Stocks · Financial Services · Banks - Regional
QCR Holdings, Inc. QCRH
$100.95 +1.70% Close, Oct 2, 2026 · NASDAQ · Market cap $1.67B
Strong growthHigh qualityStrong trend
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 14 quarters (average surprise over the last four: +16.2%).
- The shares trade at 11.9× trailing earnings, higher than 90% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 237 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth88Strong
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 43%
- EPS growth (TTM, YoY)Top 40%
- FCF growth (TTM, YoY)Top 19%
- Revenue growth, 3-year CAGRTop 39%
- Revenue growth accelerationTop 21%
Quality82Strong
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 2%
- Gross marginBottom 39%
- Operating marginTop 40%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 13%
- Net debt / EBITDA (lower is better)Bottom 44%
- Interest coverBottom 36%
Value67Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 32%
- Free-cash-flow yieldTop 5%
- EBITDA / enterprise valueTop 38%
- Sales / enterprise valueTop 48%
- P/E vs own 5-year history (lower is better)Bottom 14%
Momentum85Strong
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 19%
- 6-month returnTop 28%
- 1-year return vs S&P 500Top 18%
- Distance from 52-week highTop 34%
- Trend checklist (0–4)Top 27%
Revisions96Exceptional
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 17%
- Consecutive EPS beatsTop 2%
- Share of analysts rating BuyTop 7%
- Upside to consensus price targetBottom 37%
Stability41Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 36%
- Maximum drawdown, 3 yearsBottom 41%
- Beta vs S&P 500 (lower is better)Bottom 31%
- Net debt / EBITDA (lower is better)Bottom 44%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 5.1% | 8.5% | ↑ |
| EPS growth (YoY) | 20.3% | 27.9% | ↑ |
| Gross margin | 54.9% | 60.9% | ↑ |
| Operating margin | 21.0% | 25.1% | ↑ |
| FCF margin | 70.9% | 128.1% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 8.5% | 5.1% | ↑ | Top 43% |
| EPS growth (TTM, YoY) | 27.9% | 20.3% | ↑ | Top 40% |
| Gross margin | 60.9% | 54.9% | ↑ | Bottom 39% |
| Operating margin | 25.1% | 21.0% | ↑ | Top 40% |
| Net margin | 22.9% | 19.8% | ↑ | — |
| Free-cash-flow margin | 128.1% | 70.9% | ↑ | — |
| Return on invested capital | 55.6% | — | Top 2% | |
| Revenue growth, 3-year CAGR | 17.7% | — | Top 39% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -7.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +131.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.76×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.28%
- Net buyback yield (TTM)
- 3.20%
- Shareholder yield
- 3.48%
- Share count change, 1 year
- -3.0%
- Share count change, 3-year CAGR
- -0.6%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 14
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +16.2%
- Average 2-day reaction, last 8
- +0.0%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $112.67
- Target vs current price
- +11.6%
- Analysts with a rating
- 8
- Share rating Buy or Strong Buy
- 88%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +14.7% | -1.2% | +6.0% | +6.6% | — |
| Apr 22, 2026 | +11.8% | -1.6% | +2.2% | -2.2% | +9.0% |
| Jan 27, 2026 | +12.8% | +1.1% | +5.9% | +1.6% | +2.1% |
| Oct 22, 2025 | +25.4% | +0.4% | +6.1% | +6.7% | +20.8% |
| Jul 23, 2025 | +6.1% | -0.1% | -3.6% | +0.1% | -5.7% |
| Apr 22, 2025 | +0.7% | +3.3% | -1.6% | +7.7% | +14.1% |
| Jan 22, 2025 | +10.9% | -0.7% | -3.4% | -5.5% | -19.2% |
| Oct 23, 2024 | +17.1% | -1.2% | +2.7% | +13.1% | +3.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $2.19 | $1.91 | +14.7% | $97.3M |
| Apr 22, 2026 | $1.99 | $1.78 | +11.8% | $90.4M |
| Jan 27, 2026 | $2.21 | $1.96 | +12.8% | $107.0M |
| Oct 22, 2025 | $2.17 | $1.73 | +25.4% | $99.1M |
| Jul 23, 2025 | $1.73 | $1.63 | +6.1% | $81.8M |
| Apr 22, 2025 | $1.53 | $1.52 | +0.7% | $74.6M |
| Jan 22, 2025 | $1.93 | $1.74 | +10.9% | $89.0M |
| Oct 23, 2024 | $1.78 | $1.52 | +17.1% | $84.2M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.9× | 10.1× | 90th | Top 32% |
| P/E (forward) | 11.9× | — | — | — |
| EV / EBITDA | 11.9× | — | — | Top 38% |
| EV / Sales | 3.16× | — | — | Top 48% |
| Free-cash-flow yield | 47.57% | — | — | Top 5% |
| Earnings yield | 8.41% | — | — | Top 32% |
P/E over the past five years
Range 6.3× – 12.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +32.5%
- Earnings per share growth (TTM)
- +27.9%
- Change in P/E multiple
- +15.2%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 237
- 50-day average slope (20 days)
- +1.4%
- 200-day average slope (20 days)
- +2.0%
- Distance from 50-day average
- -0.9%
- Distance from 200-day average
- +8.6%
- RSI (14)
- 51.8
- Relative volume
- 1.28×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.2%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.86
- Correlation with S&P 500
- 0.47
- Current drawdown from 1-year high
- -5.3%
- Maximum drawdown, 3 years
- -32.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Aug 18, 2022 | May 4, 2023 | -41.8% | 178 days | 297 days (Jul 11, 2024) |
| Nov 26, 2024 | Apr 11, 2025 | -32.2% | 92 days | 205 days (Feb 5, 2026) |
| Jan 18, 2022 | May 19, 2022 | -17.9% | 85 days | 60 days (Aug 16, 2022) |
| Feb 6, 2026 | Mar 18, 2026 | -15.3% | 27 days | 58 days (Jun 10, 2026) |
| Nov 5, 2021 | Dec 20, 2021 | -10.8% | 30 days | 14 days (Jan 10, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.67B
- P/E (TTM)
- 11.9
- EPS, diluted (TTM)
- $8.49
- Revenue (TTM)
- $619.0M
- Dividend yield
- 0.41%
- 52-week range
- $66.65 – $108.11
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $293.8M | $365.6M | $535.6M | $587.8M | $596.7M |
| Gross profit | $268.4M | $295.9M | $326.7M | $320.6M | $344.5M |
| Operating income | $121.5M | $113.5M | $126.8M | $122.6M | $135.9M |
| Net income | $98.9M | $99.1M | $113.6M | $113.8M | $127.2M |
| EPS (diluted) | $6.20 | $5.87 | $6.73 | $6.71 | $7.52 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $149.9M | $149.4M | $131.3M | $140.0M | $159.3M | $166.2M | $143.0M | $150.5M |
| Net income | $27.8M | $30.2M | $25.8M | $29.0M | $36.7M | $35.7M | $33.4M | $36.3M |
| EPS (diluted) | $1.64 | $1.77 | $1.52 | $1.71 | $2.16 | $2.13 | $2.00 | $2.20 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $88.2M | $118.7M | $376.3M | $444.5M | $421.5M |
| Capital expenditure | -$14.0M | -$33.3M | -$14.9M | -$44.5M | -$67.4M |
| Free cash flow | $74.2M | $85.4M | $361.4M | $400.0M | $354.1M |
| Dividends paid | -$3.8M | -$3.9M | -$4.0M | -$4.0M | -$4.1M |
| Net share buybacks | -$13.5M | -$52.5M | -$7.3M | $1.5M | -$20.5M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $111.3M
- Total assets
- $9.52B
- Total liabilities
- $8.37B
- Total debt
- $402.3M
- Net debt
- $291.0M
- Shareholders’ equity
- $1.15B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 18, 2026 | $0.15 | Oct 5, 2026 |
| Jun 18, 2026 | $0.10 | Jul 3, 2026 |
| Mar 19, 2026 | $0.10 | Apr 3, 2026 |
| Dec 23, 2025 | $0.06 | Jan 7, 2026 |
| Sep 18, 2025 | $0.06 | Oct 3, 2025 |
| Jun 18, 2025 | $0.06 | Jul 3, 2025 |
| Mar 19, 2025 | $0.06 | Apr 3, 2025 |
| Dec 13, 2024 | $0.06 | Jan 3, 2025 |
Short interest
- Shares sold short
- 481,758
- Days to cover
- 4.88
- Change vs previous report
- +21.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jun 1, 2004
- 3-for-2
- Dec 1, 1998
- 3-for-2