Qcr Holdings Inc
QCRH Nasdaq· State Commercial Banks
Last close · Oct 27, 2026
$102.76
KIRA · Stoqly’s AI analyst, in plain words
- Qcr Holdings Inc had $370M of revenue in fiscal 2025, up 6.4% on the year before. Over five years, revenue changed +3.4% a year on average.
- Qcr Holdings Inc made $127M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 14.8% a year.
- It earned 12.1% on shareholders’ money. Running costs took 58.3% of revenue (the efficiency ratio; lower is better).
Market cap
$1.7B
P/E
12.2x
Revenue
$370M
Net income
$127M
Return on equity
12.1%
Efficiency ratio
58.3%
Qcr Holdings Inc in 30 seconds · fiscal 2025
Are sales growing?
+6.4%
Yes. Sales grew 6.4% last year.
Does it make a profit?
34.4%
Yes. It keeps 34.4% of every sale as profit.
How lean are its costs?
58.3%
Average. Running costs take 58.3% of revenue.
How much does it earn on its capital?
12.1%
Good. It earns 12.1% a year on shareholders’ money.
How is the share priced?
12.2x
One share costs 12.2 times its yearly profit per share.
What Qcr Holdings Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- QCR HOLDINGS INC
- CIK
- 0000906465
Qcr Holdings Inc · QCRH
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $301M | $373M | $546M | $347M | $370M |
| Revenue growth | −3.7% | 24.2% | 46.3% | −36.4% | 6.4% |
| Net interest income | $178M | $231M | $221M | $232M | $255M |
| Net income | $98.9M | $99.1M | $114M | $114M | $127M |
| Net margin | 32.9% | 26.5% | 20.8% | 32.8% | 34.4% |
| Diluted EPS | $6.20 | $5.87 | $6.73 | $6.71 | $7.49 |
| Cash | |||||
| Cash from operations | $88.2M | $119M | $376M | $445M | $422M |
| Capital expenditure | $14.0M | $33.3M | $14.9M | $44.5M | $67.4M |
| Free cash flow | $74.2M | $85.4M | $361M | $400M | $354M |
| FCF margin | 24.7% | 22.9% | 66.2% | 115.2% | 95.8% |
| Share count change | −0.0% | 5.9% | −0.1% | 0.6% | 0.1% |
| Debt and strength | |||||
| Debt incl. finance leases | $3.8M | $130M | $1.5M | $1.8M | $2.7M |
| Loans, net | $4.6B | — | — | — | — |
| Deposits | $4.9B | $6.0B | $6.5B | $7.1B | $7.4B |
| Shareholders' equity | $677M | $773M | $887M | $997M | $1.1B |
| Returns and quality | |||||
| Return on equity | 15.6% | 13.7% | 13.7% | 12.1% | 12.1% |
| Return on tangible equity | 16.7% | 16.0% | 15.5% | 13.4% | 13.2% |
| Efficiency ratio | 51.1% | 50.9% | 38.6% | 59.8% | 58.3% |
| Piotroski F-score | 5 | 3 | 7 | 3 | 5 |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.9M
3 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Qcr Holdings Inc · QCRH
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $102.76 a share, the company is worth $1.7B: 12.2 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000906465). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.