📊 QCRH Key Takeaways
Is Qcr Holdings Inc. (QCRH) a Good Investment?
QCR Holdings exhibits alarming earnings quality issues with negative free cash flow (-$7.9M) despite reported net income of $33.4M, signaling potential asset quality deterioration or unsustainable accounting practices. Severely depressed capital returns (ROE 3.0%, ROA 0.3%) and interest coverage below 1.0x (0.6x) reveal fundamental inefficiency in capital deployment and debt servicing capacity.
Qcr Holdings Inc. Key Strengths (QCRH)
- Exceptional revenue growth of 91.8% YoY demonstrates expansion trajectory
- Strong operating margins (29.8%) and net margins (27.8%) suggest pricing power or operational leverage
- Conservative capital structure with 0.00x Debt/Equity provides financial flexibility
QCRH Stock Risks: Qcr Holdings Inc. Investment Risks
- Critical disconnect between reported net income ($33.4M) and operating cash flow ($4.4M) indicates severe earnings quality deterioration
- Negative free cash flow (-$7.9M) despite profitability suggests potential loan loss provisions or asset impairments
- Dangerously low return metrics (ROE 3.0%, ROA 0.3%) and interest coverage (0.6x) indicate poor capital efficiency and debt servicing stress
- Unusual 91.8% revenue growth for banking sector warrants investigation into acquisition impact and organic sustainability
Key Metrics to Watch
- Operating cash flow trend and reconciliation with net income
- Loan loss provisions as percentage of total assets
- Asset quality metrics (NPL ratio, charge-offs)
- Return on equity trajectory toward industry benchmarks (10%+)
- Interest coverage ratio improvement
Qcr Holdings Inc. (QCRH) Financial Metrics & Key Ratios
💡 AI Analyst Insight
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 grade of C with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are QCRH's key strengths?
Claude: Exceptional revenue growth of 91.8% YoY demonstrates expansion trajectory. Strong operating margins (29.8%) and net margins (27.8%) suggest pricing power or operational leverage.
What are the risks of investing in QCRH?
Claude: Critical disconnect between reported net income ($33.4M) and operating cash flow ($4.4M) indicates severe earnings quality deterioration. Negative free cash flow (-$7.9M) despite profitability suggests potential loan loss provisions or asset impairments.
What is QCRH's revenue and growth?
Qcr Holdings Inc. reported revenue of $120.1M.
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 $1.99.
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 grade reflects both perspectives for balanced insights.
What is QCRH's fundamental grade?
Based on our AI fundamental analysis in May 2026, Qcr Holdings Inc. has a C grade with 72% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is QCRH stock overvalued or undervalued?
Valuation metrics for QCRH: ROE of 3.0% (sector avg: 12%), net margin of 27.8% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is QCRH's AI grade for 2026?
Our dual AI analysis gives Qcr Holdings Inc. a combined C grade 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 $4.4M, with capital expenditures of $12.3M. FCF margin is -6.6%.
How does QCRH compare to other Finance stocks?
Vs Finance sector averages: Net margin 27.8% (avg: 25%), ROE 3.0% (avg: 12%), current ratio N/A (avg: 1.2).