales | 2.3 | 2.3 | 1.8 | 2.3 | 3.0 | 2.1 | 2.5 | 2.2 | 3.6 | 4.1 |
| Price / book | 1.3 | 1.4 | 1.1 | 1.1 | 0.2 | 0.1 | 1.3 | 1.0 | 0.2 | 1.9 |
| Price / free cash flow | 3.9 | 3.4 | 2.7 | 9.8 | 12.0 | 5.9 | 10.9 | 9.2 | 21.0 | 14.8 |
| Price / operating cash flow | 3.3 | 3.1 | 2.6 | 7.1 | 10.1 | 5.6 | 9.2 | 7.5 | 17.4 | 12.7 |
| EV / sales | 3.1 | 2.4 | 2.2 | 3.3 | 2.9 | 1.7 | 2.0 | 1.9 | 3.1 | 4.0 |
| EV / EBITDA | 12.3 | 10.6 | 8.7 | 9.6 | 6.5 | 6.5 | 6.8 | 7.0 | 11.0 | 13.4 |
| EV / free cash flow | 5.2 | 3.5 | 3.3 | 14.0 | 11.3 | 4.9 | 8.5 | 7.7 | 18.0 | 14.5 |
| Earnings yield | 9.1% | 8.3% | 11.5% | 11.8% | 11.1% | 9.6% | 8.2% | 8.9% | 6.1% | 5.0% |
| Free cash flow yield | 25.4% | 29.3% | 36.7% | 10.2% | 8.3% | 17.1% | 9.1% | 10.9% | 4.8% | 6.8% |
| Dividend yield | 0.3% | 0.3% | 0.4% | 0.5% | 0.4% | 0.6% | 0.5% | 0.7% | 0.4% | 0.4% |
| Shareholder yield (dividends + buybacks) | 1.8% | 0.3% | 1.3% | 6.8% | 2.0% | 1.2% | 0.5% | 0.7% | 0.4% | 0.4% |
| Share price at fiscal year-end | $83.30 | $80.64 | $58.39 | $49.64 | $56.00 | $39.59 | $43.86 | $32.09 | $42.85 | $43.30 |
| Per share | ||||||||||
| Revenue per share | $35.61 | $34.66 | $31.76 | $21.65 | $18.42 | $19.22 | $17.45 | $14.62 | $11.86 | $10.53 |
| Earnings per share | $7.59 | $6.71 | $6.73 | $5.87 | $6.20 | $3.80 | $3.60 | $2.86 | $2.61 | $2.17 |
| Operating cash flow per share | $25.16 | $26.21 | $22.31 | $7.03 | $5.53 | $7.03 | $4.79 | $4.27 | $2.46 | $3.40 |
| Free cash flow per share | $21.13 | $23.59 | $21.43 | $5.06 | $4.66 | $6.76 | $4.01 | $3.51 | $2.04 | $2.93 |
| Cash per share | $10.95 | $30.44 | $29.75 | $27.71 | $28.26 | $31.96 | $27.23 | $31.85 | $29.56 | $30.21 |
| Book value per share | $66.38 | $58.81 | $52.57 | $45.75 | $371.86 | $346.86 | $33.53 | $31.41 | $272.08 | $22.41 |
| Tangible book value per share | $57.63 | $49.98 | $43.50 | $36.61 | $366.62 | $341.51 | $27.91 | $25.08 | $269.34 | $20.80 |
| Dividends per share | $0.24 | $0.24 | $0.24 | $0.23 | $0.24 | $0.24 | $0.24 | $0.22 | $0.18 | $0.16 |
| Capex per share | $4.02 | $2.62 | $0.89 | $1.97 | $0.88 | $0.27 | $0.78 | $0.76 | $0.42 | $0.47 |
| Debt per share | $36.87 | $33.47 | $42.50 | $48.90 | $24.85 | $25.49 | $17.47 | $26.88 | $23.53 | $29.45 |
| Shares outstanding | 16.8M | 17.0M | 16.9M | 16.9M | 15.9M | 16.0M | 16.0M | 15.1M | 13.7M | 12.8M |
| Change in shares outstanding | −1.2% | +0.6% | −0.1% | +5.9% | −0.0% | −0.1% | +6.0% | +10.1% | +7.2% | +21.6% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 12.1% | 12.1% | 13.7% | 3.0% | 1.7% | 2.0% | 11.4% | 2.1% | 1.8% | 2.1% |
| Return on invested capital (ROIC) | 9.8% | 10.6% | 10.2% | 2.8% | 1.7% | 2.1% | 14.8% | 2.1% | 1.8% | 0.0% |
| Return on assets (ROA) | 1.4% | 1.3% | 1.4% | 1.4% | 1.7% | 1.1% | 1.2% | 1.0% | 1.0% | 0.9% |
| Return on tangible assets | 1.3% | 1.3% | 1.4% | 1.3% | 1.6% | 1.1% | 1.2% | 0.9% | 0.9% | 0.8% |
| Free cash flow margin | 59.3% | 68.1% | 67.5% | 23.4% | 25.3% | 35.2% | 23.0% | 24.0% | 17.2% | 27.8% |
| Income quality (OCF / net income) | 3.31 | 3.90 | 3.31 | 1.20 | 0.89 | 1.85 | 1.33 | 1.49 | 0.94 | 1.57 |
| Financial health | ||||||||||
| Total debt | $617.9M | $567.7M | $716.8M | $825.9M | $396.2M | $406.7M | $279.0M | $405.0M | $321.9M | $375.9M |
| Cash & short-term investments | $183.5M | $516.3M | $501.7M | $468.0M | $450.6M | $509.9M | $434.8M | $479.8M | $404.4M | $385.6M |
| Net debt | $434.4M | $51.4M | $215.1M | $357.9M | −$54.4M | −$103.2M | −$155.9M | −$74.8M | −$82.5M | −$9.7M |
| Debt / equity | 0.56 | 0.57 | 0.81 | 1.07 | 0.07 | 0.07 | 0.52 | 0.86 | 0.09 | 1.31 |
| Debt / assets | 0.06 | 0.06 | 0.08 | 0.10 | 0.06 | 0.07 | 0.06 | 0.08 | 0.08 | 0.11 |
| Net debt / EBITDA | 2.93 | 0.38 | 1.56 | 2.88 | −0.42 | −1.28 | −1.96 | −1.28 | −1.81 | −0.24 |
| Current ratio | 28.87 | 0.08 | 0.08 | 0.08 | 0.11 | 0.14 | 0.13 | 0.15 | 0.19 | 0.20 |
| Quick ratio | 28.87 | 0.08 | 1.06 | 0.12 | 0.14 | 0.18 | 0.20 | 0.21 | 0.25 | 0.26 |
| Interest coverage | 0.6 | 0.5 | 0.7 | 1.8 | 5.5 | 2.3 | 1.2 | 1.3 | 2.1 | 3.1 |
| Working capital | $73.8M | −$6.53B | −$5.98B | −$5.61B | −$4.03B | −$3.58B | −$3.40B | −$3.45B | −$2.32B | −$2.24B |
| Invested capital | $1.55B | $1.05B | $1.10B | $1.13B | $5.87B | $5.43B | $379.5M | $398.3M | $3.64B | $276.3M |
| Tangible asset value | $965.6M | $847.7M | $733.7M | $618.4M | $5.85B | $5.45B | $445.6M | $377.9M | $3.68B | $265.5M |
| Net current asset value | −$8.39B | −$7.50B | −$7.12B | −$6.68B | $327.3M | $402.5M | −$3.85B | −$3.88B | $285.4M | −$2.46B |
| Graham number | $106.48 | $94.25 | $89.24 | $77.70 | $227.81 | $172.16 | $52.08 | $44.97 | $126.41 | $33.07 |
| Graham net-net per share | −$492.64 | −$442.22 | −$611.14 | −$401.96 | $15.44 | $19.30 | −$250.37 | −$267.88 | $11.87 | −$202.68 |
| Capital allocation | ||||||||||
| Dividends paid | $4.1M | $4.0M | $4.0M | $3.9M | $3.8M | $3.8M | $3.8M | $3.3M | $2.5M | $2.0M |
| Share buybacks (net) | $21.6M | $0 | $8.7M | $53.0M | $14.2M | $3.8M | $0 | $0 | $0 | $0 |
| Dividend payout ratio | 3.2% | 3.5% | 3.5% | 4.0% | 3.8% | 6.2% | 6.6% | 7.7% | 7.0% | 7.2% |
| Dividends + buybacks / free cash flow | 7.3% | 1.0% | 3.5% | 66.6% | 24.2% | 7.0% | 5.9% | 6.2% | 8.9% | 5.3% |
| Capex / revenue | 11.3% | 7.6% | 2.8% | 9.1% | 4.8% | 1.4% | 4.5% | 5.2% | 3.6% | 4.5% |
| Capex / operating cash flow | 16.0% | 10.0% | 4.0% | 28.0% | 15.8% | 3.8% | 16.2% | 17.8% | 17.1% | 13.9% |
| Capex / depreciation | 5.48 | 3.96 | 1.28 | 3.16 | 1.89 | 0.57 | 1.66 | 1.87 | 1.16 | 1.56 |
| Stock-based compensation / revenue | 0.5% | 0.5% | 0.5% | 0.7% | 0.8% | 0.7% | 0.9% | 0.7% | 0.7% | 0.7% |
| SG&A / revenue | 23.6% | 24.3% | 28.0% | 34.5% | 37.3% | 33.8% | 35.7% | 34.6% | 37.7% | 37.9% |
| Efficiency | ||||||||||
| Days sales outstanding | 15.1 | 14.5 | 20.8 | 37.2 | 67.0 | 90.6 | 134.8 | 215.0 | 345.2 | 460.4 |
| Days of inventory on hand | — | — | -5,736.4 | -912.2 | -2,134.6 | -852.7 | -1,362.4 | -1,475.8 | -2,206.2 | -1,524.5 |
| Days payables outstanding | — | — | — | 28,544.1 | 68,393.7 | 17,825.8 | 21,300.8 | 24,876.2 | 38,797.5 | 42,738.3 |
| Cash conversion cycle (days) | — | — | — | -29,419.2 | -70,461.3 | -18,587.9 | -22,528.5 | -26,137.1 | -40,658.6 | -43,802.3 |
| Receivables turnover | 24.21 | 25.19 | 17.54 | 9.81 | 5.45 | 4.03 | 2.71 | 1.70 | 1.06 | 0.79 |
| Payables turnover | — | — | — | 0.01 | 0.01 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 |
| Asset turnover | 0.06 | 0.07 | 0.06 | 0.05 | 0.05 | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 |
| Average receivables | $24.6M | $23.3M | $30.5M | $37.3M | $53.9M | $76.1M | $102.9M | $129.7M | $153.4M | $169.5M |
| Average payables | — | — | — | $5.45B | $4.76B | $4.26B | $3.94B | $3.62B | $2.97B | $2.27B |
| Average inventory | — | — | −$3.28B | −$174.3M | −$148.6M | −$203.5M | −$252.3M | −$214.9M | −$168.8M | −$81.1M |
| Intangibles / total assets | 1.5% | 1.7% | 1.8% | 1.9% | 1.4% | 1.5% | 1.8% | 1.9% | 0.9% | 0.6% |
Computed from QCRH's annual financial statements (latest annual report filed February 27, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
QCRH valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), QCR traded at 11.0 times earnings, against a 10-year median of 11.1. Based on the latest twelve months, the trailing P/E is 11.7 and the forward P/E is 12.2. QCR earned a return on equity of 12.1% and a return on invested capital of 9.8% in fiscal 2025. It ended the year with $617.9 million of debt and $183.5 million in cash and short-term investments, net debt of $434.4 million. It returned $25.7 million to shareholders: $4.1 million in dividends and $21.6 million in share buybacks, 7% of free cash flow. The share count rose 31.3% from 12.8M to 16.8M over 9 years.
See the QCRH income statement, the QCRH chart for price history, or the QCRH stock overview for the latest quote and news.
QCRH key metrics FAQ
What is QCR's P/E ratio?
QCR's trailing P/E ratio is 11.7 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 12.2. At the end of fiscal 2025 it was 11.0, compared with a 10-year median of 11.1.
What is QCR's EV/EBITDA?
QCR's enterprise value was 12.3 times EBITDA at the end of fiscal 2025 (enterprise value $1.8 billion, EBITDA $148.2 million).
What is QCR's return on equity?
QCR's return on equity (ROE) was 12.1% in fiscal 2025: net income of $127.2 million on average shareholders' equity of $1.1 billion.
What is QCR's ROIC?
QCR's return on invested capital was 9.8% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does QCR have?
QCR had total debt of $617.9 million at the end of fiscal 2025, a debt-to-equity ratio of 0.56 and $434.4 million of net debt (2.93 times EBITDA).
What is QCR's dividend yield?
QCR's forward dividend yield is 0.61%. QCR paid $4.1 million in dividends in fiscal 2025 ($0.24 per share), a payout ratio of 3.2%.
Does QCR buy back its shares?
Yes. QCR spent $21.6 million on net share repurchases in fiscal 2025 Shares outstanding changed −1.2% over the year, to 16.8M..
What is QCR's free cash flow yield?
QCR generated $354.1 million of free cash flow in fiscal 2025, a free cash flow yield of 25.4% on its market value at year-end ($1.4 billion).
What is QCR's current ratio?
QCR's current ratio was 28.87 at the end of fiscal 2025: current assets were 28.87 times current liabilities.