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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
09/18/2025: 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 53.82% | Avg. Invested days 60 | 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 09/18/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.34B USD | Price to earnings Ratio 11.95 | 1Y Target Price 89.3 |
Price to earnings Ratio 11.95 | 1Y Target Price 89.3 | ||
Volume (30-day avg) 5 | Beta 0.87 | 52 Weeks Range 60.73 - 95.77 | Updated Date 09/18/2025 |
52 Weeks Range 60.73 - 95.77 | Updated Date 09/18/2025 | ||
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 11.95 | Forward PE 12.2 | Enterprise Value 1518594048 | Price to Sales(TTM) 4.15 |
Enterprise Value 1518594048 | Price to Sales(TTM) 4.15 | ||
Enterprise Value to Revenue 5.53 | Enterprise Value to EBITDA - | Shares Outstanding 16892129 | Shares Floating 16303085 |
Shares Outstanding 16892129 | Shares Floating 16303085 | ||
Percent Insiders 3.55 | Percent Institutions 77.52 |
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 a combination of organic growth and acquisitions, expanding its footprint in the Midwest. The company's evolution has been focused on providing comprehensive financial solutions to businesses and individuals.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking services, including lending, deposit accounts, cash management, and treasury services.
- Wealth Management: Provides wealth management services to individuals and families, including financial planning, investment management, and trust services.
- Mortgage Banking: Offers mortgage banking services, including loan origination, servicing, and sales.
- Agribusiness: Banking services focused on agriculture businesses
Leadership and Structure
QCR Holdings is led by a board of directors and an executive management team. The organizational structure includes distinct business units, each with its own leadership team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a core offering, providing capital for businesses to expand and operate. Market share data is not publicly available. Competitors include regional and national banks such as US Bancorp (USB) and BOK Financial (BOKF).
- Wealth Management Services: Wealth management services cater to high-net-worth individuals and families. Market share data is fragmented. Competitors include larger wealth management firms and investment advisors such as Charles Schwab (SCHW) and Fidelity.
- Mortgage Origination: QCR offers mortgage products to consumers. Specific revenue or market share data for this product is not publicly available. Key competitors are Rocket Mortgage (RKT) and PennyMac (PFSI).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate fluctuations, regulatory changes, and increased competition from fintech companies. Wealth management is affected by market volatility and demographic shifts.
Positioning
QCR Holdings is a regional bank focusing on commercial banking and wealth management. Its competitive advantage lies in its local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking and wealth management in the Midwest is estimated to be in the hundreds of billions of dollars. QCR Holdings is positioned to capture a portion of this market through its regional focus and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Experienced management team
- High-quality customer service
- Well-capitalized
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Susceptibility to regional economic conditions
- Higher expense ratios than larger competitors
Opportunities
- Expansion into new markets
- Acquisitions of smaller banks or wealth management firms
- Increased demand for wealth management services
- Adoption of new technologies to improve efficiency
Threats
- Increased competition from national banks and fintech companies
- Economic downturns
- Regulatory changes
- Rising interest rates
- Credit Risk
Competitors and Market Share
Key Competitors
- BOKF
- UMB
- CMA
- HBAN
Competitive Landscape
QCR Holdings competes with larger regional and national banks. Its strengths include its local market expertise and customer relationships. Its weaknesses include its smaller scale and limited geographic reach.
Major Acquisitions
Community First Bancshares
- Year: 2022
- Acquisition Price (USD millions): 127
- Strategic Rationale: Expanded QCR Holdings' presence in Eastern Iowa, enhanced market share, and broadened customer base.
Growth Trajectory and Initiatives
Historical Growth: QCR Holdings has grown steadily through acquisitions and organic expansion.
Future Projections: Analyst projections would need to be sourced from financial research reports.
Recent Initiatives: Requires access to recent company announcements and investor presentations.
Summary
QCR Holdings is a regional bank with a solid presence in the Midwest, demonstrating stable growth through acquisitions and diverse service offerings. While its smaller scale and regional concentration pose some limitations, the company's customer focus and strategic expansions create future growth opportunities. The company must navigate competition from larger banks and fintech firms, as well as potential economic downturns. QCR Holdings is in a good position but needs to continue executing well to maintain its growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
Disclaimers:
This analysis is based on publicly available information and should not be considered financial 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 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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