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QCR Holdings, Inc. QCRH

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Price alert · QCRH

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103.99 USD +0.64 (+0.62%)

Regular-session close

103.99 0.00 0.00%

After hours · Nov 13, 4:01 PM ET

102.38 Day range 104.10
75.59 52-week range 106.59
YTD
+24.84%
1 year
+33.97%

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Discounted cash flow estimates against the price, and the P/E against its industry and sector.

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Included in Essentials and up

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Employees by annual report and the cash the business earns for its owners.

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Financial health

Altman Z-Score

-0.33 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

A-4 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 2
  • P/E 3
  • P/B 2

Valuation

P/E 11.0×
FY 2016: 19.7×FY 2017: 16.0×FY 2018: 11.0×FY 2019: 12.0×FY 2020: 10.3×FY 2021: 8.9×FY 2022: 8.4×FY 2023: 8.6×FY 2024: 11.9×FY 2025: 11.0×
FY 2016 5y median 8.9× FY 2025
P/S 2.3×
FY 2016: 4.1×FY 2017: 3.5×FY 2018: 2.2×FY 2019: 2.5×FY 2020: 2.0×FY 2021: 3.0×FY 2022: 2.3×FY 2023: 1.8×FY 2024: 2.3×FY 2025: 2.3×
FY 2016 5y median 2.3× FY 2025
P/B 1.3×
FY 2016: 1.9×FY 2017: 1.6×FY 2018: 1.0×FY 2019: 1.3×FY 2020: 1.0×FY 2021: 1.3×FY 2022: 1.1×FY 2023: 1.1×FY 2024: 1.4×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
P/FCF 3.9×
FY 2016: 14.6×FY 2017: 20.4×FY 2018: 9.0×FY 2019: 10.8×FY 2020: 5.7×FY 2021: 11.8×FY 2022: 9.7×FY 2023: 2.7×FY 2024: 3.4×FY 2025: 3.9×
FY 2016 5y median 3.9× FY 2025
EV/EBITDA 13.1×
FY 2016: 19.4×FY 2017: 16.4×FY 2018: 11.3×FY 2019: 9.4×FY 2020: 8.0×FY 2021: 7.3×FY 2022: 12.3×FY 2023: 10.8×FY 2024: 12.6×FY 2025: 13.1×
FY 2016 5y median 12.3× FY 2025
EV/Sales 3.2×
FY 2016: 5.8×FY 2017: 4.6×FY 2018: 3.0×FY 2019: 2.7×FY 2020: 2.1×FY 2021: 3.2×FY 2022: 4.2×FY 2023: 2.8×FY 2024: 2.9×FY 2025: 3.2×
FY 2016 5y median 3.2× FY 2025
FCF Yield 25.4%
FY 2016: 6.9%FY 2017: 4.9%FY 2018: 11.1%FY 2019: 9.3%FY 2020: 17.5%FY 2021: 8.4%FY 2022: 10.3%FY 2023: 37.0%FY 2024: 29.5%FY 2025: 25.4%
FY 2016 5y median 25.4% FY 2025

Profitability

Gross Margin 57.7%
FY 2016: 85.5%FY 2017: 82.8%FY 2018: 75.9%FY 2019: 75.7%FY 2020: 71.6%FY 2021: 91.4%FY 2022: 80.9%FY 2023: 61.0%FY 2024: 54.5%FY 2025: 57.7%
FY 2016 5y median 61.0% FY 2025
Operating Margin 22.8%
FY 2016: 27.2%FY 2017: 25.1%FY 2018: 23.7%FY 2019: 25.9%FY 2020: 23.9%FY 2021: 41.3%FY 2022: 31.1%FY 2023: 23.7%FY 2024: 20.9%FY 2025: 22.8%
FY 2016 5y median 23.7% FY 2025
Net Margin 21.3%
FY 2016: 20.6%FY 2017: 22.0%FY 2018: 19.6%FY 2019: 20.6%FY 2020: 19.8%FY 2021: 33.7%FY 2022: 27.1%FY 2023: 21.2%FY 2024: 19.4%FY 2025: 21.3%
FY 2016 5y median 21.3% FY 2025
ROE 11.4%
FY 2016: 9.7%FY 2017: 10.1%FY 2018: 9.1%FY 2019: 10.7%FY 2020: 10.2%FY 2021: 14.6%FY 2022: 12.8%FY 2023: 12.8%FY 2024: 11.4%FY 2025: 11.4%
FY 2016 5y median 12.8% FY 2025
ROIC 57.0%
FY 2016: 4.4%FY 2017: 5.0%FY 2018: 4.4%FY 2019: 5.8%FY 2020: 5.5%FY 2021: 8.4%FY 2022: 5.0%FY 2023: 5.6%FY 2024: 5.8%FY 2025: 57.0%
FY 2016 5y median 5.8% FY 2025
ROA 1.3%
FY 2016: 0.8%FY 2017: 0.9%FY 2018: 0.9%FY 2019: 1.2%FY 2020: 1.1%FY 2021: 1.6%FY 2022: 1.2%FY 2023: 1.3%FY 2024: 1.3%FY 2025: 1.3%
FY 2016 5y median 1.3% FY 2025

Growth (YoY)

Revenue 1.5%
FY 2016: 20.8%FY 2017: 20.7%FY 2018: 35.7%FY 2019: 26.5%FY 2020: 10.0%FY 2021: -4.2%FY 2022: 24.5%FY 2023: 46.5%FY 2024: 9.7%FY 2025: 1.5%
FY 2016 FY 2025
Operating Income 10.9%
FY 2016: 77.6%FY 2017: 11.1%FY 2018: 28.2%FY 2019: 38.2%FY 2020: 1.8%FY 2021: 65.7%FY 2022: -6.5%FY 2023: 11.7%FY 2024: -3.4%FY 2025: 10.9%
FY 2016 FY 2025
EPS (diluted) 12.1%
FY 2016: 34.8%FY 2017: 20.3%FY 2018: 9.6%FY 2019: 25.9%FY 2020: 5.6%FY 2021: 63.2%FY 2022: -5.3%FY 2023: 14.7%FY 2024: -0.3%FY 2025: 12.1%
FY 2016 FY 2025
Free Cash Flow -11.5%
FY 2016: 45.3%FY 2017: -25.2%FY 2018: 88.9%FY 2019: 21.3%FY 2020: 68.4%FY 2021: -31.2%FY 2022: 15.1%FY 2023: 323.0%FY 2024: 10.7%FY 2025: -11.5%
FY 2016 FY 2025

Financial Health

Current Ratio 28.9×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 28.9×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 28.9×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 28.9×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.6×
FY 2016: 1.3×FY 2017: 0.9×FY 2018: 0.9×FY 2019: 0.5×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 1.1×FY 2023: 0.8×FY 2024: 0.6×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
Net Debt / EBITDA 3.7×
FY 2016: 6.0×FY 2017: 3.9×FY 2018: 3.2×FY 2019: 0.7×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 5.6×FY 2023: 3.7×FY 2024: 2.5×FY 2025: 3.7×
FY 2016 5y median 3.7× FY 2025
Interest Coverage 0.6×
FY 2016: 3.1×FY 2017: 2.1×FY 2018: 1.3×FY 2019: 1.2×FY 2020: 2.3×FY 2021: 5.5×FY 2022: 1.8×FY 2023: 0.7×FY 2024: 0.5×FY 2025: 0.6×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 0.3%
FY 2016: 0.4%FY 2017: 0.4%FY 2018: 0.7%FY 2019: 0.5%FY 2020: 0.6%FY 2021: 0.4%FY 2022: 0.5%FY 2023: 0.4%FY 2024: 0.3%FY 2025: 0.3%
FY 2016 5y median 0.4% FY 2025
Payout Ratio 3.2%
FY 2016: 7.2%FY 2017: 7.0%FY 2018: 7.7%FY 2019: 6.6%FY 2020: 6.2%FY 2021: 3.8%FY 2022: 4.0%FY 2023: 3.5%FY 2024: 3.5%FY 2025: 3.2%
FY 2016 5y median 3.5% FY 2025

Annual · latest fiscal year ends 2025-12-31