ScoreWhy is QCR Holdings, Inc. ?
1
High Profitability with a Net Interest Margin of 5.44%
2
Flat results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at USD 83.96 MM
- DIVIDEND PAYOUT RATIO(Y) Lowest at 2.83%
3
With ROA of 0.81%, it has a very attractive valuation with a 1.24 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 13.78%, its profits have risen by 11.1% ; the PEG ratio of the company is 1
4
High Institutional Holdings at 82.15%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.82% over the previous quarter.
5
Consistent Returns over the last 3 years
- Along with generating 13.78% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to QCR Holdings, Inc. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is QCR Holdings, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
QCR Holdings, Inc.
-100.0%
1.78
28.20%
S&P 500
16.08%
0.62
19.30%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.80%
EBIT Growth (5y)
5.49%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
3.20%
Pledged Shares
0
Institutional Holding
82.15%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.24
EV to EBIT
12.52
EV to EBITDA
11.61
EV to Capital Employed
1.20
EV to Sales
3.27
PEG Ratio
0.95
Dividend Yield
0.29%
ROCE (Latest)
9.61%
ROE (Latest)
11.60%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at USD 68.35 MM
NET SALES(Q)
Highest at USD 127.49 MM
OPERATING PROFIT(Q)
Highest at USD 40.63 MM
PRE-TAX PROFIT(Q)
Highest at USD 40.63 MM
NET PROFIT(Q)
Highest at USD 37.47 MM
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 83.96 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 2.83%
Here's what is working for QCR Holdings, Inc.
NII
Highest at USD 68.35 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 127.49 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 40.63 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 40.63 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 37.47 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
CASA
Highest at 11.02%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for QCR Holdings, Inc.
Operating Cash Flow
Lowest at USD 83.96 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Dividend Payout Ratio
Lowest at 2.83%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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