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QCRH
Upturn stock ratingUpturn stock rating

QCR Holdings Inc (QCRH)

Upturn stock ratingUpturn stock rating
$64.61
Last Close (24-hour delay)
Profit since last BUY-8.65%
upturn advisory
WEAK BUY
BUY since 22 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

06/20/2025: QCRH (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

5 Analysts rated it

Moderately tracked stock, growing coverage, gaining market and investor attention.

1 Year Target Price $84.8

1 Year Target Price $84.8

Analysts Price Target For last 52 week
$84.8Target price
Low$57.24
Current$64.61
high$95.85

Analysis of Past Performance

Type Stock
Historic Profit 25.29%
Avg. Invested days 50
Today’s Advisory WEAK BUY
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/20/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 1.15B USD
Price to earnings Ratio 10.2
1Y Target Price 84.8
Price to earnings Ratio 10.2
1Y Target Price 84.8
Volume (30-day avg) 5
Beta 0.82
52 Weeks Range 57.24 - 95.85
Updated Date 06/30/2025
52 Weeks Range 57.24 - 95.85
Updated Date 06/30/2025
Dividends yield (FY) 0.35%
Basic EPS (TTM) 6.66

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 10.2
Forward PE 12.2
Enterprise Value 1198337280
Price to Sales(TTM) 3.55
Enterprise Value 1198337280
Price to Sales(TTM) 3.55
Enterprise Value to Revenue 4.75
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 3
Target Price 84.8
Buy 3
Strong Buy 2
Buy 3
Strong Buy 2
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

QCR Holdings Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 972

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.