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QCR HOLDINGS INC (QCRH) Stock Fundamental Analysis

NASDAQ:QCRH - Nasdaq - US74727A1043 - Common Stock

81  -0.55 (-0.67%)

Fundamental Rating

5

Overall QCRH gets a fundamental rating of 5 out of 10. We evaluated QCRH against 405 industry peers in the Banks industry. Both the profitability and the financial health of QCRH get a neutral evaluation. Nothing too spectacular is happening here. QCRH has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year QCRH was profitable.
In the past year QCRH had a positive cash flow from operations.
In the past 5 years QCRH has always been profitable.
In the past 5 years QCRH always reported a positive cash flow from operatings.
QCRH Yearly Net Income VS EBIT VS OCF VS FCFQCRH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M

1.2 Ratios

QCRH has a better Return On Assets (1.28%) than 85.93% of its industry peers.
With an excellent Return On Equity value of 11.93%, QCRH belongs to the best of the industry, outperforming 84.17% of the companies in the same industry.
Industry RankSector Rank
ROA 1.28%
ROE 11.93%
ROIC N/A
ROA(3y)1.4%
ROA(5y)1.29%
ROE(3y)13.41%
ROE(5y)12.23%
ROIC(3y)N/A
ROIC(5y)N/A
QCRH Yearly ROA, ROE, ROICQCRH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10

1.3 Margins

QCRH has a Profit Margin of 32.45%. This is amongst the best in the industry. QCRH outperforms 87.69% of its industry peers.
QCRH's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for QCRH so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 32.45%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.16%
PM growth 5Y6.5%
GM growth 3YN/A
GM growth 5YN/A
QCRH Yearly Profit, Operating, Gross MarginsQCRH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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4

2. Health

2.1 Basic Checks

QCRH does not have a ROIC to compare to the WACC, probably because it is not profitable.
QCRH has less shares outstanding than it did 1 year ago.
QCRH has more shares outstanding than it did 5 years ago.
The debt/assets ratio for QCRH has been reduced compared to a year ago.
QCRH Yearly Shares OutstandingQCRH Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M
QCRH Yearly Total Debt VS Total AssetsQCRH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B

2.2 Solvency

The Debt to FCF ratio of QCRH is 0.55, which is an excellent value as it means it would take QCRH, only 0.55 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of QCRH (0.55) is better than 84.17% of its industry peers.
QCRH has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
QCRH has a worse Debt to Equity ratio (0.29) than 64.82% of its industry peers.
Even though the debt/equity ratio score it not favorable for QCRH, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 0.55
Altman-Z N/A
ROIC/WACCN/A
WACC13.91%
QCRH Yearly LT Debt VS Equity VS FCFQCRH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
QCRH Yearly Current Assets VS Current LiabilitesQCRH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M

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5

3. Growth

3.1 Past

QCRH shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.84%.
QCRH shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.90% yearly.
Looking at the last year, QCRH shows a small growth in Revenue. The Revenue has grown by 7.39% in the last year.
The Revenue has been growing by 13.97% on average over the past years. This is quite good.
EPS 1Y (TTM)5.84%
EPS 3Y21.21%
EPS 5Y18.9%
EPS Q2Q%17.88%
Revenue 1Y (TTM)7.39%
Revenue growth 3Y8%
Revenue growth 5Y13.97%
Sales Q2Q%8.08%

3.2 Future

QCRH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.44% yearly.
The Revenue is expected to grow by 8.96% on average over the next years. This is quite good.
EPS Next Y0.65%
EPS Next 2Y1.92%
EPS Next 3Y4.44%
EPS Next 5YN/A
Revenue Next Year6.42%
Revenue Next 2Y8.58%
Revenue Next 3Y8.96%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
QCRH Yearly Revenue VS EstimatesQCRH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
QCRH Yearly EPS VS EstimatesQCRH Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.46, the valuation of QCRH can be described as very reasonable.
Based on the Price/Earnings ratio, QCRH is valued a bit cheaper than 70.85% of the companies in the same industry.
QCRH is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 11.43, which indicates a very decent valuation of QCRH.
QCRH's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.44, QCRH is valued rather cheaply.
Industry RankSector Rank
PE 11.46
Fwd PE 11.43
QCRH Price Earnings VS Forward Price EarningsQCRH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, QCRH is valued cheaper than 97.49% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.62
EV/EBITDA N/A
QCRH Per share dataQCRH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)17.52
PEG (5Y)0.61
EPS Next 2Y1.92%
EPS Next 3Y4.44%

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5

5. Dividend

5.1 Amount

With a yearly dividend of 0.30%, QCRH is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.22, QCRH's dividend is way lower than its industry peers. On top of this 86.93% of the companies listed in the same industry pay a better dividend than QCRH!
With a Dividend Yield of 0.30, QCRH pays less dividend than the S&P500 average, which is at 2.28.
Industry RankSector Rank
Dividend Yield 0.3%

5.2 History

The dividend of QCRH has a limited annual growth rate of 1.50%.
QCRH has been paying a dividend for at least 10 years, so it has a reliable track record.
QCRH has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)1.5%
Div Incr Years0
Div Non Decr Years21
QCRH Yearly Dividends per shareQCRH Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.05 0.1 0.15 0.2

5.3 Sustainability

4.34% of the earnings are spent on dividend by QCRH. This is a low number and sustainable payout ratio.
QCRH's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP4.34%
EPS Next 2Y1.92%
EPS Next 3Y4.44%
QCRH Yearly Income VS Free CF VS DividendQCRH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M
QCRH Dividend Payout.QCRH Dividend Payout, showing the Payout Ratio.QCRH Dividend Payout.PayoutRetained Earnings

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QCR HOLDINGS INC

NASDAQ:QCRH (1/22/2025, 10:27:26 AM)

81

-0.55 (-0.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2024-10-23/amc
Earnings (Next)01-22 2025-01-22/amc
Inst Owners73.25%
Inst Owner Change0.34%
Ins Owners3.24%
Ins Owner Change0.01%
Market Cap1.37B
Analysts83.64
Price Target97.31 (20.14%)
Short Float %0.92%
Short Ratio2.01
Dividend
Industry RankSector Rank
Dividend Yield 0.3%
Yearly Dividend0.24
Dividend Growth(5Y)1.5%
DP4.34%
Div Incr Years0
Div Non Decr Years21
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.59%
Min EPS beat(2)14.48%
Max EPS beat(2)20.7%
EPS beat(4)4
Avg EPS beat(4)24.5%
Min EPS beat(4)14.48%
Max EPS beat(4)42.79%
EPS beat(8)8
Avg EPS beat(8)17.61%
EPS beat(12)10
Avg EPS beat(12)14.02%
EPS beat(16)14
Avg EPS beat(16)12.66%
Revenue beat(2)0
Avg Revenue beat(2)-10.18%
Min Revenue beat(2)-15.61%
Max Revenue beat(2)-4.74%
Revenue beat(4)0
Avg Revenue beat(4)-10.72%
Min Revenue beat(4)-15.9%
Max Revenue beat(4)-4.74%
Revenue beat(8)1
Avg Revenue beat(8)-8.19%
Revenue beat(12)5
Avg Revenue beat(12)5.14%
Revenue beat(16)9
Avg Revenue beat(16)17.56%
PT rev (1m)5.76%
PT rev (3m)10.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)20.2%
EPS NY rev (1m)0%
EPS NY rev (3m)5.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.13%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.95%
Valuation
Industry RankSector Rank
PE 11.46
Fwd PE 11.43
P/S 3.81
P/FCF 2.62
P/OCF 2.45
P/B 1.4
P/tB 1.69
EV/EBITDA N/A
EPS(TTM)7.07
EY8.73%
EPS(NY)7.08
Fwd EY8.75%
FCF(TTM)30.87
FCFY38.11%
OCF(TTM)33.09
OCFY40.85%
SpS21.28
BVpS57.89
TBVpS47.84
PEG (NY)17.52
PEG (5Y)0.61
Profitability
Industry RankSector Rank
ROA 1.28%
ROE 11.93%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.45%
GM N/A
FCFM 145.07%
ROA(3y)1.4%
ROA(5y)1.29%
ROE(3y)13.41%
ROE(5y)12.23%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.16%
PM growth 5Y6.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 0.55
Debt/EBITDA N/A
Cap/Depr 322.25%
Cap/Sales 10.44%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 447.07%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.91%
ROIC/WACCN/A
Cap/Depr(3y)210.49%
Cap/Depr(5y)170.98%
Cap/Sales(3y)6.67%
Cap/Sales(5y)5.36%
Profit Quality(3y)159.81%
Profit Quality(5y)153.83%
High Growth Momentum
Growth
EPS 1Y (TTM)5.84%
EPS 3Y21.21%
EPS 5Y18.9%
EPS Q2Q%17.88%
EPS Next Y0.65%
EPS Next 2Y1.92%
EPS Next 3Y4.44%
EPS Next 5YN/A
Revenue 1Y (TTM)7.39%
Revenue growth 3Y8%
Revenue growth 5Y13.97%
Sales Q2Q%8.08%
Revenue Next Year6.42%
Revenue Next 2Y8.58%
Revenue Next 3Y8.96%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y673.77%
FCF growth 3Y49.62%
FCF growth 5Y46.91%
OCF growth 1Y455.45%
OCF growth 3Y49.69%
OCF growth 5Y42.39%