QCR Holdings, Inc.

QCR Holdings, Inc.

QCRHยทNASDAQ

$89.98

-0.30%
Financial ServicesBanks - Regional

QCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. Its deposit products include noninterest-bearing demand, interest-bearing demand, time, and brokered deposits. The company also provides various commercial and retail lending/leasing, and investment services to corporations, partnerships, individuals, and government agencies. Its loan portfolio comprises loans to small and mid-sized businesses; business loans, including lines of credit for working capital and operational purposes; term loans for the acquisition of facilities, equipment, and other purposes; commercial and residential real estate loans; and installment and other consumer loans, such as home improvement, home equity, motor vehicle, and signature loans, as well as small personal credit lines. In addition, the company engages in leasing of machinery and equipment to commercial and industrial businesses under direct financing lease contracts; and issuance of trust preferred securities. It serves the Quad Cities, Cedar Rapids, Cedar Valley, Des Moines/Ankeny, and Springfield communities. The company was founded in 1993 and is headquartered in Moline, Illinois.

At a Glance

Live Snapshot
Market Cap$1.49B
EPS7.5400
P/E Ratio11.93
Earnings Date07/22/2026
QCR Holdings, Inc.

QCR Holdings, Inc. Fair Value Envelope

QCRH ยท NASDAQ

Our analysis suggests that QCRH has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $89.98, this represents a potential HIDDEN relative to our calculated worth for QCR Holdings, Inc..

Intrinsic Value
Current Price: $89.98

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$2.5B
+ Cash & Equivalents$76.5M
Firm Value$2.6B
- Debt$617.9M
Equity Value$2.0B
/ Shares Outstanding16,905,534B
DCF Value$119
UNDERVALUED BY 32%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$373.1M
$330.3M
$292.4M
$258.8M
$229.1M
$202.8M
$179.5M
$158.9M
$140.6M
$124.5M
Maintenance CapEx
-$11.9M
-$10.6M
-$9.4M
-$8.3M
-$7.3M
-$6.5M
-$5.7M
-$5.1M
-$4.5M
-$4.0M
Owner Earnings
$361.2M
$319.7M
$283.0M
$250.5M
$221.7M
$196.3M
$173.7M
$153.8M
$136.1M
$120.5M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$334.4M
$274.1M
$224.7M
$184.1M
$150.9M
$123.7M
$101.4M
$83.1M
$68.1M
$55.8M
Terminal Value represents 37.2% of Enterprise Value