Latest Ratios: P/E Ratio 12.9x · EV/EBITDA 14.4x · ROE 12.1%. (1995–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.6B | $1.4B | $1.4B | $985M | $838M | $893M | $632M | $700M | $483M | $586M | $553M |
| Enterprise Value | $2.1B | $1.9B | $1.7B | $1.5B | $1.5B | $951M | $661M | $755M | $670M | $764M | $794M |
| P/E Ratio → | 12.85 | 11.08 | 12.02 | 8.68 | 8.46 | 9.03 | 10.42 | 12.18 | 11.22 | 16.42 | 19.95 |
| P/S Ratio | 2.67 | 2.34 | 2.33 | 1.84 | 2.29 | 3.04 | 2.06 | 2.51 | 2.20 | 3.61 | 4.11 |
| P/B Ratio | 1.46 | 1.25 | 1.37 | 1.11 | 1.09 | 1.32 | 1.06 | 1.31 | 1.02 | 1.66 | 1.93 |
| P/FCF | 4.51 | 3.94 | 3.42 | 2.73 | 9.81 | 12.03 | 5.85 | 10.93 | 9.15 | 20.97 | 14.80 |
| P/OCF | 3.79 | 3.31 | 3.08 | 2.62 | 7.06 | 10.12 | 5.63 | 9.16 | 7.52 | 17.39 | 12.74 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.25 | 2.89 | 2.80 | 4.20 | 3.24 | 2.16 | 2.71 | 3.04 | 4.71 | 5.91 |
| EV / EBITDA | 14.42 | 13.07 | 12.71 | 10.83 | 12.39 | 7.38 | 8.18 | 9.50 | 11.49 | 16.76 | 19.63 |
| EV / EBIT | 15.72 | 14.25 | 13.87 | 11.84 | 13.54 | 7.83 | 9.02 | 10.48 | 12.85 | 18.80 | 21.70 |
| EV / FCF | — | 5.47 | 4.25 | 4.15 | 17.99 | 12.81 | 6.12 | 11.79 | 12.68 | 27.34 | 21.26 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 57.7% | 57.7% | 54.5% | 61.0% | 80.9% | 91.4% | 71.6% | 75.7% | 75.9% | 82.8% | 85.5% |
| Operating Margin | 22.8% | 22.8% | 20.9% | 23.7% | 31.1% | 41.3% | 23.9% | 25.9% | 23.7% | 25.1% | 27.2% |
| Net Profit Margin | 21.3% | 21.3% | 19.4% | 21.2% | 27.1% | 33.7% | 19.8% | 20.6% | 19.6% | 22.0% | 20.6% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.1% | 12.1% | 12.1% | 13.7% | 13.7% | 15.6% | 10.7% | 11.4% | 10.4% | 11.2% | 10.8% |
| ROA | 1.4% | 1.4% | 1.3% | 1.4% | 1.4% | 1.7% | 1.1% | 1.2% | 1.0% | 1.0% | 0.9% |
| ROIC | 6.2% | 6.2% | 5.8% | 5.9% | 7.0% | 11.3% | 6.9% | 6.4% | 5.1% | 4.6% | 4.1% |
| ROCE | 2.4% | 2.4% | 6.1% | 6.6% | 7.6% | 10.7% | 7.0% | 7.6% | 6.7% | 6.9% | 7.6% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.56 | 0.56 | 0.57 | 0.81 | 1.07 | 0.25 | 0.30 | 0.52 | 0.86 | 0.88 | 1.31 |
| Debt / EBITDA | 4.17 | 4.17 | 4.24 | 5.18 | 6.66 | 1.33 | 2.19 | 3.51 | 6.95 | 6.79 | 9.29 |
| Net Debt / Equity | — | 0.49 | 0.33 | 0.58 | 0.90 | 0.09 | 0.05 | 0.10 | 0.39 | 0.50 | 0.84 |
| Net Debt / EBITDA | 3.65 | 3.65 | 2.49 | 3.72 | 5.63 | 0.45 | 0.36 | 0.69 | 3.20 | 3.90 | 5.97 |
| Debt / FCF | — | 1.53 | 0.83 | 1.42 | 8.18 | 0.78 | 0.27 | 0.86 | 3.53 | 6.37 | 6.46 |
| Interest Coverage | 0.58 | 0.58 | 0.49 | 0.66 | 1.85 | 5.54 | 2.33 | 1.19 | 1.29 | 2.09 | 3.06 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 28.87 | 28.87 | 0.08 | 0.08 | 0.08 | 0.10 | 0.12 | 0.13 | 0.15 | 0.16 | 0.20 |
| Quick Ratio | 28.87 | 28.87 | 0.08 | 0.08 | 0.08 | 0.10 | 0.12 | 0.13 | 0.15 | 0.16 | 0.20 |
| Cash Ratio | 28.87 | 28.87 | 0.03 | 0.03 | 0.02 | 0.02 | 0.03 | 0.06 | 0.05 | 0.04 | 0.05 |
| Asset Turnover | — | 0.06 | 0.07 | 0.06 | 0.05 | 0.05 | 0.05 | 0.06 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.3% | 0.3% | 0.3% | 0.4% | 0.5% | 0.4% | 0.6% | 0.5% | 0.7% | 0.4% | 0.4% |
| Payout Ratio | 3.2% | 3.2% | 3.5% | 3.5% | 4.0% | 3.8% | 6.2% | 6.6% | 7.7% | 7.0% | 7.2% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.8% | 9.0% | 8.3% | 11.5% | 11.8% | 11.1% | 9.6% | 8.2% | 8.9% | 6.1% | 5.0% |
| FCF Yield | 22.2% | 25.4% | 29.3% | 36.7% | 10.2% | 8.3% | 17.1% | 9.1% | 10.9% | 4.8% | 6.8% |
| Buyback Yield | 1.4% | 1.5% | 0.0% | 0.9% | 6.3% | 1.6% | 0.6% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 1.6% | 1.8% | 0.3% | 1.3% | 6.8% | 2.0% | 1.2% | 0.5% | 0.7% | 0.4% | 0.4% |
| Shares Outstanding | — | $17M | $17M | $17M | $17M | $16M | $16M | $16M | $15M | $14M | $13M |
Non-interest income volatility
With a P/B ratio of 1.48 as of the most recent reporting period, QCRH appears to command a valuation premium relative to its peers, suggesting that the market may be pricing in the bank's specialized capital markets capabilities rather than its current, more modest return on equity.
The current P/B multiple implies that investors are looking past the recent stagnation in ROE, likely anticipating that the bank's unique fee-generating desks will eventually drive superior long-term returns. However, if the bank fails to improve its core profitability metrics, this valuation premium may prove difficult to sustain in a competitive Midwestern landscape.
According to the provided financial data, QCRH's ROE has remained in a narrow range between 2.6% and 3.8% over the last ten quarters, indicating that the bank's profitability is currently constrained by persistent NIM compression and the high fixed-cost burden of its decentralized multi-charter operating model.
The decomposition of profitability suggests that the bank's reliance on non-interest income is a double-edged sword, providing necessary diversification while introducing significant earnings volatility. Investors should monitor whether the bank can achieve better operating leverage as it scales, or if the multi-charter structure will continue to act as a drag on overall efficiency.
Based on reported figures, the net interest margin has remained stagnant at 0.7% for the majority of the last ten quarters, which suggests that the bank's ability to reprice its commercial loan book is being effectively offset by rising funding costs in its core regional markets.
While the efficiency ratio has been maintained in a disciplined range of 32% to 38%, this metric may be masking the underlying difficulty in expanding the net interest spread. The bank's reliance on specialized fee income appears to be a necessary offset to this margin pressure, but it leaves the bottom line vulnerable to shifts in borrower demand.
As indicated by the bank's financial structure, the P/E ratio is a frequently misapplied metric for QCRH because it fails to account for the lumpy, non-recurring nature of swap fee income and the accounting distortions inherent in tax credit investments that characterize the bank's specialized revenue streams.
Relying on P/E ratios obscures the core operational performance by including volatile fair value adjustments and timing-dependent gains. Analysts should instead prioritize P/TBV and adjusted ROTCE, which provide a more accurate reflection of the bank's underlying franchise value and its ability to generate sustainable returns on its tangible capital base.
Includes 30+ ratios · 30 years · Updated daily
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Quick answers to the most common questions about buying QCRH stock.
QCR Holdings, Inc.'s current P/E ratio is 12.9x. The historical average is 15.9x. This places it at the 48th percentile of its historical range.
QCR Holdings, Inc.'s current EV/EBITDA is 14.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 26.1x.
QCR Holdings, Inc.'s return on equity (ROE) is 12.1%. The historical average is 9.6%.
Based on historical data, QCR Holdings, Inc. is trading at a P/E of 12.9x. This is at the 48th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
QCR Holdings, Inc.'s current dividend yield is 0.25% with a payout ratio of 3.2%.
QCR Holdings, Inc. has 57.7% gross margin and 22.8% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
QCR Holdings, Inc.'s Debt/EBITDA ratio is 4.2x, indicating high leverage. A ratio above 4x may signal elevated financial risk.