QCR Holdings (QCRH) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

QCR Holdings

NasdaqGM•Financial Services•Banks - Regional

$102.69-0.14(<0.01%)Market closed

Market Cap

$1.66B

P/E

11.7x

P/S

2.7x

P/B

1.4x

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. In addition, the company offers 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, as well as issuance of trust preferred securities. QCR Holdings, Inc. was incorporated in 1993 and is headquartered in Moline, Illinois.

How this company scores

WeakMetricSide Score: 79/100

Grade capped at D — Interest coverage below 1× (0.7x) — earnings cannot cover interest. Strongest: Profitability (23/25); weakest: Balance Sheet & Red Flags (13/25).

Profitability23/25

Growth20/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Grade capped at D

Interest coverage below 1× (0.7x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.7x5y range 6.1x – 12.0x

Currently above its 20-quarter median.

P/S · 2.7x5y range 1.5x – 3.0x

Currently near its 20-quarter median.

P/B · 1.4x5y range 0.9x – 1.4x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Cash Burn

Watch

FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.

Price & Volume

Market Cap $1.66B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $621.32M
Q. Revenue: $150.45M
TTM EBITDA: $166.62M
TTM Op. Income: $154.51M
Q. Op. Income: $39.48M
TTM Net Income: $142.01M
Q. Net Income: $36.25M
EPS: $2.2
Shares Out.: $16.49M

$621.32M in TTM revenue grew 7.0% YoY, reaching $150.45M last quarter. TTM EBITDA of $166.62M and TTM operating income of $154.51M show growth is flowing through to the bottom line. TTM net income of $142.01M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 4 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 64.7%
EBITDA Margin: 26.6%
Op. Margin: 26.2%
Net Margin: 24.1%

Op. margin of 26.2% is up 4.8% YoY — cost efficiency is improving. Net margin at 24.1% and gross margin of 64.7% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.7x
P/S Ratio: 2.7x
P/B Ratio: 1.4x

At 11.7x P/E, the stock trades below typical market levels. P/S of 2.7x and P/B of 1.4x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 15% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $9.52B
Cash: $111.34M
Long-Term Debt: $551.98M
Book Value: $1.15B
D/E Ratio: 0.5
Debt/EBITDA: 13.8

With $9.52B in assets and $551.98M in long-term debt, D/E is 0.5and book value is $1.15B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 1% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $471.49M
TTM Free Cash Flow: $792.76M
FCF Margin: 127.6%
FCF / Net Income: 5.6

TTM FCF of $792.76M on $471.49M in operating cash flow. The FCF / Net Income ratio of 5.6x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.