QCR Holdings, Inc. (QCRH) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Inter & Co., Inc.

NBT Bancorp, Inc.

Stellar Bancorp, Inc.

Nicolet Bankshares, Inc.

QCR Holdings, Inc.

OFG Bancorp

Hope Bancorp, Inc.

City Holding Co.

The First Bancshares, Inc. (Mississippi)

Pathward Financial, Inc.

FB Financial Corp.

Why is QCR Holdings, Inc. ?

High Profitability with a Net Interest Margin of 5.44%

Positive results in Dec 25

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

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 10.24%, its profits have risen by 11.1% ; the PEG ratio of the company is 1

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.

Real-Time Research Report

Verdict Report

How 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.

12.93%

1.66

28.31%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

19.80%

EBIT Growth (5y)

5.49%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

3.20%

Pledged Shares

Institutional Holding

82.15%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

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%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

8What 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 periods

MOJO 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 periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 40.63 MM

in the last five periods

MOJO 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 periods

MOJO 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 periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

CASA

Highest at 11.02%

in the last five periods

MOJO 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 years

MOJO 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 years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)