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Upturn AI SWOT - About
QCR Holdings Inc (QCRH)
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Upturn Advisory Summary
07/02/2025: QCRH (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $84.8
1 Year Target Price $84.8
| 2 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 38.86% | Avg. Invested days 51 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.21B USD | Price to earnings Ratio 10.77 | 1Y Target Price 84.8 |
Price to earnings Ratio 10.77 | 1Y Target Price 84.8 | ||
Volume (30-day avg) 5 | Beta 0.82 | 52 Weeks Range 57.24 - 95.85 | Updated Date 07/2/2025 |
52 Weeks Range 57.24 - 95.85 | Updated Date 07/2/2025 | ||
Dividends yield (FY) 0.35% | Basic EPS (TTM) 6.65 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 34.82% | Operating Margin (TTM) 39.55% |
Management Effectiveness
Return on Assets (TTM) 1.27% | Return on Equity (TTM) 11.7% |
Valuation
Trailing PE 10.77 | Forward PE 12.2 | Enterprise Value 1198337280 | Price to Sales(TTM) 3.74 |
Enterprise Value 1198337280 | Price to Sales(TTM) 3.74 | ||
Enterprise Value to Revenue 4.87 | Enterprise Value to EBITDA - | Shares Outstanding 16931400 | Shares Floating 16293442 |
Shares Outstanding 16931400 | Shares Floating 16293442 | ||
Percent Insiders 3.54 | Percent Institutions 75.97 |
Analyst Ratings
Rating 2 | Target Price 84.8 | Buy 3 | Strong Buy 2 |
Buy 3 | Strong Buy 2 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
QCR Holdings Inc
Company Overview
History and Background
QCR Holdings, Inc. was founded in 1993 and is headquartered in Moline, Illinois. It has grown through strategic acquisitions and organic expansion to become a multi-bank holding company providing commercial and consumer banking services, wealth management, and insurance services.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking products and services, including commercial real estate loans, equipment financing, and working capital loans.
- Retail Banking: Provides deposit accounts, consumer loans, residential mortgages, and other retail banking services.
- Wealth Management: Offers investment management, financial planning, trust administration, and retirement planning services.
- Insurance: Provides a range of insurance products and services through its insurance subsidiaries.
Leadership and Structure
QCR Holdings is led by a board of directors and an executive management team. The organizational structure consists of several subsidiary banks operating under the QCR Holdings umbrella.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is not publicly available at a granular level. Competitors include regional and national banks like U.S. Bancorp and BOK Financial.
- Small Business Loans: Offers loans to small businesses for various purposes. Market share data is not publicly available at a granular level. Competitors include community banks and online lenders like LendingClub.
- Wealth Management Services: Investment Management, Financial Planning, Trust services. Competitors include large brokerages and wealth management firms (e.g., Schwab, Fidelity).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
QCR Holdings is a regional bank holding company with a focus on serving small to medium-sized businesses and individuals. It differentiates itself through its local market knowledge and customer service.
Total Addressable Market (TAM)
The TAM for banking services is enormous, encompassing all commercial and consumer financial needs. QCR Holdings is positioned to capture a portion of this TAM within its regional footprint.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Diversified revenue streams
- Solid asset quality
Weaknesses
- Limited geographic presence
- Smaller scale compared to national banks
- Dependence on local economy
- Higher operating costs
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Acquisitions of smaller banks
- Growing demand for wealth management services
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- U.S. Bancorp (USB)
- BOK Financial Corporation (BOKF)
- First Midwest Bancorp (FMBI)
Competitive Landscape
QCR Holdings faces competition from larger national banks and smaller community banks. Its advantages include its local market knowledge and customer service.
Major Acquisitions
Cedar Rapids Bank & Trust
- Year: 2009
- Acquisition Price (USD millions): 86.5
- Strategic Rationale: Expanded QCR Holdings' presence in Eastern Iowa, a market which was not fully covered.
Growth Trajectory and Initiatives
Historical Growth: QCR Holdings has experienced moderate growth in recent years, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings per share, driven by loan growth and wealth management fees.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets.
Summary
QCR Holdings is a stable regional bank showing moderate growth and strong financial health. Its strategic acquisitions and focus on local markets have contributed to its success. The company faces threats from larger institutions and economic uncertainty, but is postioned well to continue to grow and provide returns for its shareholders.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, SEC filings, Analyst reports, Investor presentations
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About QCR Holdings Inc
Exchange NASDAQ | Headquaters Moline, IL, United States | ||
IPO Launch date 1993-10-06 | President, CEO & Director Mr. Todd A. Gipple CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 972 | Website https://www.qcrh.com |
Full time employees 972 | Website https://www.qcrh.com | ||
QCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. The company's deposit products include noninterest-bearing demand, interest-bearing demand, time, and brokered deposits. It also provides various commercial and retail lending/leasing, and investment services to corporations, partnerships, individuals, and government agencies. The company's 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 motor vehicle, home improvement, home equity, signature loans, and small personal credit lines. In addition, it engages in lending and leasing of machinery and equipment to commercial and industrial businesses under direct financing lease contracts and equipment financing agreements; and issuance of trust preferred securities. QCR Holdings, Inc. was incorporated in 1993 and is headquartered in Moline, Illinois.
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