QCRH

BULLISH

$92.77 Live

QCR Holdings, Inc. · NASDAQ

Target $100.8 (+8.7%)

$63.67 52W Range $96.0

QCRH QCR Holdings, Inc. - Fundamental Analysis

BULLISH

Console Chart News

QCRH Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$92.77

Analyst Target

$100.8

+8.7% Upside

52W High

$96.0

52W Low

$63.67

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 18, 2026

Market cap

$1.55B

P/E

12.1

ROE

12.1%

Profit margin

36.2%

Debt/Equity

N/A

Dividend yield

0.43%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

QCRH exhibits a stable financial profile with a Piotroski F-Score of 4/9 and is currently undervalued, trading at $92.77, well below its Graham Number of $105.98 and Intrinsic Value of $220.96. The company demonstrates exceptional operational consistency, having beaten earnings estimates in nearly every quarter over the last 25 reporting periods. While technical trends and insider sentiment are currently bearish, the strong YoY revenue (17.10%) and earnings growth (19.40%) provide a powerful fundamental cushion. The valuation suggests a significant margin of safety for long-term investors.

Key Strengths

Exceptional earnings track record with consistent beats over 25 quarters

Strong growth profile with YoY earnings growth of 19.40%

Trading at a discount to both Graham Number and Intrinsic Value

Healthy profitability metrics for a regional bank (ROE 12.06%, ROA 1.37%)

Extremely low dividend payout ratio (3.20%), allowing for significant future dividend growth or reinvestment

Key Risks

Strongly bearish technical trend (10/100) indicating short-term price pressure

Low insider sentiment with net selling activity

Piotroski F-Score of 4/9 indicates only 'Stable' health rather than 'Strong'

Exposure to regional banking sector volatility and interest rate risk

Very low current dividend yield (0.43%) may deter income-focused investors

AI Fair Value Estimate

Based on comprehensive analysis

$115.5

+24.5% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Strong Fundamental Value

Key drivers: Consistent earnings surprises, Undervaluation relative to Graham Number, Double-digit growth rates

Confidence

90%

Value

90/100

Ref P/E 12.10, Graham Number $105.98

Positives

P/E of 12.10 is low for the growth rate
Price is below Graham Number ($105.98)

Watchpoints

P/B of 1.39 is slightly above book value

Future

85/100

Ref Growth rates

Positives

17.10% Revenue Growth
19.40% Earnings Growth

Watchpoints

Regional bank growth is sensitive to macro-economic shifts

Past

95/100

Ref Historical trends

Positives

25-quarter streak of beating estimates
Strong 5Y price change of +95.3%

Watchpoints

No urgent risks highlighted.

Health

50/100

Ref Piotroski F-Score 4/9

Positives

Stable Piotroski score

Watchpoints

Piotroski F-Score 4/9 is mediocre
Altman Z-Score not applicable/provided for bank structure

Dividend

40/100

Ref Yield 0.43%, Payout 3.20%

Positives

Very sustainable payout ratio (3.20%)

Watchpoints

Negligible yield (0.43%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$92.77

Analyst Target

$100.8

Upside/Downside

+8.7%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for QCRH and closest competitors.

Updated 2026-04-17

Company	5Y	3Y	1Y	6M	1M	1W
QCRH QCR Holdings, Inc. Primary	+95.3%	+130.6%	+39.1%	+37.4%	+14.9%	+2.2%
BCAT BlackRock Capital Allocation Term Trust Peer	+28.2%	+62.6%	+16.7%	+9.3%	+5.2%	+0.9%
HOPE Hope Bancorp, Inc. Peer	+0.4%	+48.0%	+40.8%	+19.7%	+13.7%	+5.3%
BMEZ BlackRock Health Sciences Term Trust Peer	-15.2%	+31.8%	+7.0%	+16.6%	+2.9%	+1.9%
BFC Bank First Corporation Peer	+124.3%	+126.4%	+38.6%	+17.3%	+7.2%	-1.9%

QCR

QCR Holdings, Inc.

Primary

+95.3%

+130.6%

+39.1%

+37.4%

+14.9%

+2.2%

BCA

BlackRock Capital Allocation Term Trust

Peer

+28.2%

+62.6%

+16.7%

+9.3%

+5.2%

+0.9%

HOP

Hope Bancorp, Inc.

Peer

+0.4%

+48.0%

+40.8%

+19.7%

+13.7%

+5.3%

BME

BlackRock Health Sciences Term Trust

Peer

-15.2%

+31.8%

+7.0%

+16.6%

+2.9%

+1.9%

BFC

Bank First Corporation

Peer

+124.3%

+126.4%

+38.6%

+17.3%

+7.2%

-1.9%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

12.1

10.8

N/A

1.39

4.42

5.42

N/A

$1.55B

Profitability

Profit margins and return metrics

Profit Margin 36.19%

Operating Margin 41.3%

Gross Margin N/A

ROE 12.06%

ROA 1.37%

Growth

Revenue and earnings growth rates

Revenue Growth +17.1%

Earnings Growth +19.4%

Q/Q Revenue Growth +17.48%

Q/Q Earnings Growth +18.0%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$30.03

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.1B

Net Margin

34.1%

Total Assets

$9.6B

Liabilities

$8.5B

Equity

$1.1B

Debt/Equity

7.61x

Operating CF

$0.3B

CapEx

$-0.0B

Free Cash Flow

$0.3B

FCF Yield

93%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-22

$N/A

2026-01-27

$2.21

+11.3% surprise

2025-10-22

$2.17

+24.1% surprise

2025-07-23

$1.73

+8.8% surprise

Financial Services Sector Comparison

Comparing QCRH against 500 companies in the Financial Services sector (90 bullish, 207 neutral, 203 bearish)

P/E Ratio

12.1

This Stock

45.14

Sector Avg

-73.2% (Discount)

Return on Equity (ROE)

12.06%

This Stock

-0.0%

Sector Avg

-281367.9% (Below Avg)

Profit Margin

36.19%

This Stock

48.63%

Sector Avg

-25.6% (Weaker)

Revenue Growth

17.1%

This Stock

36.71%

Sector Avg

-53.4% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
QCRH QCR Holdings, Inc.	BULLISH	$1.55B	12.1	12.1%	36.2%	$92.77
BCAT BlackRock Capital...	BEARISH	$1.54B	9.72	-%	-%	$14.67	Compare
HOPE Hope Bancorp, Inc.	NEUTRAL	$1.57B	25.0	2.8%	13.5%	$12.25	Compare
BMEZ BlackRock Health Sciences...	BEARISH	$1.57B	-	-%	-%	$15.54	Compare
BFC Bank First Corporation	BEARISH	$1.58B	19.67	11.1%	41.4%	$140.87	Compare

QCRH QCR Holdings, Inc.

BULLISH

Mkt Cap

$1.6B

P/E

12.1

ROE

12.1%

Price

$92.77

Compare with QCRH

HOPE Hope Bancorp, Inc.

Compare with QCRH

Compare with QCRH

BFC Bank First Corporation

Compare with QCRH

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-12	KLEIN JAMES D.	Officer	Sale	554	$45,705
2026-03-03	GIPPLE TODD A	Chief Executive Officer	Stock Award	-	-
2026-03-03	GIBSON KURT A	Chief Executive Officer	Option Exercise	114	$8,555
2026-03-03	MCNEW MONTE C	Officer	Option Exercise	128	$9,605
2026-03-03	LEE NICOLE A	Officer	Option Exercise	146	$10,956
2026-03-03	KLEIN JAMES D.	Officer	Option Exercise	116	$8,705
2026-03-03	EKIZIAN LAURA L	Officer	Option Exercise	68	$5,103
2026-03-02	BATTEN JAMES R	Director	Stock Award	387	$34,052
2026-03-02	KILMER MARK C	Director	Stock Award	387	$34,052
2026-03-02	BESONG JOHN PAUL E	Director	Stock Award	341	$30,005
2026-03-02	GRIESEMER JOHN F	Director	Stock Award	387	$34,052
2026-03-02	ZIEGLER MARIE Z	Director	Stock Award	432	$38,012
2026-03-02	BATES MARY KAY	Director	Stock Award	341	$30,005
2026-03-02	JACOBS ELIZABETH S	Director	Stock Award	387	$34,052
2026-03-02	ANDERSON NICK W	Officer	Option Exercise	148	$11,756

KLEIN JAMES D.

Officer

Sell

2026-03-12

554 shares · $45,705

GIPPLE TODD A

Chief Executive Officer

Stock Award

2026-03-03

GIBSON KURT A

Chief Executive Officer

Option Exercise

2026-03-03

114 shares · $8,555

MCNEW MONTE C

Officer

Option Exercise

2026-03-03

128 shares · $9,605

LEE NICOLE A

Officer

Option Exercise

2026-03-03

146 shares · $10,956

KLEIN JAMES D.

Officer

Option Exercise

2026-03-03

116 shares · $8,705

EKIZIAN LAURA L

Officer

Option Exercise

2026-03-03

68 shares · $5,103

BATTEN JAMES R

Director

Stock Award

2026-03-02

387 shares · $34,052

KILMER MARK C

Director

Stock Award

2026-03-02

387 shares · $34,052

BESONG JOHN PAUL E

Director

Stock Award

2026-03-02

341 shares · $30,005

GRIESEMER JOHN F

Director

Stock Award

2026-03-02

387 shares · $34,052

ZIEGLER MARIE Z

Director

Stock Award

2026-03-02

432 shares · $38,012

BATES MARY KAY

Director

Stock Award

2026-03-02

341 shares · $30,005

JACOBS ELIZABETH S

Director

Stock Award

2026-03-02

387 shares · $34,052

ANDERSON NICK W

Officer

Option Exercise

2026-03-02

148 shares · $11,756

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A

FORM DEF 14A

2026-04-09

QCRH filed a Definitive Proxy Statement on April 9, 2026, providing shareholders with necessary information to vote on matters at the company's annual meeting.

10-K

2026-02-27

QCRH's 10-K filing outlines its financial performance with a focus on net interest income, loan and lease portfolios, and deposit management. The report details strategic financial metrics and liquidity resources while addressing critical accounting estimates and operational risk factors.

8-K

FORM 8-K

2026-02-19

QCR Holdings, Inc. filed an 8-K, likely to announce its fourth quarter and full-year financial results for 2025.

8-K

FORM 8-K

2026-01-27

Quaker Chemical Corporation likely filed this 8-K to report its fourth-quarter and full-year financial results.

8-K

2026-01-27

Quaker Capital Corporation filed an 8-K on January 27, 2026, likely to report its quarterly or annual financial results.

8-K

FORM 8-K

2025-11-21

QCR Holdings, Inc. filed an 8-K likely announcing its third-quarter financial results.

10-Q

2025-11-07

QCRH filed its quarterly 10-Q report on November 7, 2025. The company reported no material changes to its risk factors since the previous disclosure. Specific financial highlights were not provided in the available excerpts.

8-K

FORM 8-K

2025-10-24

QCR Holdings, Inc. filed an 8-K on October 24, 2025, likely to announce its third-quarter financial results.

8-K

2025-10-22

QCR Holdings, Inc. filed an 8-K, likely to announce its third-quarter financial results for 2025.

8-K

FORM 8-K

2025-09-15

8-K

FORM 8-K

2025-08-22

10-Q

2025-08-08

8-K

FORM 8-K

2025-07-25

8-K

FORM 8-K

2025-07-25

8-K

FORM 8-K

2025-07-23

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

5 analysts

Piper Sandler

2026-01-30

reit

Overweight Overweight

DA Davidson

2026-01-29

Maintains

Neutral Neutral

Keefe, Bruyette & Woods

2026-01-29

Maintains

Outperform Outperform

Raymond James

2025-10-27

reit

Outperform Outperform

Piper Sandler

2025-10-27

Maintains

Overweight Overweight

Past News Coverage

Recent headlines mentioning QCRH from our newsroom.

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QCRH

QCRH QCR Holdings, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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