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QCRH 
QCR Holdings Inc (QCRH)
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Upturn Advisory Summary
12/10/2025: 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 $90
1 Year Target Price $90
| 2 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 55.26% | Avg. Invested days 56 | 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 12/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.46B USD | Price to earnings Ratio 12.13 | 1Y Target Price 90 |
Price to earnings Ratio 12.13 | 1Y Target Price 90 | ||
Volume (30-day avg) 5 | Beta 0.85 | 52 Weeks Range 60.73 - 89.86 | Updated Date 12/10/2025 |
52 Weeks Range 60.73 - 89.86 | Updated Date 12/10/2025 | ||
Dividends yield (FY) 0.28% | Basic EPS (TTM) 7.15 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 36.17% | Operating Margin (TTM) 44.53% |
Management Effectiveness
Return on Assets (TTM) 1.3% | Return on Equity (TTM) 11.8% |
Valuation
Trailing PE 12.13 | Forward PE 12.2 | Enterprise Value 1871560448 | Price to Sales(TTM) 4.34 |
Enterprise Value 1871560448 | Price to Sales(TTM) 4.34 | ||
Enterprise Value to Revenue 5.83 | Enterprise Value to EBITDA - | Shares Outstanding 16838653 | Shares Floating 16194238 |
Shares Outstanding 16838653 | Shares Floating 16194238 | ||
Percent Insiders 3.56 | Percent Institutions 79.48 |
Upturn AI SWOT
QCR Holdings Inc
Company Overview
History and Background
QCR Holdings Inc. was founded in 1991 and is a bank holding company headquartered in Moline, Illinois. It has grown through a series of acquisitions and organic expansion, establishing itself as a prominent regional financial institution in the Midwest. The company operates under several well-known community bank brands.
Core Business Areas
- Community Banking: Provides a full range of commercial and consumer banking services, including checking and savings accounts, commercial and agricultural loans, residential and consumer loans, and wealth management services.
- Commercial Real Estate Lending: Focuses on originating and servicing commercial real estate loans for businesses within its operating markets.
- Wealth Management: Offers investment advisory, trust services, and estate planning services to individuals and businesses.
Leadership and Structure
QCR Holdings Inc. is led by a Board of Directors and executive management team responsible for overseeing the company's strategic direction and operations. The company operates through its subsidiary banks, each with its own local leadership.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers a variety of commercial lending products to small and medium-sized businesses, including working capital loans, equipment financing, and lines of credit. Competitors include large national banks, other regional banks, and credit unions.
- Residential Mortgages: Provides a range of mortgage products for primary residences, second homes, and investment properties. Competitors include national mortgage lenders, other banks, and credit unions.
- Deposit Accounts: Offers checking, savings, money market, and certificate of deposit accounts to individuals and businesses. This is a core offering with widespread competition from all financial institutions.
Market Dynamics
Industry Overview
The community banking sector in the US is highly competitive, characterized by a large number of regional and local institutions vying for market share. Key trends include increasing digital adoption, regulatory changes, rising interest rates, and consolidation within the industry.
Positioning
QCR Holdings Inc. positions itself as a community-focused bank, emphasizing personalized service and local decision-making. Its competitive advantages lie in its deep understanding of its local markets, strong customer relationships, and a diversified product offering. However, it faces intense competition from larger financial institutions with greater resources and broader geographic reach.
Total Addressable Market (TAM)
The TAM for community banking services is substantial, encompassing the entire US market for deposits, loans, and financial services. QCR Holdings Inc. operates within specific geographic regions in the Midwest, targeting a localized portion of this TAM. Its success is dependent on its ability to gain and maintain market share within its chosen markets.
Upturn SWOT Analysis
Strengths
- Strong local market presence and brand recognition in its operating regions.
- Deep understanding of the local economic landscape and customer needs.
- Relationship-based banking model fostering customer loyalty.
- Diversified revenue streams from lending, deposits, and wealth management.
- Experienced management team with local market expertise.
Weaknesses
- Limited geographic diversification compared to larger national banks.
- Potential challenges in competing with the technological infrastructure of larger institutions.
- Reliance on economic conditions within its specific operating regions.
- Smaller scale may limit negotiating power with vendors or access to capital markets.
Opportunities
- Expansion into adjacent geographic markets through organic growth or strategic acquisitions.
- Leveraging technology to enhance digital banking offerings and customer experience.
- Capitalizing on potential market gaps left by consolidating competitors.
- Growing wealth management services to capture a larger share of affluent clients.
- Increased demand for small business lending in a recovering economy.
Threats
- Intensifying competition from large national banks, fintech companies, and credit unions.
- Rising interest rate environment potentially impacting loan demand and net interest margins.
- Economic downturns or recessions affecting loan quality and profitability.
- Evolving regulatory landscape and compliance costs.
- Cybersecurity threats and data breaches.
Competitors and Market Share
Key Competitors
- BancFirst Corporation (BANF)
- First Interstate BancSystem, Inc. (FIBK)
- Associated Banc-Corp (ASB)
Competitive Landscape
QCR Holdings Inc. faces a competitive landscape dominated by larger regional and national banks, as well as a multitude of smaller community banks. Its advantage lies in its deep community ties and personalized service, which can be a differentiator against larger, more impersonal institutions. However, it must continuously invest in technology to remain competitive and manage costs effectively to compete on pricing.
Growth Trajectory and Initiatives
Historical Growth: QCR Holdings Inc. has historically pursued growth through a combination of strategic acquisitions of smaller community banks and organic expansion within its core markets. Its growth has been influenced by the economic conditions in the Midwest and its ability to integrate acquired entities.
Future Projections: Future growth is likely to be driven by continued focus on core banking services, potential market expansion, and enhancement of digital capabilities. Analyst projections, if available, would provide specific revenue and earnings growth estimates.
Recent Initiatives: Recent initiatives may include investments in technology to improve digital banking services, strategic partnerships, and ongoing efforts to optimize operational efficiency. Specific initiatives would require up-to-date company announcements.
Summary
QCR Holdings Inc. is a regional community bank with a solid foundation in the Midwest. Its strengths lie in its local market expertise and strong customer relationships, allowing it to compete effectively in its chosen markets. However, it faces significant challenges from larger financial institutions and the ever-evolving digital landscape. Continued investment in technology and strategic expansion will be crucial for sustained growth, while careful management of economic and regulatory risks remains paramount.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations (assumed)
- Financial Data Providers (assumed)
- Industry Analysis Reports (assumed)
Disclaimers:
This JSON output is based on general industry knowledge and assumptions about QCR Holdings Inc.'s business model. Specific financial data, market share figures, and competitor analysis require access to up-to-date financial reports, market research, and proprietary data. This output is for informational purposes only and should not be considered investment advice.
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 994 | Website https://www.qcrh.com |
Full time employees 994 | 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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