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Upturn AI SWOT - About
QCRH 
QCR Holdings Inc (QCRH)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/28/2025: QCRH (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $89.3
1 Year Target Price $89.3
| 2 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 52.34% | Avg. Invested days 58 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.33B USD | Price to earnings Ratio 11.82 | 1Y Target Price 89.3 |
Price to earnings Ratio 11.82 | 1Y Target Price 89.3 | ||
Volume (30-day avg) 5 | Beta 0.84 | 52 Weeks Range 60.77 - 95.85 | Updated Date 08/29/2025 |
52 Weeks Range 60.77 - 95.85 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 0.31% | Basic EPS (TTM) 6.63 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 34.94% | Operating Margin (TTM) 41.47% |
Management Effectiveness
Return on Assets (TTM) 1.25% | Return on Equity (TTM) 11.36% |
Valuation
Trailing PE 11.82 | Forward PE 12.2 | Enterprise Value 1531385216 | Price to Sales(TTM) 4.11 |
Enterprise Value 1531385216 | Price to Sales(TTM) 4.11 | ||
Enterprise Value to Revenue 5.58 | Enterprise Value to EBITDA - | Shares Outstanding 16942000 | Shares Floating 16302747 |
Shares Outstanding 16942000 | Shares Floating 16302747 | ||
Percent Insiders 3.54 | Percent Institutions 77.04 |
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 operates as a multi-bank holding company, providing commercial and consumer banking services, wealth management, and other financial solutions.
Core Business Areas
- Commercial Banking: Offers commercial loans, deposit accounts, and treasury management services to businesses of various sizes.
- Retail Banking: Provides personal banking services including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
QCR Holdings has a board of directors overseeing the management team, which includes the CEO, CFO, and other key executives. The organization is structured with multiple subsidiary banks operating under the QCR Holdings umbrella.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses for working capital, expansion, and other purposes. Market share varies by region. Competitors include larger regional and national banks, as well as smaller community banks.
- Mortgages: Provides residential mortgages to individuals. Market share is subject to interest rate fluctuations and local housing market conditions. Competitors include national mortgage lenders and other local banks.
- Wealth Management Services: Provides investment advisory, trust, and retirement planning services. Competitors include large brokerage firms and independent registered investment advisors. Competitors are Edward Jones, Raymond James, and Merrill Lynch.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges due to interest rate volatility, regulatory changes, and increasing competition from fintech companies. Consolidation is also a significant trend.
Positioning
QCR Holdings is a regional bank focusing on serving small to medium-sized businesses and individuals. Its competitive advantage lies in its local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in QCR Holdings' geographic footprint is estimated to be in the billions of dollars. QCR Holdings aims to capture a larger share through strategic acquisitions and organic growth.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Diversified revenue streams
- Sound asset quality
Weaknesses
- Smaller scale compared to national banks
- Limited geographic reach
- Dependence on interest rate environment
- Higher costs relative to fintech companies
Opportunities
- Strategic acquisitions to expand market share
- Increased demand for wealth management services
- Adoption of new technologies to improve efficiency
- Expansion into new markets
Threats
- Increasing competition from fintech companies
- Economic downturn impacting loan demand
- Rising interest rates increasing funding costs
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- HBAN
- BOH
- FFWM
Competitive Landscape
QCR Holdings competes with larger regional and national banks, as well as smaller community banks. Its advantages include local market knowledge and personalized service, while its disadvantages include smaller scale and limited geographic reach.
Major Acquisitions
Community First Bancshares, Inc.
- Year: 2016
- Acquisition Price (USD millions): 37
- Strategic Rationale: Expanded presence in Eastern Iowa.
Growth Trajectory and Initiatives
Historical Growth: QCR Holdings has experienced moderate growth over the past few years, driven by organic growth and strategic acquisitions.
Future Projections: Analysts project continued growth for QCR Holdings, with revenue and earnings expected to increase in the coming years. This growth is based on favorable economic conditions in its markets and ongoing strategic initiatives.
Recent Initiatives: Recent initiatives include expanding into new markets, investing in technology, and enhancing wealth management services.
Summary
QCR Holdings is a regional bank that operates in the commercial and consumer banking areas. It faces a landscape of increasing rate volatility, but has maintained healthy financials. QCRH's local market knowledge has allowed it to be successful, however it faces threats from increasing competition from fintech companies and has limited geographic reach, so they will need to continue to expand.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10K, 10Q)
- Analyst Reports
- Press Releases
- Investor Presentations
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. The data provided is based on publicly available information and may not be completely accurate. Past performance is not indicative of future results.
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 980 | Website https://www.qcrh.com |
Full time employees 980 | 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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