8-K Announcements
6Material company update
May 26, 2026·SEC
Material company update
Apr 22, 2026·SEC
Material company update
Apr 22, 2026·SEC
QCR Holdings, Inc.(QCRH)Earnings, Financials & Key Ratios
QCRH•NASDAQ•Banking & Credit
$95.90
12.8× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutQCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. Its deposit products include noninterest-bearing demand, interest-bearing demand, time, and brokered deposits. The company also provides various commercial and retail lending/leasing, and investment services to corporations, partnerships, individuals, and government agencies. Its 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 home improvement, home equity, motor vehicle, and signature loans, as well as small personal credit lines. In addition, the company engages in leasing of machinery and equipment to commercial and industrial businesses under direct financing lease contracts; and issuance of trust preferred securities. It serves the Quad Cities, Cedar Rapids, Cedar Valley, Des Moines/Ankeny, and Springfield communities. The company was founded in 1993 and is headquartered in Moline, Illinois.Show more
- Net Interest Income$255M+10.1%
- Total Revenue$597M+1.5%
- Net Income$127M+11.7%
- Return on Equity12.06%-0.2%
- Net Interest Margin2.67%+3.8%
- Efficiency Ratio34.95%+3.7%
- ROA1.37%+5.5%
- Equity / Assets11.62%+5.1%
- Book Value per Share66.38+12.9%
QCRH Price & Volume
QCR Holdings, Inc. (QCRH) stock price & volume — 10-year historical chart
Loading chart...
Commercial Lending Growth Offsets Margin Stagnation Risks
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Non-interest income volatility
Key Thesis Takeaways
- QCR Holdings demonstrates resilient growth in net interest income, which expanded 12.4% year-over-year in 2026Q1, driven by its specialized commercial and industrial loan portfolio.
- However, the bank faces structural headwinds as the net interest margin remains compressed at 0.7% and non-interest income exhibits significant volatility, dropping from $45.6M in 2023Q4 to $22.9M in 2026Q1.
- Investors should monitor the bank's lean capital position, evidenced by an equity-to-assets ratio of 0.12, as management balances aggressive share repurchases of $20.8M against the need for sustained credit loss provisioning.
Verdict Logic
while the bank shows a solid PEG ratio of 0.89, the persistent 0.7% net interest margin and volatile fee income suggest limited near-term upside potential.
QCRH Growth Metrics
QCR Holdings, Inc. (QCRH) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years18.29%
5 Years14.25%
3 Years17.74%
TTM-
Profit CAGR
10 Years22.34%
5 Years15.99%
3 Years8.69%
TTM19.36%
EPS CAGR
10 Years16.66%
5 Years14.63%
3 Years8.61%
TTM20.3%
Return on Capital
10 Years6.92%
5 Years6.67%
3 Years5.03%
Last Year2.36%
QCRH Recent Earnings
QCR Holdings, Inc. (QCRH) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$1.99+11.8%
$1.78
Rev
$90M-13.1%
$104M
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$2.21+12.8%
$1.96
Rev
$107M+0.1%
$107M
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$2.17+25.4%
$1.73
Rev
$99M-5.2%
$105M
Q3 2025
Jul 23, 2025Metric
Actual
Est
EPS
$1.73+6.1%
$1.63
Rev
$82M-17.4%
$99M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $1.99vs $1.78+11.8% | $90Mvs $104M-13.1% |
| Q1 2026 | Jan 27, 2026 | $2.21vs $1.96+12.8% | $107Mvs $107M+0.1% |
| Q4 2025 | Oct 22, 2025 | $2.17vs $1.73+25.4% | $99Mvs $105M-5.2% |
| Q3 2025 | Jul 23, 2025 | $1.73vs $1.63+6.1% | $82Mvs $99M-17.4% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for QCR Holdings, Inc. (QCRH)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $95.90 | $1.58B | 12.75 | 1.53% | 21.31% | 12.06% | 0.25% | |
| $57.41 | $991.72M | 10.51 | 2.74% | 24.23% | 13.36% | — | |
| $63.34 | $528.43M | 10.45 | 6.43% | 18.74% | 14.12% | — | |
| $47.66 | $1.79B | 15.58 | 54.54% | 27.09% | 11.95% | — | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $114.32 | $3.84B | 16.06 | -9.29% | 29.66% | 13.62% | — |
Compare QCRH vs Peers
QCR Holdings, Inc. (QCRH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
QCRH SEC Filings & Documents
QCR Holdings, Inc. (QCRH) SEC filings — annual & quarterly reports (10-K, 10-Q)
Get notified when QCRH posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
QCRH Frequently Asked Questions
QCR Holdings, Inc. (QCRH) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is QCR Holdings, Inc. growing?
QCR Holdings, Inc. (QCRH) grew revenue by 1.5% over the past year. Growth has been modest.
Is QCRH profitable?
Yes, QCR Holdings, Inc. (QCRH) is profitable, generating $134.8M in net income for fiscal year 2025 (21.3% net margin).
Dividend & Returns
Does QCRH pay dividends?
Yes, QCR Holdings, Inc. (QCRH) pays a dividend with a yield of 0.25%. This makes it attractive for income-focused investors.
What is QCRH's return on equity?
QCR Holdings, Inc. (QCRH) has a return on equity (ROE) of 12.1%. This is reasonable for most industries.
Industry Metrics
What is QCR Holdings, Inc.'s net interest margin?
QCR Holdings, Inc. (QCRH) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.
What is QCR Holdings, Inc.'s efficiency ratio?
QCR Holdings, Inc. (QCRH) has an efficiency ratio of 34.9%. This is excellent, indicating strong cost control.