QCR Holdings Inc. | Small-cap | Financial Services
$69.77
-3.18%
| QCR Holdings Stock Comparison:
QCR Holdings vs Nu HoldingsQCR Holdings vs U.S. BancorpQCR Holdings vs OFG BancorpQCR Holdings vs Northwest BancsharesQCR Holdings vs LendingClubQCR Holdings vs S&P 500 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Mar 2025

Income Metrics

Revenue 74.6M
Net Income 25.8M 34.57%
EPS (Diluted) $1.52

Balance Sheet Metrics

Total Assets 9.2B
Total Liabilities 8.1B
Shareholders Equity 1.0B
Debt to Equity 7.95

Cash Flow Metrics

Operating Cash Flow -10.6M
Free Cash Flow -12.7M

Revenue & Profitability Trend

QCR Holdings Income Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Revenue i 337.7M 343.2M 304.2M 271.8M 275.2M
Cost of Goods Sold i - - - - -
Gross Profit i - - - - -
Gross Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Operating Expenses
Research & Development i - - - - -
Selling, General & Administrative i 142.7M 149.8M 126.1M 109.6M 103.7M
Other Operating Expenses i - - - - -
Total Operating Expenses i 142.7M 149.8M 126.1M 109.6M 103.7M
Operating Income i - - - - -
Operating Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Non-Operating Items
Interest Income i - - - - -
Interest Expense i - - - - -
Other Non-Operating Income - - - - -
Pre-tax Income i 122.6M 126.6M 113.5M 121.5M 73.3M
Income Tax i 8.7M 13.1M 14.5M 22.6M 12.7M
Effective Tax Rate % i 7.1% 10.3% 12.8% 18.6% 17.3%
Net Income i 113.8M 113.6M 99.1M 98.9M 60.6M
Net Margin % i 33.7% 33.1% 32.6% 36.4% 22.0%
Key Metrics
EBITDA i - - - - -
EPS (Basic) i $6.77 $6.79 $5.94 $6.30 $3.89
EPS (Diluted) i $6.71 $6.73 $5.87 $6.20 $3.80
Basic Shares Outstanding i 16829004 16732406 16681844 15708744 15571650
Diluted Shares Outstanding i 16829004 16732406 16681844 15708744 15571650

Income Statement Trend

QCR Holdings Balance Sheet From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Assets
Current Assets
Cash & Equivalents i 235.2M 202.0M 127.1M 112.8M 147.9M
Short-term Investments i 281.1M 299.7M 341.0M 337.8M 362.0M
Accounts Receivable i - - - - -
Inventory i - - - - -
Other Current Assets - - - - -
Total Current Assets i - - - - -
Non-Current Assets
Property, Plant & Equipment i - - - - -
Goodwill i 288.3M 291.9M 292.0M 157.5M 159.5M
Intangible Assets i 11.1M 13.8M 16.8M 9.3M 11.4M
Long-term Investments - - - - -
Other Non-Current Assets - - - - -
Total Non-Current Assets i - - - - -
Total Assets i 9.0B - - - -
Liabilities
Current Liabilities
Accounts Payable i - - - - -
Short-term Debt i - - - - -
Current Portion of Long-term Debt - - - - -
Other Current Liabilities - - - - -
Total Current Liabilities i - - - - -
Non-Current Liabilities
Long-term Debt i 567.7M 716.8M 696.3M 167.0M 171.7M
Deferred Tax Liabilities i - - - - -
Other Non-Current Liabilities - - - - -
Total Non-Current Liabilities i - - - - -
Total Liabilities i 8.0B - - - -
Equity
Common Stock i 16.9M 16.7M 16.8M 15.6M 15.8M
Retained Earnings i 665.2M 555.0M 450.1M 386.1M 300.8M
Treasury Stock i - - - - -
Other Equity - - - - -
Total Shareholders Equity i 997.4M 886.6M 772.7M 677.0M 593.8M
Key Metrics
Total Debt i 567.7M 716.8M 696.3M 167.0M 171.7M
Working Capital i 0 0 0 0 0

Balance Sheet Composition

QCR Holdings Cash Flow Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Operating Activities
Net Income i 113.8M 113.6M 99.1M 98.9M 60.6M
Depreciation & Amortization i 11.2M 11.7M 10.5M 7.4M 7.5M
Stock-Based Compensation i 2.8M 2.7M 2.4M 2.4M 2.2M
Working Capital Changes i -25.9M -11.8M 1.4M -44.2M -2.9M
Operating Cash Flow i 421.2M 353.3M 109.1M 81.9M 58.4M
Investing Activities
Capital Expenditures i -44.5M -14.4M -31.2M -12.3M -4.2M
Acquisitions i 0 0 145.0M 0 -154.0K
Investment Purchases i -218.0M -187.6M -230.5M -173.2M -356.9M
Investment Sales i 78.4M 141.9M 186.8M 195.7M 138.9M
Investing Cash Flow i -172.2M -56.5M 39.6M 13.8M -201.7M
Financing Activities
Share Repurchases i 0 -8.7M -53.0M -14.2M -3.8M
Dividends Paid i -4.0M -4.0M -3.9M -3.8M -3.8M
Debt Issuance i 10.4M 135.0M 110.0M 0 175.0M
Debt Repayment i 0 0 -26.0M -5.0M -176.9M
Financing Cash Flow i -151.9M -119.4M 553.4M -23.9M -110.4M
Free Cash Flow i 400.0M 361.4M 85.4M 74.2M 107.9M
Net Change in Cash i 97.1M 177.4M 702.1M 71.7M -253.7M

Cash Flow Trend

QCR Holdings Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 11.35
Forward P/E 10.83
Price to Book 1.21
Price to Sales 3.94
PEG Ratio -9.82

Profitability Ratios

Profit Margin 34.94%
Operating Margin 41.47%
Return on Equity 11.36%
Return on Assets 1.25%

Financial Health

Debt to Equity 0.68
Beta 0.83

Per Share Data

EPS (TTM) $6.63
Book Value per Share $62.04
Revenue per Share $19.12

Peer Financial Comparison

Company Market Cap P/E Ratio P/B Ratio ROE Profit Margin Debt/Equity
qcrh 1.3B 11.35 1.21 11.36% 34.94% 0.68
Nu Holdings 74.7B 32.19 7.64 27.88% 39.32% 0.36
U.S. Bancorp 73.5B 11.36 1.36 11.67% 27.00% 1.34
OFG Bancorp 1.9B 9.95 1.42 15.20% 31.43% 0.38
Northwest Bancshares 1.8B 11.13 0.97 8.97% 25.54% 0.29
LendingClub 1.8B 24.06 1.26 5.50% 5.93% 1.59

Financial data is updated regularly. All figures are in the company's reporting currency.