QCR Holdings
Market Cap
US$801.2m
Last Updated
2021/09/18 22:03 UTC
Data Sources
Company Financials +
Executive Summary
QCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. More Details
Rewards
Risk Analysis
No risks detected for QCRH from our risk checks.
Snowflake Analysis
Flawless balance sheet and good value.
Similar Companies
Share Price & News
How has QCR Holdings's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: QCRH is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: QCRH's weekly volatility (3%) has been stable over the past year.
Market Performance
7 Day Return
1.3%
QCRH
0.9%
US Banks
-0.6%
US Market
1 Year Return
77.4%
QCRH
63.3%
US Banks
33.8%
US Market
Return vs Industry: QCRH exceeded the US Banks industry which returned 63.3% over the past year.
Return vs Market: QCRH exceeded the US Market which returned 33.8% over the past year.
Shareholder returns
| QCRH | Industry | Market | |
|---|---|---|---|
| 7 Day | 1.3% | 0.9% | -0.6% |
| 30 Day | 5.0% | 1.3% | 2.0% |
| 90 Day | 9.8% | 4.6% | 4.7% |
| 1 Year | 78.3%77.4% | 67.7%63.3% | 35.8%33.8% |
| 3 Year | 21.4%19.0% | 21.9%11.4% | 60.0%50.1% |
| 5 Year | 64.0%59.2% | 94.7%70.1% | 123.0%98.7% |
Long-Term Price Volatility Vs. Market
How volatile is QCR Holdings's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 months ago | Simply Wall St
Who Has Been Buying QCR Holdings, Inc. (NASDAQ:QCRH) Shares?3 months ago | Simply Wall St
What Type Of Shareholders Own The Most Number of QCR Holdings, Inc. (NASDAQ:QCRH) Shares?4 months ago | Simply Wall St
QCR Holdings (NASDAQ:QCRH) Shareholders Have Enjoyed A 86% Share Price GainValuation
Is QCR Holdings undervalued compared to its fair value and its price relative to the market?
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: QCRH ($50.81) is trading below our estimate of fair value ($115.48)
Significantly Below Fair Value: QCRH is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: QCRH is good value based on its PE Ratio (10.6x) compared to the US Banks industry average (10.8x).
PE vs Market: QCRH is good value based on its PE Ratio (10.6x) compared to the US market (17.8x).
Price to Earnings Growth Ratio
PEG Ratio: QCRH is poor value based on its PEG Ratio (6.9x)
Price to Book Ratio
PB vs Industry: QCRH is overvalued based on its PB Ratio (1.3x) compared to the US Banks industry average (1.1x).
Future Growth
How is QCR Holdings forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
1.5%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: QCRH's forecast earnings growth (1.5% per year) is below the savings rate (2%).
Earnings vs Market: QCRH's earnings (1.5% per year) are forecast to grow slower than the US market (14.9% per year).
High Growth Earnings: QCRH's earnings are forecast to grow, but not significantly.
Revenue vs Market: QCRH's revenue (4.5% per year) is forecast to grow slower than the US market (9.8% per year).
High Growth Revenue: QCRH's revenue (4.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: QCRH's Return on Equity is forecast to be low in 3 years time (12%).
Past Performance
How has QCR Holdings performed over the past 5 years?
19.9%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: QCRH has high quality earnings.
Growing Profit Margin: QCRH's current net profit margins (30.1%) are higher than last year (25.7%).
Past Earnings Growth Analysis
Earnings Trend: QCRH's earnings have grown by 19.9% per year over the past 5 years.
Accelerating Growth: QCRH's earnings growth over the past year (35.7%) exceeds its 5-year average (19.9% per year).
Earnings vs Industry: QCRH earnings growth over the past year (35.7%) underperformed the Banks industry 36%.
Return on Equity
High ROE: QCRH's Return on Equity (12%) is considered low.
Financial Health
How is QCR Holdings's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: QCRH's Assets to Equity ratio (9.2x) is low.
Allowance for Bad Loans: QCRH has a sufficient allowance for bad loans (952%).
Low Risk Liabilities: 91% of QCRH's liabilities are made up of primarily low risk sources of funding.
Loan Level: QCRH has an appropriate level of Loans to Assets ratio (75%).
Low Risk Deposits: QCRH's Loans to Deposits ratio (92%) is appropriate.
Level of Bad Loans: QCRH has an appropriate level of bad loans (0.2%).
Dividend
What is QCR Holdings's current dividend yield, its reliability and sustainability?
0.47%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: QCRH's dividend (0.47%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.33%).
High Dividend: QCRH's dividend (0.47%) is low compared to the top 25% of dividend payers in the US market (3.6%).
Stability and Growth of Payments
Stable Dividend: QCRH is not paying a notable dividend for the US market, therefore no need to check if payments are stable.
Growing Dividend: QCRH is not paying a notable dividend for the US market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: QCRH is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of QCRH's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
2.3yrs
Average management tenure
CEO
Larry Helling (65 yo)
2.33yrs
Tenure
US$2,032,092
Compensation
Mr. Larry J. Helling has been the Chief Executive Officer of QCR Holdings, Inc. since May 23, 2019. Mr. Helling served as Executive Vice President and Chief Lending Officer of QCR Holdings, Inc. until May...
CEO Compensation Analysis
Compensation vs Market: Larry's total compensation ($USD2.03M) is about average for companies of similar size in the US market ($USD2.33M).
Compensation vs Earnings: Larry's compensation has increased by more than 20% in the past year.
Leadership Team
Experienced Management: QCRH's management team is considered experienced (2.3 years average tenure).
Board Members
Experienced Board: QCRH's board of directors are considered experienced (8.8 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
QCR Holdings, Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: QCR Holdings, Inc.
- Ticker: QCRH
- Exchange: NasdaqGM
- Founded: 1993
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$801.231m
- Shares outstanding: 15.77m
- Website: https://qcrh.q4ir.com
Number of Employees
Location
- QCR Holdings, Inc.
- 3551 7th Street
- Moline
- Illinois
- 61265
- United States
Listings
Biography
QCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. Its deposit products include noninterest-bearing demand, interest-bearin...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/09/18 22:03 |
| End of Day Share Price | 2021/09/17 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.