image
QCR Holdings, Inc. QCRH
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 65.23
-1.06 %
$ 1.1 B
Market Cap
9.81
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one QCRH stock under the worst case scenario is HIDDEN Compared to the current market price of 65.2 USD, QCR Holdings, Inc. is HIDDEN

QCRH Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one QCRH stock under the base case scenario is HIDDEN Compared to the current market price of 65.2 USD, QCR Holdings, Inc. is HIDDEN

QCRH Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one QCRH stock under the best case scenario is HIDDEN Compared to the current market price of 65.2 USD, QCR Holdings, Inc. is HIDDEN

QCRH Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart QCRH

image
1M -3%
6M -38%
1Y 12%
3Y 24%
5Y 134%
All
$95.0$95.0$90.0$90.0$85.0$85.0$80.0$80.0$75.0$75.0$70.0$70.0$65.0$65.0$60.0$60.015 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '25
FINANCIALS
338 M REVENUE
-1.61%
Growth Rates
1Year -1.61%
3Years 7.50%
5Years 9.14%
7Years 13.08%
10Years 14.43%
124 M OPERATING INCOME
-2.22%
Growth Rates
1Year -2.22%
3Years 0.69%
5Years 11.48%
7Years 17.27%
10Years 21.29%
114 M NET INCOME
0.26%
Growth Rates
1Year 0.26%
3Years 4.80%
5Years 14.68%
7Years 18.02%
10Years 22.51%
445 M OPERATING CASH FLOW
18.13%
Growth Rates
1Year 18.13%
3Years 71.44%
5Years 42.19%
7Years 44.55%
10Years 33.04%
-845 M INVESTING CASH FLOW
-12.81%
Growth Rates
1Year -12.81%
3Years -27.09%
5Years -22.32%
7Years -10.87%
10Years -20.59%
395 M FINANCING CASH FLOW
-3.67%
Growth Rates
1Year -3.67%
3Years 9.67%
5Years 12.14%
7Years 0.49%
10Years 14.66%
135 M REVENUE
51.20%
Growth Rates
1Year -1.61%
3Years 7.50%
5Years 9.14%
7Years 13.08%
10Years 14.43%
26.1 M OPERATING INCOME
0.00%
Growth Rates
1Year -2.22%
3Years 0.69%
5Years 11.48%
7Years 17.27%
10Years 21.29%
30.2 M NET INCOME
8.78%
Growth Rates
1Year 0.26%
3Years 4.80%
5Years 14.68%
7Years 18.02%
10Years 22.51%
177 M OPERATING CASH FLOW
-25.53%
Growth Rates
1Year 18.13%
3Years 71.44%
5Years 42.19%
7Years 44.55%
10Years 33.04%
-175 M INVESTING CASH FLOW
48.02%
Growth Rates
1Year -12.81%
3Years -27.09%
5Years -22.32%
7Years -10.87%
10Years -20.59%
-14.2 M FINANCING CASH FLOW
-12.79%
Growth Rates
1Year -3.67%
3Years 9.67%
5Years 12.14%
7Years 0.49%
10Years 14.66%
Balance Sheet QCR Holdings, Inc.
image
Current Assets 7.07 B
Cash & Short-Term Investments 516 M
Receivables 6.69 B
Other Current Assets -143 M
Non-Current Assets 309 M
Long-Term Investments 1.2 B
PP&E 159 M
Other Non-Current Assets -1.05 B
7.00 %90.76 %16.27 %Total Assets$7.4b
Current Liabilities 1.8 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 1.8 M
Non-Current Liabilities 8.03 B
Long-Term Debt 0
Other Non-Current Liabilities 8.03 B
99.98 %Total Liabilities$8.0b
EFFICIENCY
Earnings Waterfall QCR Holdings, Inc.
image
Revenue 338 M
Cost Of Revenue 338 M
Gross Profit 59.8 K
Operating Expenses 338 M
Operating Income 124 M
Other Expenses 10.2 M
Net Income 114 M
400m400m300m300m200m200m100m100m00(100m)(100m)(200m)(200m)(300m)(300m)(400m)(400m)338m(338m)60k(338m)124m(10m)114mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
0.02% GROSS MARGIN
0.02%
Averages
1Year 0.02%
3Years 66.08%
5Years 79.65%
7Years 85.46%
10Years 89.83%
36.72% OPERATING MARGIN
36.72%
Averages
1Year 36.72%
3Years 37.00%
5Years 36.46%
7Years 34.91%
10Years 32.38%
33.71% NET MARGIN
33.71%
Averages
1Year 33.71%
3Years 33.12%
5Years 31.55%
7Years 29.73%
10Years 27.30%
11.41% ROE
11.41%
Averages
1Year 11.41%
3Years 12.35%
5Years 12.37%
7Years 11.67%
10Years 10.90%
1.26% ROA
1.26%
Averages
1Year 1.26%
3Years 1.28%
5Years 1.30%
7Years 1.22%
10Years 1.10%
1.56% ROIC
1.56%
Averages
1Year 1.56%
3Years 0.05%
5Years -1.09%
7Years -0.77%
10Years -0.40%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis QCR Holdings, Inc.
image
450m450m400m400m350m350m300m300m250m250m200m200m150m150m100m100m50m50m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 114 M
Depreciation & Amortization 11.2 M
Capital Expenditures 0
Stock-Based Compensation 2.82 M
Change in Working Capital -25.9 M
Others 324 M
Free Cash Flow 400 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets QCR Holdings, Inc.
image
Wall Street analysts predict an average 1-year price target for QCRH of $78 , with forecasts ranging from a low of $78 to a high of $78 .
QCRH Lowest Price Target Wall Street Target
78 USD 19.58%
QCRH Average Price Target Wall Street Target
78 USD 19.58%
QCRH Highest Price Target Wall Street Target
78 USD 19.58%
Price
Max Price Target
Min Price Target
Average Price Target
959590908585808075757070656560605555Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.08% DIVIDEND YIELD
0.06 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.250.250.200.200.150.150.100.100.050.050.000.000.040.050.060.060.060.060.060.060.060.060.040.040.050.060.060.060.060.060.060.060.040.050.060.060.060.060.060.060.060.040.160.040.180.050.220.060.240.060.240.060.240.060.240.060.240.060.240.060.180.002015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
Download SVG
Download PNG
Download CSV
5. COMPETITION
slide 2 of 7
6. Ownership
Insider Ownership QCR Holdings, Inc.
image
Sold
0-3 MONTHS
46.2 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
55.3 K USD 1
9-12 MONTHS
0 USD 0
Bought
64.5 K USD 1
0-3 MONTHS
85.8 K USD 1
3-6 MONTHS
6.51 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
QCR Holdings, Inc. (QCRH) Q1 2025 Earnings Call Transcript QCR Holdings, Inc. (NASDAQ:QCRH ) Q1 2025 Earnings Conference Call April 23, 2025 11:00 AM ET Company Participants Larry Helling - CEO Todd Gipple - President & CFO Conference Call Participants Damon DelMonte - KBW Ryan Payne - D.A. Davidson Daniel Tamayo - Raymond James Brian Martin - Janney Montgomery Nathan Race - Piper Sandler Operator Greetings, and welcome to the QCR Holdings, Inc., Earnings Conference Call for the First Quarter of 2025. seekingalpha.com - 3 weeks ago
QCR Holdings (QCRH) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates The headline numbers for QCR Holdings (QCRH) give insight into how the company performed in the quarter ended March 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 3 weeks ago
QCR Holdings (QCRH) Beats Q1 Earnings Estimates QCR Holdings (QCRH) came out with quarterly earnings of $1.53 per share, beating the Zacks Consensus Estimate of $1.52 per share. This compares to earnings of $1.59 per share a year ago. zacks.com - 3 weeks ago
QCR Holdings, Inc. Announces Net Income of $25.8 Million for the First Quarter of 2025 First Quarter 2025 Highlights Net income of $25.8 million, or $1.52 per diluted share Adjusted net income (non-GAAP) of $26.0 million, or $1.53 per diluted share Adjusted NIM (TEY) (non-GAAP) expanded to 3.41% Robust core deposit growth of 20% annualized Wealth management revenue growth of 14% annualized Tangible book value per share (non-GAAP) grew $1.43, or 11% annualized TCE/TA ratio (non-GAAP) improved 15 basis points to 9.70% MOLINE, Ill., April 22, 2025 (GLOBE NEWSWIRE) -- QCR Holdings, Inc. (NASDAQ: QCRH) (the “Company”) today announced quarterly net income of $25.8 million and diluted earnings per share (“EPS”) of $1.52 for the first quarter of 2025, compared to net income of $30.2 million and diluted EPS of $1.77 for the fourth quarter of 2024. globenewswire.com - 3 weeks ago
Should Value Investors Buy QCR Holdings (QCRH) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 4 weeks ago
Earnings Preview: QCR Holdings (QCRH) Q1 Earnings Expected to Decline QCR Holdings (QCRH) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 1 month ago
Here's Why QCR Holdings (QCRH) Could be Great Choice for a Bottom Fisher QCR Holdings (QCRH) witnesses a hammer chart pattern, indicating support found by the stock after losing some value lately. This coupled with an upward trend in earnings estimate revisions could mean a trend reversal for the stock in the near term. zacks.com - 1 month ago
QCR Holdings, Inc. to Report First Quarter 2025 Financial Results MOLINE, Ill., April 01, 2025 (GLOBE NEWSWIRE) -- QCR Holdings, Inc. (NASDAQ: QCRH) (“QCRH” or the “Company”) announced today that its first quarter ended March 31, 2025 financial results will be released after the market closes on Tuesday, April 22, 2025. The Company will host a conference call and webcast the next day, Wednesday, April 23, 2025, at 10:00 a.m. Central Time to discuss the results. Shareholders, analysts, and other interested parties are invited to join. globenewswire.com - 1 month ago
QCR Holdings, Inc. Announces CEO Retirement and Executive Transition MOLINE, Ill., Feb. 24, 2025 (GLOBE NEWSWIRE) -- QCR Holdings, Inc. (NASDAQ: QCRH) (“QCR Holdings” or the “Company”), today announced that, effective immediately following the annual stockholders meeting on May 22, 2025, Larry J. Helling will retire from his role as Chief Executive Officer of the Company and of Cedar Rapids Bank and Trust Company, one of the Company's wholly-owned bank subsidiaries. Additionally, Mr. Helling will also retire at that time from the boards of directors of the Company and Cedar Rapids Bank and Trust Company. Upon Mr. Helling's retirement, Todd A. Gipple, the Company's current President and Chief Financial Officer, will become President and Chief Executive Officer of the Company. Additionally, Nick W. Anderson, the Company's current Senior Vice President and Chief Accounting Officer, will become the Company's Chief Financial Officer upon Mr. Gipple's move to Chief Executive Officer. globenewswire.com - 2 months ago
QCR Holdings, Inc. Announces a Cash Dividend of $0.06 Per Share MOLINE, Ill., Feb. 21, 2025 (GLOBE NEWSWIRE) -- QCR Holdings, Inc. (NASDAQ: QCRH) (the “Company”) today announced that on February 19, 2025, the Company's Board of Directors declared a cash dividend of $0.06 per share payable on April 3, 2025, to holders of common stock of the Company of record on March 19, 2025. globenewswire.com - 2 months ago
QCR Holdings, Inc. (QCRH) Q4 2024 Earnings Call Transcript QCR Holdings, Inc. (NASDAQ:QCRH ) Q4 2024 Earnings Conference Call January 23, 2025 11:00 AM ET Company Participants Larry Helling - CEO Todd Gipple - President and CFO Conference Call Participants Damon DelMonte - KBW Nathan Race - Piper Sandler Brian Martin - Janney Montgomery Tim DeLacey - Raymond James Operator Greetings, and welcome to the QCR Holdings Incorporated Earnings Conference Call for the Fourth Quarter and Full Year 2024. Yesterday after market closed, the company distributed its fourth quarter earnings press release. seekingalpha.com - 3 months ago
Compared to Estimates, QCR Holdings (QCRH) Q4 Earnings: A Look at Key Metrics The headline numbers for QCR Holdings (QCRH) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 3 months ago
8. Profile Summary

QCR Holdings, Inc. QCRH

image
COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.1 B
Dividend Yield 0.08%
Description 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.
Contact 3551 Seventh Street, Moline, IL, 61265 https://www.qcrh.com
IPO Date Oct. 6, 1993
Employees 972
Officers Ms. Cari J. Henson Vice President & Corporate Communications Manager Mr. Deborah M. Neyens General Counsel & Corporate Secretary Mr. Michael A. Bauer Co-Founder, Consultant and Director of Quad City Bank & Trust Mr. Larry J. Helling Chief Executive Officer & Director Mr. Nick W. Anderson Senior Vice President & Chief Accounting Officer Ms. Reba K. Winter Executive Vice President & Chief Operating Officer Mr. Todd A. Gipple CPA President, Chief Financial Officer & Director Mr. Monte C. McNew Chief Lending Officer Mr. M. Randolph Westlund C.F.A. Chief Investment Officer & Executive Vice President Ms. Tonia F. Taylor Senior Vice President & Director of Compliance