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QCRH

QCR Holdings, Inc.

QCRH

QCR Holdings, Inc. • NASDAQ
$81.63 ▼ -0.50% (-0.41)
Market Cap $1.38 B
52w High $92.90
52w Low $60.83
Dividend Yield 0.24%
P/E 11.42
Volume 77.62K
Outstanding Shares 16.91M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $159.324M ▲ $54.245M ▲ $36.714M ▲ 23.044% ▲ $2.17 ▲ $43.7M ▲
Q2-2025 $139.961M ▲ $47.182M ▲ $29.019M ▲ 20.734% ▲ $1.71 ▲ $33.539M ▲
Q1-2025 $131.308M ▼ $44.282M ▼ $25.797M ▼ 19.646% ▼ $1.53 ▼ $28.974M ▼
Q4-2024 $149.449M ▼ $51.126M ▲ $30.225M ▲ 20.224% ▲ $1.8 ▲ $36.142M ▲
Q3-2024 $149.882M $50.87M $27.785M 18.538% $1.65 $32.198M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $77.581M ▼ $9.568B ▲ $8.481B ▲ $1.087B ▲
Q2-2025 $289.021M ▼ $9.242B ▲ $8.192B ▲ $1.051B ▲
Q1-2025 $370.045M ▼ $9.153B ▲ $8.13B ▲ $1.023B ▲
Q4-2024 $516.283M ▼ $9.026B ▼ $8.029B ▼ $997.387M ▲
Q3-2024 $541.664M $9.089B $8.112B $976.62M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $29.019M ▲ $42.23M ▲ $-96.556M ▲ $60.101M ▼ $5.775M ▼ $24.214M ▲
Q1-2025 $25.797M ▼ $-3.554M ▼ $-123.499M ▲ $134.315M ▲ $7.262M ▲ $-12.673M ▼
Q4-2024 $30.225M ▲ $177.33M ▼ $-175.273M ▲ $-14.165M ▼ $-12.108M ▼ $163.381M ▼
Q3-2024 $27.785M ▼ $238.121M ▲ $-337.167M ▼ $110.713M ▼ $11.667M ▲ $229.893M ▲
Q2-2024 $29.114M $26.343M $-250.669M $235.511M $11.185M $16.171M

Revenue by Products

Product Q3-2024Q4-2024Q1-2025Q2-2025
Correspondent Clearing
Correspondent Clearing
 $0 ▲$0 ▲$0 ▲$0 ▲
Debit Card
Debit Card
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit Account
Deposit Account
 $0 ▲$10.00M ▲$0 ▼$0 ▲
Fiduciary and Trust
Fiduciary and Trust
 $0 ▲$10.00M ▲$0 ▼$0 ▲
Investment Advisory Management and Administrative Service
Investment Advisory Management and Administrative Service
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement QCR Holdings has grown steadily over the past several years, with revenue and profits generally moving higher. Earnings climbed meaningfully coming out of 2020 and have since leveled off at a solid, profitable level. Profit margins look healthy for a regional bank, suggesting the company is managing funding costs, credit quality, and overhead reasonably well. The most recent year shows revenue still rising while earnings are more flat, which hints at some pressure on margins or higher operating costs, but not a deterioration in overall profitability. Overall, the income statement paints the picture of a mature, consistently profitable regional bank rather than a volatile or distressed franchise.

Balance Sheet

Balance Sheet The balance sheet has expanded at a measured, disciplined pace. Total assets have grown every year, reflecting a larger loan book and customer base. Equity has also grown steadily, which strengthens the capital base and provides more cushion against credit losses or economic shocks. Debt increased meaningfully up to 2022 and has since been brought down, a sign of active balance sheet management and some de‑leveraging. Cash balances are modest but trending upward, typical for a bank that largely funds itself through deposits. Overall, the balance sheet looks stronger and better capitalized today than it did a few years ago, though continued credit discipline remains important as the bank scales.

Cash Flow

Cash Flow Cash generation has improved significantly over the period. Operating cash flow has moved from relatively modest levels to much stronger, more consistent inflows, broadly in line with the growth in earnings. Free cash flow has followed the same path, helped by relatively low spending needs on physical assets. Capital expenditures are modest, suggesting the business does not require heavy ongoing investment in bricks-and-mortar infrastructure, which is attractive in a banking model. The main cash-flow sensitivities remain tied to the credit cycle, deposit behavior, and interest rates, but the recent history shows a business that reliably turns accounting profits into real cash.

Competitive Edge

Competitive Edge QCR Holdings positions itself as a relationship-focused community and commercial bank with a strong presence in its Midwestern markets. Its decentralized model gives local banks meaningful autonomy, which can be a real advantage in building long-term client relationships and attracting experienced bankers who want local decision-making authority. The company also benefits from a more diversified mix of revenue than many small banks, with meaningful contributions from wealth management and trust services, which can be more stable and fee-based. On the risk side, QCRH still competes against much larger national and super-regional banks with deeper pockets, broader product sets, and heavy digital investments. Its focus on specific regions and niches concentrates risk in those markets, but also deepens its expertise and customer loyalty there.

Innovation and R&D

Innovation and R&D For a regional bank, QCR Holdings is leaning relatively hard into technology and data. The partnership with Jack Henry to modernize its core systems and tap into a broad fintech ecosystem is a major strategic move, aiming to give customers a modern digital experience without losing the feel of a local bank. Access to an open platform and real-time data tools should help QCRH launch new services faster, improve efficiency, and better understand client behavior. The company is also reshaping its portfolio by winding down new origination in equipment finance and emphasizing areas where it can build deeper relationships, such as specialized lending and expanded wealth management. The main execution risks lie in managing the complexity of technology conversion, integrating third-party fintech tools smoothly, and ensuring that digital upgrades genuinely enhance — rather than dilute — its high-touch service model.

Summary

QCR Holdings looks like a steadily growing, consistently profitable regional bank that has used a relationship-driven model to build scale in its chosen markets. Financially, it has expanded assets, grown earnings, strengthened its capital base, and improved cash generation over several years, though the latest period shows earnings growth flattening even as the franchise continues to grow. Strategically, its mix of community banking, specialized lending, and wealth management provides diversification beyond basic loans and deposits. At the same time, the bank is investing in a modern technology backbone and fintech partnerships to stay competitive in an industry where digital capabilities increasingly matter. Key things to watch going forward are credit quality through the cycle, the impact of interest rate changes on margins, the smooth rollout and adoption of new technology, and the continued success of higher-margin, fee-based businesses like wealth management.

NEWS

November 21, 2025 · 8:00 AM UTC

QCR Holdings, Inc. Announces a Cash Dividend of $0.06 Per Share

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November 6, 2025 · 9:00 AM UTC

QCR Holdings, Inc. Selects Jack Henry to Modernize Technology Across Four Banks

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September 15, 2025 · 6:11 PM UTC

KBRA Assigns Ratings to Notes Issued by QCR Holdings, Inc.

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September 15, 2025 · 4:05 PM UTC

QCR Holdings, Inc. Completes Private Placements of Subordinated Notes

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