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QCRH 
QCR Holdings Inc (QCRH)
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Upturn Advisory Summary
11/05/2025: QCRH (1-star) is currently NOT-A-BUY. Pass it for now.
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 39.86% | Avg. Invested days 63 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.30B USD | Price to earnings Ratio 11.62 | 1Y Target Price 90 |
Price to earnings Ratio 11.62 | 1Y Target Price 90 | ||
Volume (30-day avg) 5 | Beta 0.86 | 52 Weeks Range 60.73 - 95.77 | Updated Date 11/5/2025 |
52 Weeks Range 60.73 - 95.77 | Updated Date 11/5/2025 | ||
Dividends yield (FY) 0.32% | Basic EPS (TTM) 6.63 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 1.75 | Actual 2.17 |
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 11.62 | Forward PE 12.2 | Enterprise Value 1759894016 | Price to Sales(TTM) 3.87 |
Enterprise Value 1759894016 | Price to Sales(TTM) 3.87 | ||
Enterprise Value to Revenue 5.39 | Enterprise Value to EBITDA - | Shares Outstanding 16892129 | Shares Floating 16199999 |
Shares Outstanding 16892129 | Shares Floating 16199999 | ||
Percent Insiders 3.56 | Percent Institutions 78.35 |
Upturn AI SWOT
QCR Holdings Inc
Company Overview
History and Background
QCR Holdings, Inc. was founded in 1993. It is a multi-bank holding company operating in the Midwest, providing commercial and consumer banking services, wealth management, and insurance services. QCR has grown through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides lending, deposit, and cash management services to businesses.
- Retail Banking: Offers deposit accounts, loans, and other financial services to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services.
- Insurance Services: Offers a variety of insurance products.
Leadership and Structure
Larry J. Helling serves as Chief Executive Officer. The company is structured as a multi-bank holding company with several subsidiary banks operating under the QCR Holdings umbrella.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is difficult to pinpoint precisely as it varies by region and loan type. Competitors include regional banks like First Midwest Bancorp and larger national banks.
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Market share is competitive and depends on local markets. Competitors include Chase, BMO Harris, US Bank, and local credit unions. Revenue data specifically attributable to this product is not publicly disclosed in isolation.
- Wealth Management Services: Investment advice, portfolio management, trust administration, and retirement planning services. Market share is locally competitive. Competitors include Baird, Raymond James, Morgan Stanley, and other large firms. Revenue is derived from fees on assets under management and commissions.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, evolving regulatory landscape, increasing competition from Fintech companies, and heightened focus on digital transformation and cybersecurity.
Positioning
QCR Holdings is a regional bank focusing on community relationships and providing a range of financial services. Its competitive advantages lie in its local market knowledge, personalized service, and ability to offer a full suite of financial products.
Total Addressable Market (TAM)
The TAM for banking services in the Midwest is substantial, estimated to be in the tens of billions of dollars. QCR Holdings aims to capture a larger share of this market by expanding its presence in existing markets and entering new markets through strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Experienced management team
- Solid capital base
- Commitment to community banking
Weaknesses
- Limited geographic footprint
- Smaller scale compared to national banks
- Dependence on regional economic conditions
- Higher efficiency ratios than larger competitors
Opportunities
- Acquisitions of smaller banks
- Expansion into new markets
- Growth in wealth management services
- Increased digital banking adoption
- Rising interest rate environment
Threats
- Increased competition from larger banks
- Economic downturns
- Regulatory changes
- Cybersecurity risks
- Rising interest rates impacting loan demand
Competitors and Market Share
Key Competitors
- CFBK
- MBWM
- EWBC
Competitive Landscape
QCR Holdings is positioned as a strong regional player with a focus on community banking and wealth management. It competes with larger national banks and other regional banks.
Major Acquisitions
Community First Bancshares, Inc.
- Year: 2020
- Acquisition Price (USD millions): 45.7
- Strategic Rationale: Expanded market presence in Eastern Iowa.
Growth Trajectory and Initiatives
Historical Growth: Historical growth needs to be calculated based on past revenue, asset, and earnings growth rates, which can be found in financial reports.
Future Projections: Future projections would be based on analyst estimates of revenue growth, earnings growth, and profitability. This information can be found from analyst reports such as Zacks, Morningstar, etc.
Recent Initiatives: QCR Holdings' recent strategic initiatives may include acquisitions, branch openings, technology investments, and new product launches. Examples include acquiring other banks and investing in digital banking solutions.
Summary
QCR Holdings is a solid regional bank with diversified revenue streams and a commitment to community banking. Its strengths include a strong presence in the Midwest, an experienced management team, and a healthy capital base. However, it faces challenges from larger competitors, economic uncertainties, and rising rates.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website (Investor Relations)
- Analyst Reports
- FDIC Data
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise. Future projections are subject to change and are not guaranteed.
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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