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QCR Holdings
(NASDAQ:QCRH)
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Rating:72Outperform
Price Target:
$112.00
▲(11.12% Upside)
Action:Reiterated
Date:08/24/26
QCRH scores well on fundamentals, led by solid profitability, improving leverage, and strong recent cash generation, reinforced by a generally upbeat earnings call with reaffirmed growth guidance. The score is moderated by uneven historical growth/cash-flow volatility and a mixed near-term technical picture, while valuation appears reasonable but the dividend yield remains modest.
Positive Factors
Strong profitability and cash generation
Sustained profitability and strong recent cash conversion provide internal capacity to fund growth, absorb credit costs and support capital returns. These metrics indicate a resilient earnings base, although historical cash-flow variability warrants continued monitoring.
Negative Factors
Net interest margin pressure
Margin pressure can directly constrain net interest income, the bank’s core earnings engine. Lower loan yields, reduced discount accretion and reliance on costlier funding may persist if asset repricing lags deposit and wholesale funding costs.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability and cash generation
Sustained profitability and strong recent cash conversion provide internal capacity to fund growth, absorb credit costs and support capital returns. These metrics indicate a resilient earnings base, although historical cash-flow variability warrants continued monitoring.
Read all positive factors
QCR Holdings Key Performance Indicators (KPIs)
Any
Net Interest Income by Segment
Measures interest earned minus interest paid for each segment—the core profit from lending and deposit-taking—indicating margin trends, funding pressure, and how changes in rates impact the bank’s primary earnings source.
Measures interest earned minus interest paid for each segment—the core profit from lending and deposit-taking—indicating margin trends, funding pressure, and how changes in rates impact the bank’s primary earnings source.
Data provided by:
The Fly
The FlyQCR Holdings (QCRH) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.66B
Dividend Yield0.31%
Average Volume (3M)117.56K
Price to Earnings (P/E)12.0
Beta (1Y)0.84
Revenue Growth6.17%
EPS Growth27.24%
CountryUS
Employees1,001
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)8.50
Shares Outstanding16,375,614
10 Day Avg. Volume96,695
30 Day Avg. Volume117,560
Financial Highlights & Ratios
PEG Ratio0.97
Price to Book (P/B)1.25
Price to Sales (P/S)2.34
P/FCF Ratio3.94
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$112.00Price Target Upside11.12% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)8.45
Revenue Forecast (FY)$427.18M
QCR Holdings Business Overview & Revenue Model
Company Description
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 dep...
How the Company Makes Money
QCR Holdings primarily earns money through its banking subsidiary by generating net interest income and noninterest income. Net interest income is driven by the spread between interest earned on loans and other earning assets (such as investment s...
QCR Holdings Earnings Call Summary
Earnings Call Date:Jul 22, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 28, 2026
Earnings Call Sentiment Positive
The call presented a predominantly positive performance: record/near-record earnings, strong loan growth, meaningful tangible book value accretion, robust capital markets and wealth momentum, improved asset quality, disciplined capital returns, and clear strategic progress on digital transformation and LIHTC platform expansion. The principal negatives were a modest NIM decline below guidance, a $1.3M loss and higher transaction complexity on a Freddie Mac LIHTC securitization, temporary balance sheet growth moderation from offtake transactions, and some near-term expense and provisioning variability. Management reaffirmed guidance for loan growth and capital markets revenue, emphasized expense discipline, and outlined remediation (alternative LIHTC sale structures) which mitigates the most significant near-term execution concern.Positive Updates
Strong Profitability and EPS Growth
Net income of $36.0 million and GAAP diluted EPS of $2.19; GAAP EPS was a record quarterly level and adjusted EPS was near-record. EPS increased 28% year-over-year, and return on average assets was 1.51%.
Negative Updates
NIM Pressure and Below-Guidance Outcome
NIM TEY declined 3 basis points from the first quarter and came in below the company's guidance range. Earlier intra-quarter pressure required a shift to higher-cost non-core funding and was driven by lower loan yields (reduced loan discount accretion and non-accrual activity).
Read all updates
Q2-2026 Updates
Positive
Negative
Strong Profitability and EPS Growth
Net income of $36.0 million and GAAP diluted EPS of $2.19; GAAP EPS was a record quarterly level and adjusted EPS was near-record. EPS increased 28% year-over-year, and return on average assets was 1.51%.
Read all positive updates
Company Guidance
Management reaffirmed gross annualized loan growth of 10%–15% for the final two quarters of 2026 and capital markets revenue of $60–$70 million for the next four quarters; Q3 NIM TEY is expected to be relatively static assuming no Fed moves (sensitivity: each 25 bps Fed cut ≈ +1 bp NIM TEY and ≈+$1 million NII, with a more muted effect for rate increases). Management highlighted upside from ~$127 million of fixed‑rate loans (current yield 5.81% expected to reprice ~40–50 bps higher), a municipal bond pipeline yielding ~7.0%–7.5% tax‑equivalent, and a retained LIHTC B‑piece of $33 million at an 8.5% TEY; average earning assets are modeled about $100 million lower to start the quarter but are expected to rise roughly $200 million period‑over‑period by Q3-end. They set Q3 non‑interest expense guidance of $54–$57 million while targeting annual non‑interest expense growth below 5% under the 9‑6‑5 model, forecast an effective tax rate of ~8%–10% for Q3, plan to execute an alternative LIHTC permanent sale in early 2027 to free regulatory capital, expect to cross the $10 billion asset mark in 2027, and remain opportunistic on buybacks with ~1.2 million shares available after repurchasing ~150,000 shares (~$13.5 million) in the quarter (≈$56 million returned since repurchases began).QCR Holdings Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
70
Positive
Cash Flow
78
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 618.96M | 596.75M | 587.77M | 535.62M | 365.61M | 293.76M |
| Gross Profit | 376.88M | 344.46M | 320.61M | 326.68M | 295.88M | 268.36M |
| EBITDA | 164.88M | 148.21M | 133.81M | 138.28M | 124.06M | 128.86M |
| Net Income | 142.01M | 127.19M | 113.85M | 113.56M | 99.07M | 98.91M |
Balance Sheet | ||||||
| Total Assets | 9.52B | 9.58B | 9.03B | 8.54B | 7.95B | 6.10B |
| Cash, Cash Equivalents and Short-Term Investments | 111.34M | 183.50M | 516.28M | 501.70M | 468.04M | 450.61M |
| Total Debt | 402.31M | 617.87M | 567.73M | 716.79M | 825.89M | 170.81M |
| Total Liabilities | 8.37B | 8.46B | 8.03B | 7.65B | 7.18B | 5.42B |
| Stockholders Equity | 1.15B | 1.11B | 997.39M | 886.60M | 772.72M | 677.01M |
Cash Flow | ||||||
| Free Cash Flow | 792.76M | 354.11M | 400.05M | 361.38M | 85.44M | 74.24M |
| Operating Cash Flow | 858.75M | 421.54M | 444.54M | 376.32M | 118.70M | 88.22M |
| Investing Cash Flow | -1.06B | -854.71M | -845.23M | -749.27M | -634.69M | -411.77M |
| Financing Cash Flow | 212.18M | 417.93M | 395.30M | 410.35M | 538.23M | 299.71M |
QCR Holdings Technical Analysis
Positive
100.79
Price Trends
100.84
Positive
96.51
Positive
91.52
Positive
Market Momentum
0.05
Positive
51.79
Neutral
72.83
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For QCRH, the sentiment is Positive. The current price of 100.79 is below the 20-day moving average (MA) of 101.96, below the 50-day MA of 100.84, and above the 200-day MA of 91.52, indicating a neutral trend. The MACD of 0.05 indicates Positive momentum. The RSI at 51.79 is Neutral, neither overbought nor oversold. The STOCH value of 72.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for QCRH.
QCR Holdings Risk Analysis
QCR Holdings disclosed 43 risk factors in its most recent earnings report. QCR Holdings reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
QCR Holdings Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | $1.68B | 14.96 | 11.44% | 1.95% | -2.69% | 2.86% | |
78 Outperform | $1.71B | 11.53 | 11.75% | 1.25% | 2.81% | 23.43% | |
73 Outperform | $1.77B | 13.95 | 5.61% | 4.01% | 7.35% | 178.63% | |
73 Outperform | $1.78B | 14.57 | 8.67% | 2.47% | 14.80% | 226.31% | |
72 Outperform | $1.66B | 11.99 | 12.70% | 0.31% | 6.17% | 27.24% | |
72 Outperform | $1.59B | 9.35 | 10.11% | 2.37% | 44.64% | 252.66% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
QCRH
QCR Holdings
102.57
26.08
34.10%
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13.94
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Dime Community Bancshares
40.71
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RBCAA
Republic Bancorp
96.27
22.30
30.14%
CNOB
ConnectOne Bancorp
31.80
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30.10%
BY
Byline Bancorp
38.67
10.05
35.13%
QCR Holdings Corporate Events
DividendsFinancial Disclosures
QCR Holdings Announces Significant Quarterly Dividend Increase
Positive
Aug 24, 2026
On August 20, 2026, QCR Holdings’ board declared a cash dividend of $0.15 per share on its common stock, payable October 5, 2026 to shareholders of record as of September 18, 2026, and formally announced the move in an August 24, 2026 press ...
Business Operations and StrategyFinancial Disclosures
QCR Holdings Updates Investor Presentation and Strategy Overview
Neutral
Jul 22, 2026
On July 22, 2026, QCR Holdings posted an updated investor presentation to its website, detailing its financial performance metrics and strategic positioning. The June 2026 materials highlight the firm’s reliance on non-GAAP measures reconcil...
Executive/Board ChangesDividendsShareholder Meetings
QCR Holdings Shareholders Reelect Directors, Affirm Governance Direction
Positive
May 26, 2026
At its annual meeting on May 21, 2026, QCR Holdings, Inc. shareholders re-elected four Class III directors—James M. Field, John F. Griesemer, Elizabeth S. Jacobs and Marie Z. Ziegler—to new three-year terms, with 87.52% of outstanding ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.