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QCR Holdings (QCRH) Stock Price & Analysis
QCRH Stock Chart & Stats
- Day’s Range
- $100.69 - $106.56
- 52-Week Range
- $74.78 - $108.11
- Previous Close
- $103.80
- Volume
- N/A
- Average Volume (3M)
- 126.26K
- Market Cap
- $1.69B
- Enterprise Value
- $2.54B
- Total Cash (Recent Filing)
- $1.62B
- Total Debt (Recent Filing)
- $1.02B
- Price to Earnings (P/E)
- 11.8
- Beta
- 0.82
- Next Earnings
- Jan 26, 2027 (Est.)
- EPS Estimate
- 2.31
- Last Dividend Ex-Date
- Sep 18, 2026
- Dividend Yield
- 0.41%
Bulls Say, Bears Say
Bulls Say
Robust Loan Growth And Market-share Gains
Sustained loan expansion and continued market-share gains indicate that QCR is deepening client relationships and winning new business. This supports recurring net interest income, improves operating scale, and provides a durable platform for growth across its commercial and community banking markets.
Diversified Fee Income And LIHTC Franchise
A strong LIHTC franchise and expanding wealth and capital-markets activities diversify revenue beyond traditional lending spreads. That mix can improve resilience across interest-rate cycles, deepen institutional relationships, and create recurring fee opportunities while supporting continued loan origination.
Improving Operating Leverage Through Technology
Modernizing the core technology platform can create lasting efficiency and service advantages rather than merely reducing one quarter's expenses. Lower processing costs, stronger digital capabilities, and the remaining conversion may improve scalability and support margin expansion through 2027 and beyond.
Bears Say
Deposit Competition Limits Margin Expansion
Funding pressure can constrain net interest margin even when loans grow, because higher deposit costs and liability sensitivity reduce the benefit of asset repricing. Persistent competition may therefore limit earnings conversion from growth and keep profitability exposed to funding-mix changes.
Regulatory Durbin Revenue Headwind
Crossing the $10 billion asset threshold creates a structural reduction in future fee revenue rather than a temporary quarterly issue. Although LIHTC and wealth-management income may offset part of it, the change could pressure efficiency, revenue growth, and returns as the balance sheet expands.
LIHTC Execution And Competitive Constraints
Complex execution, limited affordable-housing equity, and aggressive competition can slow loan conversions and reduce the economics of QCR's LIHTC opportunity. These constraints may make fee realization and capital recycling less predictable, even though underlying affordable-housing demand remains strong.
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Company Description
QCR Holdings
QCR Holdings, Inc., operating as a multi-bank holding company, delivers a wide array of financial services. These offerings include commercial and consumer banking, alongside specialized trust and asset management. The company provides various deposit products, such as demand accounts that are both interest and non-interest bearing, time deposits, and brokered deposits. Beyond its deposit services, QCR Holdings extends diverse commercial and retail lending, leasing, and investment opportunities. Its clientele is extensive, comprising corporations, partnerships, individual consumers, and government agencies. A significant portion of its loan portfolio is dedicated to small and mid-sized businesses, offering credit lines for operational and working capital purposes, term loans for purchasing facilities and equipment, and financing for commercial and residential real estate. For individuals, the company provides personal credit solutions, including installment loans for home improvements, home equity lines, vehicle financing, signature loans, and small personal credit lines. Additionally, QCR Holdings engages in the direct financing lease of machinery and equipment for commercial and industrial businesses and is involved in the issuance of trust preferred securities. The company serves communities primarily located in the Quad Cities, Cedar Rapids, Cedar Valley, Des Moines/Ankeny, and Springfield areas. Established in 1993, QCR Holdings, Inc. maintains its headquarters in Moline, Illinois.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Todd A. Gipple
- Employees
- 1,016
- Website
- www.qcrh.com
- Address
- 3551 Seventh Street, Moline, IL, 61265, US
QCR Holdings (QCRH) Earnings & Revenues
QCRH Earnings Call
Earnings Call SentimentPositive
The call was strongly positive. The company reported record earnings, expanding margins, robust loan growth, higher fee revenue, improving asset quality, disciplined expenses, strong capital generation, and continued progress on digital transformation and LIHTC capital recycling. The primary challenges were transaction timing, complexity in the prior LIHTC securitization structure, deposit and margin pressures, affordable-housing equity availability, intense lending competition, and a future Durbin revenue impact, but management provided constructive mitigation plans and reaffirmed key guidance.
View all QCRH earnings summariesQCRH Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 11 | 5 | 6 |
| Technical Analysis | 4 | 5 | 1 |
| Moving Averages | 7 | 0 | 5 |










