📊 QCRH Key Takeaways
Is Qcr Holdings Inc. (QCRH) a Good Investment?
QCR Holdings demonstrates strong fundamental profitability with 26% net margins and exceptional free cash flow generation (72.4% FCF margin), supported by a conservative zero-debt balance sheet. However, the dramatic 91.8% revenue growth contrasts sharply with only 11.7% net income growth, suggesting acquisition-driven expansion or integration costs that warrant careful monitoring of earnings quality and organic growth trends.
Why Buy Qcr Holdings Inc. Stock? QCRH Key Strengths
- Outstanding free cash flow generation at $354.1M with 72.4% FCF margin, indicating high-quality earnings
- Exceptional net profit margin of 26.0% and operating margin of 27.8% demonstrates strong pricing power and cost control
- Conservative capital structure with zero long-term debt and Debt/Equity of 0.00x provides financial flexibility
- Solid return on equity of 11.4% shows efficient use of shareholder capital
- Strong operating cash flow of $421.5M supports sustainability of profitability
QCRH Stock Risks: Qcr Holdings Inc. Investment Risks
- Revenue growth of 91.8% YoY significantly outpaces net income growth of 11.7%, indicating potential acquisition integration costs or non-organic revenue
- Interest coverage ratio of 2.3x appears relatively constrained for a bank, limiting margin for adverse conditions
- Lack of visibility into organic versus inorganic revenue composition raises questions about growth quality and sustainability
Key Metrics to Watch
- Organic revenue growth rate and acquisition-adjusted earnings quality
- Net interest margin trends and net interest income sustainability
- Integration expense amortization and path to profitability for acquired assets
Qcr Holdings Inc. (QCRH) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 72.4% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
QCRH Profit Margin, ROE & Profitability Analysis
QCRH vs Finance Sector: How Qcr Holdings Inc. Compares
How Qcr Holdings Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Qcr Holdings Inc. Stock Overvalued? QCRH Valuation Analysis 2026
Based on fundamental analysis, Qcr Holdings Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Qcr Holdings Inc. Balance Sheet: QCRH Debt, Cash & Liquidity
QCRH Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Qcr Holdings Inc.'s revenue has grown significantly by 85% over the 5-year period, indicating strong business expansion. The most recent EPS of $6.73 reflects profitable operations.
QCRH Revenue Growth, EPS Growth & YoY Performance
QCRH Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2024 | $135.2M | $25.1M | $1.49 |
| Q2 2024 | $130.9M | $26.7M | $1.69 |
| Q1 2024 | $120.1M | $26.7M | $1.58 |
| Q3 2023 | $100.4M | $15.2M | $1.49 |
| Q2 2023 | $91.0M | $15.2M | $0.87 |
| Q1 2023 | $66.7M | $23.6M | $1.49 |
| Q3 2022 | $86.3M | $15.2M | $1.71 |
| Q2 2022 | $68.2M | $15.2M | $0.87 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Qcr Holdings Inc. Dividends, Buybacks & Capital Allocation
QCRH SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Qcr Holdings Inc. (CIK: 0000906465)
📋 Recent SEC Filings
❓ Frequently Asked Questions about QCRH
What is the AI rating for QCRH?
Qcr Holdings Inc. (QCRH) has an AI rating of BUY with 75% confidence, based on fundamental analysis of SEC EDGAR filings.
What are QCRH's key strengths?
Claude: Outstanding free cash flow generation at $354.1M with 72.4% FCF margin, indicating high-quality earnings. Exceptional net profit margin of 26.0% and operating margin of 27.8% demonstrates strong pricing power and cost control.
What are the risks of investing in QCRH?
Claude: Revenue growth of 91.8% YoY significantly outpaces net income growth of 11.7%, indicating potential acquisition integration costs or non-organic revenue. Interest coverage ratio of 2.3x appears relatively constrained for a bank, limiting margin for adverse conditions.
What is QCRH's revenue and growth?
Qcr Holdings Inc. reported revenue of $489.4M.
Does QCRH pay dividends?
Qcr Holdings Inc. does not currently pay dividends.
Where can I find QCRH SEC filings?
Official SEC filings for Qcr Holdings Inc. (CIK: 0000906465) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is QCRH's EPS?
Qcr Holdings Inc. has a diluted EPS of $7.49.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is QCRH a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Qcr Holdings Inc. has a BUY rating with 75% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is QCRH stock overvalued or undervalued?
Valuation metrics for QCRH: ROE of 11.4% (sector avg: 12%), net margin of 26.0% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy QCRH stock in 2026?
Our dual AI analysis gives Qcr Holdings Inc. a combined BUY rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is QCRH's free cash flow?
Qcr Holdings Inc.'s operating cash flow is $421.5M, with capital expenditures of $67.4M. FCF margin is 72.4%.
How does QCRH compare to other Finance stocks?
Vs Finance sector averages: Net margin 26.0% (avg: 25%), ROE 11.4% (avg: 12%), current ratio N/A (avg: 1.2).