QCR Holdings, Inc. (QCRH) Stock Analysis
Financial Services · Banks - Regional · NasdaqGM
QCR Holdings, Inc. (QCRH) posted $360.10M in revenue for fiscal 2025 (up 6.5% year over year), at a 35.3% net margin, and has compounded revenue about 2.9%/yr over five years, per its SEC filings.
Data last refreshed September 3, 2026 from SEC filings · how we compute this
The analyst's take on QCR Holdings, Inc.
QCR Holdings, Inc. has grown revenue from $137.50M to $360.10M over the last 10 fiscal years, compounding about 2.9% a year. The most recent year was up 6.5%, so growth is actually accelerating.
Net margin sits at 35.3%, up 1.6 points year over year. It carries about $638.54M of total debt.
At today's valuation the market is pricing in roughly -13.9% annual free-cash-flow growth — versus the 26.8% it actually delivered over the last five years, so the price is arguably undemanding against what it has already proven. It clears 5 of 7 deterministic health checks. Nothing in the filed statements trips our red-flag scan.
Synthesised from QCR Holdings, Inc.'s SEC filings — descriptive, not advice. Ask the analyst your own question →
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QCR Holdings, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $137.50M | $166.00M | $224.42M | $294.84M | $312.17M | $300.58M | $304.16M | $343.21M | $338.09M | $360.10M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $27.69M | $35.71M | $43.12M | $57.41M | $60.58M | $98.91M | $99.07M | $113.56M | $113.85M | $127.19M |
| Net margin | 20.1% | 21.5% | 19.2% | 19.5% | 19.4% | 32.9% | 32.6% | 33.1% | 33.7% | 35.3% |
Source: QCR Holdings, Inc. SEC filings (10-K). 17 years of history available in the interactive view.
QCR Holdings, Inc. financial health: 5 of 7 checks passed
- ✓Profitable every year (last 5)
- ✓Net margin above 10% (35.3%)
- ✗More cash than total debt (cash 279M vs debt 638.5M)
- ✓Positive operating cash flow (last 5 yrs)
- ✓Free cash flow positive (latest yr) (354.1M)
- ✗Share count falling over 5 yrs (buybacks) (15.8M → 16.7M shares)
- ✓Pays a dividend (4 consecutive yrs in our data)
Checks computed deterministically from filed annual statements — no AI judgement.
QCR Holdings, Inc.: no obvious red flags in the filings
Our deterministic scan of the filed statements — receivables vs sales, earnings vs cash, dilution, leverage and margins — didn't flag anything. Ask about the risks →
What growth is priced into QCRH stock?
At today's market cap of $1.58B, QCR Holdings, Inc. is priced for free-cash-flow growth of about -13.9% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $354.11M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 26.8%/yr over the last five fiscal years and revenue 2.9%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of QCR Holdings, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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QCR Holdings, Inc. financial history
About QCR Holdings, Inc.
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.
QCR Holdings, Inc. — frequently asked questions
What is QCR Holdings, Inc.'s revenue?
QCR Holdings, Inc. (QCRH) reported revenue of $360.10M for fiscal year 2025, up 6.5% from the prior year, according to its SEC filings.
Is QCR Holdings, Inc. profitable?
Yes. QCRH earned net income of $127.19M in fiscal 2025, a net margin of 35.3%.
What is QCRH's P/E ratio?
QCR Holdings, Inc. trades at a price-to-earnings ratio of about 12.0 based on the latest data in our nightly-refreshed cache.
How fast is QCR Holdings, Inc. growing?
QCRH's revenue grew at roughly 2.9% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
Does QCR Holdings, Inc. pay a dividend?
Yes, QCRH pays a dividend — the yield is about 0.42%.
How much debt does QCR Holdings, Inc. have?
As of fiscal year 2025, QCRH carried roughly $638.54M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is QCR Holdings, Inc.'s market cap?
QCR Holdings, Inc. (QCRH) has a market capitalization of about $1.58B, based on the latest data in our nightly-refreshed cache.
When does QCR Holdings, Inc.'s fiscal year end?
QCRH's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into QCRH stock?
At today's market cap of $1.58B, QCR Holdings, Inc. is priced for free-cash-flow growth of about -13.9% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $354.11M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 26.8%/yr over the last five fiscal years and revenue 2.9%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from QCR Holdings, Inc.'s official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.