NasdaqGM:QCRH

Stock Analysis Report

Executive Summary

QCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services.

Snowflake

Fundamentals

Flawless balance sheet and fair 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


Market Performance


7 Day Return

-1.7%

QCRH

-1.1%

US Banks

-0.6%

US Market


1 Year Return

-10.0%

QCRH

-6.8%

US Banks

0.7%

US Market

QCRH underperformed the Banks industry which returned -6.9% over the past year.

QCRH underperformed the Market in United States of America which returned 0.7% over the past year.


Share holder returns

QCRHIndustryMarket
7 Day-1.7%-1.1%-0.6%
30 Day10.7%10.7%4.9%
90 Day15.3%5.3%1.7%
1 Year-9.4%-10.0%-4.1%-6.8%3.0%0.7%
3 Year22.3%20.4%53.8%43.2%44.8%35.4%
5 Year122.8%117.0%63.8%46.1%62.0%44.3%

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

1 month ago | Simply Wall St

Don't Ignore The Fact That This Insider Just Sold Some Shares In QCR Holdings, Inc. (NASDAQ:QCRH)

Valuation

Is QCR Holdings undervalued based on future cash flows and its price relative to the stock market?

33%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

QCR Holdings's share price is below the future cash flow value, and at a moderate discount (> 20%).

QCR Holdings's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

QCR Holdings is good value based on earnings compared to the US Banks industry average.

QCR Holdings is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

QCR Holdings is poor value based on expected growth next year.


Price Based on Value of Assets

QCR Holdings is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is QCR Holdings expected to perform in the next 1 to 3 years based on estimates from 5 analysts?

3.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

QCR Holdings's revenue is expected to grow by 1.9% yearly, however this is not considered high growth (20% yearly).

QCR Holdings's earnings are expected to grow by 3.4% yearly, however this is not considered high growth (20% yearly).

QCR Holdings's revenue growth is positive but not above the United States of America market average.

QCR Holdings's earnings growth is positive but not above the United States of America market average.

QCR Holdings's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

QCR Holdings is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has QCR Holdings performed over the past 5 years?

27.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

QCR Holdings has delivered over 20% year on year earnings growth in the past 5 years.

QCR Holdings's 1-year earnings growth is less than its 5-year average (25.3% vs 27.7%)

QCR Holdings's earnings growth has not exceeded the US Banks industry average in the past year (25.3% vs 32%).


Return on Equity

QCR Holdings has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

QCR Holdings used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if QCR Holdings improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

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

Information is not available.

Information is not available.


Financial Institutions Analysis

QCR Holdings has an acceptable proportion of non-loan assets held.

QCR Holdings has a sufficient allowance for bad loans.

QCR Holdings's liabilities are made up of primarily low risk sources of funding.

QCR Holdings's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at QCR Holdings are broadly funded by customer deposits.

QCR Holdings has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is QCR Holdings's current dividend yield, its reliability and sustainability?

0.72%

Expected Dividend Yield


Dividend Yield and Payments Analysis

QCR Holdings's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.44%).

QCR Holdings's dividend is below the markets top 25% of dividend payers in United States of America (3.71%).

QCR Holdings is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.

QCR Holdings is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.


Current Payout to Shareholders

No need to calculate the sustainability of QCR Holdings's dividends as it is not paying a notable one for United States of America.


Future Payout to Shareholders

No need to calculate the sustainability of QCR Holdings's dividends in 3 years as they are not expected to pay a notable one for United States of America.


Next Steps

Management

What is the CEO of QCR Holdings's salary, the management and board of directors tenure and is there insider trading?

0.3yrs

Average management tenure


CEO

Larry Helling (63yo)

0.3yrs

Tenure

US$664,932

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

Larry's remuneration is lower than average for companies of similar size in United States of America.

Larry's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

0.3yrs

Average Tenure

59yo

Average Age

The average tenure for the QCR Holdings management team is less than 2 years, this suggests a new team.


Board Age and Tenure

10.3yrs

Average Tenure

61yo

Average Age

The average tenure for the QCR Holdings board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

QCR Holdings individual insiders have only sold shares in the past 3 months.


Recent Insider Transactions

SellUS$5,90829 Aug 19
John Anderson
EntityIndividual
Role
Unit Board Member
Executive VP & Chief Deposit Officer
Shares167
Max PriceUS$35.38
SellUS$58,50001 Aug 19
Robert Fulp
EntityIndividual
Role
Unit CEO
Chief Executive Officer of SFC Bank
Shares1,500
Max PriceUS$39.00
SellUS$19,28915 Mar 19
John Anderson
EntityIndividual
Role
Unit Board Member
Executive VP & Chief Deposit Officer
Shares564
Max PriceUS$34.20
BuyUS$13,85814 Dec 18
Elizabeth Grabin
EntityIndividual
Role
Chief Accounting Officer
Senior VP & Chief Accounting Officer
Shares410
Max PriceUS$33.80
BuyUS$670,29413 Dec 18
Michael Peterson
EntityIndividual
Shares20,000
Max PriceUS$33.51
BuyUS$86,66313 Dec 18
Todd Gipple
EntityIndividual
Role
Member of the Board of Directors
President
Shares2,564
Max PriceUS$33.80

Ownership Breakdown


Management Team

  • John Anderson (54yo)

    Executive VP & Chief Deposit Officer

    • Tenure: 0yrs
    • Compensation: US$463.01k
  • Mike Bauer (70yo)

    Co-Founder

    • Tenure: 0yrs
    • Compensation: US$899.26k
  • Larry Helling (63yo)

    CEO & Director

    • Tenure: 0.3yrs
    • Compensation: US$664.93k
  • Todd Gipple (55yo)

    President

    • Tenure: 10.3yrs
    • Compensation: US$801.67k
  • Rob Fulp

    Chief Executive Officer of SFC Bank

    • Tenure: 0yrs
    • Compensation: US$670.52k
  • Rand Westlund

    Chief Investment Officer & Executive VP

    • Tenure: 0yrs
  • Peter Benson

    Executive VP & Chief Legal Officer

    • Tenure: 0yrs
  • Chris Lindell

    EVP of Corporate Communications & Investor Relations and Corporate Secretary

    • Tenure: 0yrs
  • beth Grabin

    Senior VP & Chief Accounting Officer

    • Tenure: 0yrs
  • Reba Winter

    Chief Information Officer

    • Tenure: 0.2yrs

Board Members

  • John Anderson (54yo)

    Executive VP & Chief Deposit Officer

    • Tenure: 0yrs
    • Compensation: US$463.01k
  • Mike Bauer (70yo)

    Co-Founder

    • Tenure: 0yrs
    • Compensation: US$899.26k
  • Larry Helling (63yo)

    CEO & Director

    • Tenure: 0.3yrs
    • Compensation: US$664.93k
  • Pat Baird (65yo)

    Chairman of the Board

    • Tenure: 3.3yrs
    • Compensation: US$77.93k
  • Todd Gipple (55yo)

    President

    • Tenure: 10.3yrs
    • Compensation: US$801.67k
  • Mark Kilmer (60yo)

    Director

    • Tenure: 15.7yrs
    • Compensation: US$56.52k
  • Marie Ziegler (61yo)

    Vice Chairman of the Board

    • Tenure: 0yrs
    • Compensation: US$75.48k
  • Donna Sorensen (69yo)

    Independent Director

    • Tenure: 10.3yrs
    • Compensation: US$55.97k
  • George Ralph (59yo)

    Director

    • Tenure: 4.6yrs
    • Compensation: US$67.22k
  • Kurt Gibson

    CEO, President & Director of Community State Bank

    • Tenure: 0yrs

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$606.099m
  • Shares outstanding: 15.78m
  • Website: https://www.qcrh.com

Number of Employees


Location

  • QCR Holdings, Inc.
  • 3551 7th Street
  • Moline
  • Illinois
  • 61265
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
QCRHNasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDOct 1993

Biography

QCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. The company operates through Commercial Banking and Wealth Management se ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/09/22 23:37
End of Day Share Price2019/09/20 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.