QCRH Financial Services

QCR Holdings, Inc.

$102.18-1.22%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 1.7B USD
Full-time employees: 1,001

Overall health

Strength: more profitable than most peersmore profitable than peers
Strength: growing faster than most peersgrowing faster than peers
About average: valuation

Ranks #227 of 791 banks & insurance companies (top 29%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Nothing unusual stands out. Its strongest area is growth (69/100).
None of our checks flag anything unusual in QCR's latest figures; its strongest area is growth, at 69 out of 100.

StockQuotient Score

60/ 100

Oct 5 61 → Nov 4 60 (-1)

Valuation

Is the price right?

49/100

Moderate▲ 1 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: ▲ Stronger

Share count down 2.8%

Valuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 48 → 49

Share price -0.6%+1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Held back by:

▼ P/B

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield68.7%

SEC filings · latest balance sheetReported value40% base weight · Z-score -0.38Sector median: 0.7950 · MAD: 0.2843

Earnings yield8.5%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score 0.23Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield47.4%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingOutlier capped at sector 5th/95th percentileInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

69/100

Moderate

1/1 inputs reported · High confidence

Since last quarter: ▲ Stronger

12-month revenue up 3.0%

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth30.2%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score 0.80Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth5.8%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth6.5%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

62/100

Moderate

2/2 inputs reported · High confidence

Since last quarter: ▲ Stronger

Net margin rose 4.1 points to 23.5%

Why

Stronger than most peers on:

▲ ROA
▲ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.5%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.51Sector median: 0.0117 · MAD: 0.0062

Return on equity12.4%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.41Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about QCR

Is QCR getting weaker?: Its latest SEC filing (Aug 7, 2026) got stronger: net margin rose 4.1 points to 23.5%; share count down 2.8%. Its overall score is unchanged at 60/100 since Oct 28, 2026.
How is QCR valued vs its peers?: Priced about in line with its peers. Valuation scores 49/100 against 950 banks & insurance peers. Book yield 68.7% vs a peer median of 79.5% (weaker than 61% of peers).Book yield 68.7% vs peers 79.5% (weaker than 61% of peers).
Is QCR growing?: Yes, faster than most of its peers. Growth scores 69/100 against 950 banks & insurance peers. Earnings per share growth 30.2% vs a peer median of 16.0% (stronger than 69% of peers).Earnings per share growth 30.2% vs peers 16.0% (stronger than 69% of peers).
How profitable is QCR?: More profitable than most of its peers. Profitability scores 62/100 against 950 banks & insurance peers. Return on assets 1.5% vs a peer median of 1.2% (stronger than 66% of peers).Return on assets 1.5% vs peers 1.2% (stronger than 66% of peers).
How risky is QCR?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Sep 30, 2024 · filed Aug 7, 2026 · compared with the quarter ended Jun 30, 2024

Got stronger

Net margin rose 4.1 points to 23.5%
Share count down 2.8%

	Previous quarter	Latest quarter	Change
Revenue (12 months)	587.7M USD	605.1M USD	+3.0%
Net income (12 months)	113.8M USD	142.0M USD	+24.8%
Free cash flow (12 months)	312.4M USD	792.8M USD	+153.7%
Shares outstanding	16.8M	16.4M	−2.8%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Net margin	32.9%	26.5%	20.8%	—	—	—
Return on assets (ROA)	1.6%	1.2%	1.3%	1.3%	1.3%	▲ 0.1 pts
Return on equity (ROE)	14.6%	12.8%	12.8%	11.4%	11.4%	▲ 0.0 pts
Debt to equity	0.01×	0.17×	0.00×	0.00×	0.00×	▲ 32%

QCRH price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Strength: more profitable than most peersmore profitable than peers

Strength: growing faster than most peersgrowing faster than peers

About average: valuation

Ranks #227 of 791 banks & insurance companies (top 29%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about QCR

Is QCR getting weaker?

Its latest SEC filing (Aug 7, 2026) got stronger: net margin rose 4.1 points to 23.5%; share count down 2.8%. Its overall score is unchanged at 60/100 since Oct 28, 2026.

How is QCR valued vs its peers?

Priced about in line with its peers. Valuation scores 49/100 against 950 banks & insurance peers. Book yield 68.7% vs a peer median of 79.5% (weaker than 61% of peers).Book yield 68.7% vs peers 79.5% (weaker than 61% of peers).

Is QCR growing?

Yes, faster than most of its peers. Growth scores 69/100 against 950 banks & insurance peers. Earnings per share growth 30.2% vs a peer median of 16.0% (stronger than 69% of peers).Earnings per share growth 30.2% vs peers 16.0% (stronger than 69% of peers).

How profitable is QCR?

More profitable than most of its peers. Profitability scores 62/100 against 950 banks & insurance peers. Return on assets 1.5% vs a peer median of 1.2% (stronger than 66% of peers).Return on assets 1.5% vs peers 1.2% (stronger than 66% of peers).

How risky is QCR?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

587.7M USD

605.1M USD

+3.0%

Net income (12 months)

113.8M USD

142.0M USD

+24.8%

Free cash flow (12 months)

312.4M USD

792.8M USD

+153.7%

Shares outstanding

16.8M

16.4M

−2.8%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Net margin

32.9%

26.5%

20.8%

—

Return on assets (ROA)

1.6%

1.2%

1.3%

▲ 0.1 pts

Return on equity (ROE)

14.6%

12.8%

11.4%

▲ 0.0 pts

Debt to equity

0.01×

0.17×

0.00×

▲ 32%