QCR (QCRH)


Market Price (11/6/2026): $100.98 | Market Cap: $1.6 BilSector: Financials | Industry: Regional Banks

QCR (QCRH)


Market Price (11/6/2026): $100.98
Market Cap: $1.6 Bil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.6%, FCF Yield is 48%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 222%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 205%

Low stock price volatility
Vol 12M is 22%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Wealth Management Technology.

Trading close to highs
Dist 52W High is -5.0%, Dist 3Y High is -5.0%

Weak multi-year price returns
2Y Excs Rtn is -5.9%

Key risks
QCRH key risks include [1] successfully managing credit risk within its commercial real estate portfolio.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.6%, FCF Yield is 48%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 222%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 205%
2 Low stock price volatility
Vol 12M is 22%
3 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Wealth Management Technology.
4 Trading close to highs
Dist 52W High is -5.0%, Dist 3Y High is -5.0%
5 Weak multi-year price returns
2Y Excs Rtn is -5.9%
6 Key risks
QCRH key risks include [1] successfully managing credit risk within its commercial real estate portfolio.

QCRH in ETFs

Weight = QCRH's share of each fund

VTI0.00%
ITOT0.00%
IWM0.06%
KRE0.42%
AVUV0.11%
IWN0.11%
VTWO0.05%
DFAS0.04%
+5 more covered ETFs

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 11/1/2026

QCR (QCRH) stock has remained largely at the same level since 7/31/2026 because of the following key factors:

1. Mixed Fiscal Q3 2026 Earnings Performance Offered Balanced Signals.

QCR Holdings reported strong profitability in fiscal Q3 2026 (ended September 30, 2026), with diluted earnings per share (EPS) reaching a record $2.21, surpassing analyst consensus estimates of $2.09 per share. However, this positive was tempered by a revenue miss, as the company reported $99.17 million in revenue, falling short of analyst expectations of $108.8 million and representing a 2.25% year-over-year decline. This combination of an EPS beat and a revenue miss likely contributed to the stock remaining largely stable, as investors weighed strong earnings against revenue challenges.

2. Robust Net Interest Margin Expansion and Loan Growth Offset by Deposit Contraction.

The company demonstrated operational strengths, expanding its net interest margin (NIM) on a tax-equivalent yield basis by 3 basis points to 3.58% in fiscal Q3 2026. Concurrently, QCRH achieved strong annualized loan growth of 11% when excluding the planned m2 portfolio runoff, with total loans increasing by $167.0 million (or 9% annualized) from fiscal Q2 2026. This growth in core banking activities was partially counteracted by a decrease in total deposits, which fell from $7.4 billion at June 30, 2026, to $7.2 billion at September 30, 2026. The balance of these key banking metrics contributed to the stock's sideways movement.

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Updated on 11/1/2026

QCR (QCRH) stock has remained largely at the same level since 7/31/2026 because of the following key factors:

1. Mixed Fiscal Q3 2026 Earnings Performance Offered Balanced Signals.

QCR Holdings reported strong profitability in fiscal Q3 2026 (ended September 30, 2026), with diluted earnings per share (EPS) reaching a record $2.21, surpassing analyst consensus estimates of $2.09 per share. However, this positive was tempered by a revenue miss, as the company reported $99.17 million in revenue, falling short of analyst expectations of $108.8 million and representing a 2.25% year-over-year decline. This combination of an EPS beat and a revenue miss likely contributed to the stock remaining largely stable, as investors weighed strong earnings against revenue challenges.

2. Robust Net Interest Margin Expansion and Loan Growth Offset by Deposit Contraction.

The company demonstrated operational strengths, expanding its net interest margin (NIM) on a tax-equivalent yield basis by 3 basis points to 3.58% in fiscal Q3 2026. Concurrently, QCRH achieved strong annualized loan growth of 11% when excluding the planned m2 portfolio runoff, with total loans increasing by $167.0 million (or 9% annualized) from fiscal Q2 2026. This growth in core banking activities was partially counteracted by a decrease in total deposits, which fell from $7.4 billion at June 30, 2026, to $7.2 billion at September 30, 2026. The balance of these key banking metrics contributed to the stock's sideways movement.

3. Improved Asset Quality and Share Repurchases Provided Underlying Support.

QCR Holdings enhanced its asset quality in fiscal Q3 2026, with nonperforming assets (NPAs) declining to 0.39% of total assets, marking the lowest level in two years. Similarly, total criticized loans decreased to 1.67% of total loans and leases, their lowest percentage since 2019, reflecting effective credit management. Further supporting the stock, the company repurchased approximately $9.5 million of its common stock (94,861 shares) during the quarter, signaling management's confidence and providing a floor for the stock price.

4. Broader Regional Banking Sector Dynamics Created Both Tailwinds and Headwinds.

The regional banking sector experienced mixed signals, which likely influenced QCRH's stable trend. Regional banks generally benefited from a higher interest rate environment, contributing to net interest margin expansion as funding costs remained relatively low compared to lending rates. However, market sentiment was also shaped by expectations of at least one more Federal Reserve rate hike before the end of 2026, which, while boosting NIM, also raised concerns about its impact on commercial real estate economics and potential pressures on banks' book values from unrealized losses on bond portfolios. This combination of sector-wide positives and negatives likely contributed to a neutral market reaction for QCRH.

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Stock Movement Drivers

Fundamental Drivers

The -1.6% change in QCRH stock from 7/31/2026 to 11/5/2026 was primarily driven by a -7.5% change in the company's P/E Multiple.
(LTM values as of)731202611052026Change
Stock Price ($)102.80101.12-1.6%
Change Contribution By: 
Total Revenues ($ Mil)3743873.5%
Net Income Margin (%)36.1%36.7%1.8%
P/E Multiple12.711.7-7.5%
Shares Outstanding (Mil)17161.0%
Cumulative Contribution-1.6%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2026 to 11/5/2026
ReturnCorrelation
QCRH-1.6% 
Market (SPY)-1.9%27.3%
Sector (XLF)1.0%61.9%

Fundamental Drivers

The 12.1% change in QCRH stock from 4/30/2026 to 11/5/2026 was primarily driven by a 7.5% change in the company's Total Revenues ($ Mil).
(LTM values as of)430202611052026Change
Stock Price ($)90.19101.1212.1%
Change Contribution By: 
Total Revenues ($ Mil)3603877.5%
Net Income Margin (%)35.3%36.7%3.9%
P/E Multiple11.911.7-1.2%
Shares Outstanding (Mil)17161.6%
Cumulative Contribution12.1%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2026 to 11/5/2026
ReturnCorrelation
QCRH12.1% 
Market (SPY)2.3%18.5%
Sector (XLF)10.7%55.5%

Fundamental Drivers

The 36.5% change in QCRH stock from 10/31/2025 to 11/5/2026 was primarily driven by a 17.3% change in the company's Total Revenues ($ Mil).
(LTM values as of)1031202511052026Change
Stock Price ($)74.06101.1236.5%
Change Contribution By: 
Total Revenues ($ Mil)33038717.3%
Net Income Margin (%)34.2%36.7%7.3%
P/E Multiple11.111.75.7%
Shares Outstanding (Mil)17162.7%
Cumulative Contribution36.5%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 11/5/2026
ReturnCorrelation
QCRH36.5% 
Market (SPY)8.4%29.5%
Sector (XLF)11.1%55.9%

Fundamental Drivers

The 115.6% change in QCRH stock from 10/31/2023 to 11/5/2026 was primarily driven by a 73.6% change in the company's P/E Multiple.
(LTM values as of)1031202311052026Change
Stock Price ($)46.90101.12115.6%
Change Contribution By: 
Total Revenues ($ Mil)32738718.2%
Net Income Margin (%)35.4%36.7%3.7%
P/E Multiple6.811.773.6%
Shares Outstanding (Mil)17161.3%
Cumulative Contribution115.6%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2023 to 11/5/2026
ReturnCorrelation
QCRH115.6% 
Market (SPY)81.3%43.4%
Sector (XLF)85.5%62.4%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
QCRH Return42%-11%18%39%4%22%162%
Peers Return21%-38%-12%-30%-16%-12%-66%
S&P 500 Return27%-19%24%23%16%12%105%

Monthly Win Rates [3]
QCRH Win Rate67%42%58%67%50%55% 
Peers Win Rate60%50%50%33%56%59% 
S&P 500 Win Rate75%42%67%75%67%45% 

Max Drawdowns [4]
QCRH Max Drawdown-11%-24%-33%-14%-22%-15% 
Peers Max Drawdown-24%-46%-55%-43%-43%-46% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, GBC, NARA, SHFS.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 11/5/2026 (YTD)

How Low Can It Go

EventQCRHS&P 500
2025 US Tariff Shock
  % Loss-17.4%-18.8%
  % Gain to Breakeven21.0%23.1%
  Time to Breakeven133 days79 days
2023 SVB Regional Banking Crisis
  % Loss-31.4%-6.7%
  % Gain to Breakeven45.8%7.1%
  Time to Breakeven95 days31 days
2020 COVID-19 Crash
  % Loss-45.1%-33.7%
  % Gain to Breakeven82.1%50.9%
  Time to Breakeven284 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-24.6%-19.2%
  % Gain to Breakeven32.6%23.8%
  Time to Breakeven308 days105 days
2010 Eurozone Sovereign Debt Crisis / Flash Crash
  % Loss-12.6%-15.4%
  % Gain to Breakeven14.4%18.2%
  Time to Breakeven639 days125 days
2008-2009 Global Financial Crisis
  % Loss-47.7%-53.4%
  % Gain to Breakeven91.4%114.4%
  Time to Breakeven1198 days1085 days

Compare to FITB, MTB, HBAN, CFG, RF

In The Past

QCR's stock fell -17.4% during the 2025 US Tariff Shock. Such a loss loss requires a 21.0% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventQCRHS&P 500
2023 SVB Regional Banking Crisis
  % Loss-31.4%-6.7%
  % Gain to Breakeven45.8%7.1%
  Time to Breakeven95 days31 days
2020 COVID-19 Crash
  % Loss-45.1%-33.7%
  % Gain to Breakeven82.1%50.9%
  Time to Breakeven284 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-24.6%-19.2%
  % Gain to Breakeven32.6%23.8%
  Time to Breakeven308 days105 days
2008-2009 Global Financial Crisis
  % Loss-47.7%-53.4%
  % Gain to Breakeven91.4%114.4%
  Time to Breakeven1198 days1085 days

Compare to FITB, MTB, HBAN, CFG, RF

In The Past

QCR's stock fell -17.4% during the 2025 US Tariff Shock. Such a loss loss requires a 21.0% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About QCR (QCRH)

QCR Holdings, Inc. (QCRH) functions as a multi-bank holding company, delivering a broad range of financial services. The company's primary focus is on providing commercial and consumer banking services, complemented by trust and asset management offerings to its client base.

QCRH's main products and services encompass various deposit accounts, including noninterest-bearing and interest-bearing demand, time, and brokered deposits. On the lending side, the company offers commercial loans such as lines of credit for operational purposes and term loans for asset acquisition to small and mid-sized businesses. It also provides commercial and residential real estate loans, alongside a suite of consumer loans like home equity, auto, and personal loans. Additionally, QCRH engages in leasing machinery and equipment to commercial and industrial businesses through direct financing leases and offers investment services.

The company caters to a diverse set of customers, including corporations, partnerships, individuals, and government agencies, with a notable emphasis on small and mid-sized businesses. QCRH's operations are geographically concentrated in the Quad Cities, Cedar Rapids, Cedar Valley, Des Moines/Ankeny, and Springfield communities, primarily serving markets within Illinois and Iowa.

AI Analysis | Feedback

Here are 1-3 brief analogies to describe QCR Holdings, Inc. (QCRH):

  • A regional version of U.S. Bancorp, serving communities in Illinois and Iowa.
  • KeyCorp for Midwest communities.

AI Analysis | Feedback

  • Deposit Products: Offers various types of accounts including noninterest-bearing demand, interest-bearing demand, time, and brokered deposits.
  • Lending Services: Provides a range of loans for businesses (working capital, equipment acquisition), real estate (commercial, residential), and consumers (home improvement, auto, personal).
  • Leasing Services: Engages in direct financing leases for machinery and equipment to commercial and industrial businesses.
  • Trust Services: Delivers services related to the management of trusts for clients.
  • Asset Management Services: Provides professional management of assets for individuals and entities.
  • Investment Services: Offers various services related to investments.
  • Issuance of Trust Preferred Securities: Involves the creation and sale of trust preferred securities.

AI Analysis | Feedback

QCR Holdings, Inc. (QCRH) is a multi-bank holding company that provides commercial and consumer banking, and trust and asset management services. As such, it primarily serves a diverse base of individuals and businesses rather than having a few "major customers" that are other public companies. Based on its business description, QCRH serves the following categories of customers:

  1. Commercial and Business Clients: This category includes small and mid-sized businesses, corporations, partnerships, and government agencies. These clients utilize services such as business loans (lines of credit, term loans), commercial real estate loans, equipment leasing, and various deposit products.
  2. Individual Consumers: This category comprises individuals seeking a range of consumer banking products and services. This includes consumer loans like home improvement, home equity, motor vehicle, and signature loans, as well as small personal credit lines and various deposit products.
  3. Wealth Management and Trust Clients: This segment includes individuals and entities that utilize QCRH's specialized trust and asset management services, seeking investment guidance, wealth planning, and fiduciary services.

AI Analysis | Feedback

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Todd A. Gipple, President and Chief Executive Officer

Mr. Gipple is a Certified Public Accountant (inactive) who began his career with KPMG Peat Marwick in 1985. In 1991, KPMG's Quad Cities practice was acquired by McGladrey & Pullen, where he became a Tax Partner in 1994, specializing in Financial Institutions Taxation and Mergers and Acquisitions. He joined QCR Holdings in January 2000 and assumed the role of President and Chief Executive Officer in May 2025, following the retirement of Larry J. Helling. Prior to this, he served as Chief Financial Officer, Chief Operating Officer, and President of QCR Holdings. Mr. Gipple also serves as a Director of Quad City Bank & Trust and Guaranty Bank. He is an active community leader, having served on various local boards and executive committees.

Nick W. Anderson, Senior Vice President, Chief Financial Officer

Mr. Anderson is a Certified Public Accountant who began his banking career as a teller. He has spent 20 years with QCR Holdings, serving in multiple positions within the accounting team. From late 2019 until May 2025, he was the Chief Accounting Officer, responsible for all internal and external financial reporting. He previously held the Chief Financial Officer role for the company's Quad City Bank and Trust subsidiary. He was appointed Chief Financial Officer of QCR Holdings in May 2025.

Robert M. Eby, Executive Vice President, Chief Credit Officer

Mr. Eby serves as Executive Vice President and Chief Credit Officer of QCR Holdings. He previously held the position of Executive Vice President and Chief Credit Officer for Quad City Bank & Trust from May 2015 to May 2019. Before joining Quad City Bank & Trust, he was President of Galena State Bank from January 2013 to May 2015 and a Credit Officer at Heartland Financial USA from February 2006 to January 2013.

Reba K. Winter, Executive Vice President, Chief Operating Officer

Ms. Winter is the Chief Operating Officer for QCR Holdings. She is an experienced senior information technology leader with extensive background in IT strategy, business intelligence, security, and cloud computing. Ms. Winter holds an MBA from the University of Iowa and a BA in Chemistry from Coe College.

Nicole (Niki) A. Lee, Executive Vice President, Chief Human Resources Officer

Ms. Lee serves as Executive Vice President, Chief Human Resources Officer for QCR Holdings, Inc. No further detailed background information is available in the provided search results.

AI Analysis | Feedback

The key risks to QCR Holdings, Inc. (QCRH) are as follows:
  1. Economic Downturn and Credit Risk: As a multi-bank holding company with a significant loan portfolio encompassing commercial, real estate, and consumer loans, QCRH is highly exposed to economic fluctuations in its operating regions. A downturn in the local or broader economy could lead to increased loan defaults, delinquencies, and charge-offs across its diverse lending segments, directly impacting asset quality and profitability.
  2. Interest Rate Fluctuations: QCRH's profitability is substantially influenced by its net interest margin, which represents the difference between interest earned on its interest-bearing assets and interest paid on its interest-bearing liabilities. Significant and sustained adverse movements in market interest rates, such as a rapid increase in funding costs not matched by loan yield adjustments or a compression of lending spreads, could reduce the company's net interest income and overall earnings.

AI Analysis | Feedback

1. The emergence and rapid growth of **digital-only banks (neobanks) and specialized fintech lenders**. These entities leverage technology to offer competitive deposit rates, lower fees, and highly convenient, mobile-first banking experiences for both consumers and small to mid-sized businesses. This directly threatens QCRH's ability to attract and retain deposit customers and compete for commercial and consumer lending business, particularly among clients who prioritize digital convenience over physical branch presence.

2. The rise of **robo-advisors and low-cost digital wealth management platforms**. These services offer automated, algorithm-driven investment and asset management solutions at significantly lower costs than traditional trust and asset management services. This trend poses a clear threat to QCRH's trust and asset management division, potentially eroding fee income by attracting clients seeking more cost-effective and accessible investment options.

AI Analysis | Feedback

The addressable markets for QCR Holdings, Inc.'s main products and services, primarily within Illinois and Iowa, are detailed below. When state-specific data for a product or service was not available, national market sizes are provided for context, with the region clearly indicated.

Commercial and Consumer Banking

  • Commercial Lending/Banking:
    • In Illinois, the commercial real estate market generated approximately $42 billion in annual transaction volume.
    • The Commercial Banking industry market size in Iowa is estimated at $16.7 billion in 2026.
    • Iowa banks provided nearly $92 billion in loans in 2025.
  • Consumer Lending/Banking:
    • Illinois new home loans booked in 2024 amounted to $28.9 billion.
    • In 2019, Illinois consumers incurred $607.4 million in total fees and interest from over 1 million payday loans, installment payday loans, auto-title loans, and small consumer loans, before the implementation of the Predatory Loan Prevention Act.
    • Total deposits held by Iowa banks were $110.8 billion at year-end 2025.

Trust and Asset Management Services

  • In Illinois, the Portfolio Management & Investment Advice industry is projected to be $28.7 billion in 2026.
  • The Real Estate Asset Management & Consulting industry in Illinois is estimated at $6.1 billion in 2026.
  • The United States asset management market, in terms of Assets Under Management (AUM), is projected to be $70.97 trillion in 2026.
  • Globally, the asset management services market size is predicted to increase from $1,255.99 billion in 2026 to approximately $15,321.62 billion by 2035.

Leasing of Machinery and Equipment

  • The Industrial Equipment Rental & Leasing industry in Illinois is estimated at $2.8 billion in 2026.
  • The Heavy Equipment Rental industry in Illinois is projected to reach $4.1 billion in 2026.
  • In Iowa, the Industrial Equipment Rental & Leasing industry is estimated at $502.3 million in 2026.
  • The Heavy Equipment Rental industry in Iowa is projected to be $456.1 million in 2026.
  • The overall equipment leasing and finance industry in the United States reached $1.34 trillion in 2023.

AI Analysis | Feedback

Here are the expected drivers of future revenue growth for QCR Holdings, Inc. (QCRH) over the next 2-3 years:
  1. Robust Loan Growth: QCR Holdings anticipates continued strong loan growth, with guidance indicating 8-10% gross annualized loan growth in Q1 2026, increasing to 10-15% for the remainder of 2026. This growth is expected from both traditional banking and its Low-Income Housing Tax Credit (LIHTC) lending businesses.
  2. Expanding Capital Markets Revenue: The company has demonstrated strong performance in capital markets, largely driven by LIHTC activity and securitizations. QCR Holdings has raised its capital markets revenue guidance to a range of $55 million to $70 million over the next four quarters, with a target of $300-$350 million in LIHTC loan securitization by mid-2026.
  3. Growth in Wealth Management Services: QCR Holdings is focused on expanding its wealth management business, which has shown consistent revenue growth, including an 11% increase for the full year 2025 and an 8% increase in Q3 2025. This segment is a strategic area for continued growth.
  4. Net Interest Margin (NIM) Expansion: The company expects ongoing expansion of its net interest margin, which has already seen increases (e.g., 6 basis points in Q4 2025). This is driven by effective management of its liability-sensitive balance sheet, strong loan growth, and higher asset yields, contributing to increased net interest income.
  5. Digital Transformation Initiatives: Investments in digital transformation are aimed at enhancing operational efficiency, service delivery, and cost structure. While primarily an efficiency driver, these improvements are expected to indirectly support revenue growth by improving productivity and allowing for scalable operations to support increased business volumes.

AI Analysis | Feedback

Share Repurchases

  • QCR Holdings completed a share repurchase tranche between October 20, 2025, and December 31, 2025, buying back 149,456 shares for $11.6 million.
  • For the full year 2025, the Company returned $21.6 million to shareholders through the repurchase of approximately 279 thousand shares.
  • A new share repurchase program was authorized in October 2025, providing a flexible capital allocation tool for future share repurchases.

Share Issuance

  • On March 3, 2026, an executive acquired 116 shares of common stock at $75.04 per share through derivative exercise.
  • On March 2, 2026, a director was granted 387 shares of common stock at $87.99 per share.
  • The number of QCR Holdings' shares outstanding decreased by 0.6% in the fourth quarter of 2025.

Inbound Investments

  • Victory Capital Management Inc. significantly increased its stake in QCR Holdings during the third quarter, adding 351,145 shares to hold a total of 400,229 shares valued at approximately $30.27 million.

Capital Expenditures

  • QCR Holdings invested $24.6 million in capital expenditures in the fourth quarter of 2025, representing a 56.2% increase from the prior quarter, primarily funding long-term assets and infrastructure.
  • Annual capital expenditures were $4.39 million in 2025, $6.03 million in 2024, $5.76 million in 2023, $11 million in 2022, and $9.87 million in 2021.
  • For Q1 2026, noninterest expense growth guidance is set between $55 million and $58 million, which includes anticipated digital investments and infrastructure development aimed at surpassing $10 billion in assets.

Peer Outperformance in Regional Banks

QCRH has outperformed 71% of its 262 Regional Banks peers over 5Y. Among the peers that beat it are FBP, BPOP and SRCE. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that QCRH has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
54%
of 281 industry peers · 31.8% return
3Y
64%
of 273 industry peers · 102.2% return
5Y
71%
of 262 industry peers · 72.2% return
Regional Banks peers with revenue growth within 4pp of QCRH's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
QCRH QCR 6.1% 11.7x 31.8%102.2%72.2% —
FBP First BanCorp 2.9% 10.7x 33.9%101.1%117.2% +45pp
BPOP Popular 2.8% 10.3x 41.4%144.6%117.1% +45pp
SRCE 1st Source 7.5% 11.8x 46.3%95.9%95.9% +24pp
Price returns, excluding dividends. P/E shown for context only and not used for matching.
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is QCRH's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
Property & Casualty Insurance 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
Regional Banks ← 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
Consumer Finance 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

QCRHNEWTATLOGBCNARASHFSMedian
NameQCR NewtekOneAmes Nat.Georgia .Narragan.SHF  
Mkt Price100.9810.6034.0033.7710.860.0422.32
Mkt Cap1.70.30.3---0.3
Rev LTM38727773-130-203
Op Inc LTM-------
FCF LTM793-74021-7-14
FCF 3Y Avg503-37317---17
CFO LTM859-73922-11-17
CFO 3Y Avg553-37319---19

Growth & Margins

QCRHNEWTATLOGBCNARASHFSMedian
NameQCR NewtekOneAmes Nat.Georgia .Narragan.SHF  
Rev Chg LTM17.3%7.8%21.3%---17.3%
Rev Chg 3Y Avg6.1%26.8%8.1%---8.1%
Rev Chg Q16.2%7.0%18.5%---16.2%
QoQ Delta Rev Chg LTM3.5%1.7%4.3%---3.5%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM221.9%-267.4%30.3%-8.5%-19.4%
CFO/Rev 3Y Avg153.2%-138.6%30.2%---30.2%
FCF/Rev LTM204.8%-267.5%28.9%-5.5%-17.2%
FCF/Rev 3Y Avg139.4%-138.7%27.9%---27.9%

Valuation

QCRHNEWTATLOGBCNARASHFSMedian
NameQCR NewtekOneAmes Nat.Georgia .Narragan.SHF  
Mkt Cap1.70.30.3---0.3
P/S4.31.14.2---4.2
P/Op Inc-------
P/EBIT-------
P/E11.74.613.1---11.7
P/CFO1.9-0.413.7---1.9
Total Yield8.8%31.6%10.2%---10.2%
Dividend Yield0.3%10.0%2.6%---2.6%
FCF Yield 3Y Avg38.5%-103.1%8.5%---8.5%
D/E0.41.80.1---0.4
Net D/E0.20.6-1.6---0.2

Returns

QCRHNEWTATLOGBCNARASHFSMedian
NameQCR NewtekOneAmes Nat.Georgia .Narragan.SHF  
1M Rtn2.0%-5.3%5.4%-11.8%0.6%-94.8%-2.4%
3M Rtn-3.1%-27.9%9.0%-11.8%0.6%-98.3%-7.4%
6M Rtn10.7%-20.1%20.8%-11.8%0.6%-99.3%-5.6%
12M Rtn31.7%7.5%64.7%-11.8%0.6%-99.9%4.0%
3Y Rtn101.9%-15.6%114.9%-11.8%0.6%-100.0%-5.6%
1M Excs Rtn5.0%-1.7%8.1%-10.3%2.0%-92.1%0.2%
3M Excs Rtn-1.7%-19.4%10.5%-10.9%1.4%-97.0%-6.3%
6M Excs Rtn5.9%-24.8%16.0%-16.6%-4.2%-105.9%-10.4%
12M Excs Rtn19.8%-5.9%55.1%-25.3%-13.0%-118.5%-9.4%
3Y Excs Rtn32.1%-90.5%42.6%-95.2%-82.7%-214.6%-86.6%

Comparison Analyses

null

Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Cedar Rapids Bank & Trust (CRBT)152145161118129
All Other143128127120119
Quad City Bank & Trust (QCBT)10092858789
Guaranty Bank (GB)7776757238
Community State Bank (CSB)5877494644
Intercompany Eliminations-159-145-142-132-119
Total370373354312301


Operating Income by Segment
$ Mil2003
Commercial Banking5
Merchant credit card processing1
Trust managment0
All other-1
Total5


Net Income by Segment
$ Mil20252024202320222021
All Other12911611610099
Cedar Rapids Bank & Trust (CRBT)7772725455
Quad City Bank & Trust (QCBT)3522223435
Guaranty Bank (GB)2426252415
Community State Bank (CSB)2020181713
Intercompany Eliminations-157-142-140-130-118
Total1271141149999


Assets by Segment
$ Mil20252024202320222021
Cedar Rapids Bank & Trust (CRBT)2,8562,6152,4192,1862,030
Quad City Bank & Trust (QCBT)2,7052,5892,4492,3122,142
Guaranty Bank (GB)2,4122,3432,2812,146883
Community State Bank (CSB)1,7171,5321,4261,2981,169
All Other1,4661,3331,2141,086845
Intercompany Eliminations-1,581-1,384-1,251-1,079-973
Total9,5759,0268,5397,9496,096


Price Behavior

Price Behavior
Market Price$101.12 
Market Cap ($ Bil)1.7 
First Trading Date10/06/1993 
Distance from 52W High-5.0% 
   50 Days200 Days
DMA Price$100.47$94.60
DMA Trenddownup
Distance from DMA0.7%6.9%
 3M1YR
Volatility19.2%22.2%
Downside Capture12.8243.75
Upside Capture13.9774.29
Correlation (S&P 500)9.4%28.0%
QCRH Betas & Captures as of 10/31/2026

 1M2M3M6M1Y3Y
Beta-0.320.080.220.180.470.80
Up Beta-2.12-0.510.26-0.230.290.71
Down Beta-0.01-0.25-0.24-0.230.090.77
Up Capture-6%34%26%50%74%80%
Bmk +ve Days12182862130427
Stock +ve Days11192761129383
Down Capture-60%16%41%35%59%94%
Bmk -ve Days10253664121325
Stock -ve Days11243765122365

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with QCRH
QCRH33.6%22.2%1.21-
Sector ETF (XLF)11.1%15.2%0.4756.1%
Equity (SPY)9.5%13.6%0.4130.0%
Gold (GLD)3.6%28.7%0.113.4%
Commodities (DBC)37.7%21.2%1.40-29.9%
Real Estate (VNQ)12.0%14.2%0.5540.7%
Bitcoin (BTCUSD)-20.8%43.3%-0.426.6%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with QCRH
QCRH14.2%29.0%0.47-
Sector ETF (XLF)9.1%18.4%0.3661.3%
Equity (SPY)11.3%17.3%0.4846.1%
Gold (GLD)17.5%19.1%0.74-0.8%
Commodities (DBC)8.0%19.6%0.292.8%
Real Estate (VNQ)1.2%18.9%-0.0546.4%
Bitcoin (BTCUSD)5.9%51.5%0.2917.8%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with QCRH
QCRH12.8%33.2%0.44-
Sector ETF (XLF)13.3%22.1%0.5470.7%
Equity (SPY)14.9%18.0%0.7053.8%
Gold (GLD)12.0%16.5%0.59-4.1%
Commodities (DBC)7.6%18.1%0.3314.8%
Real Estate (VNQ)5.7%20.7%0.2353.3%
Bitcoin (BTCUSD)61.3%66.2%1.0114.8%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date10152026
Short Interest: Shares Quantity0.5 Mil
Short Interest: % Change Since 9302026-6.3%
Average Daily Volume0.1 Mil
Days-to-Cover Short Interest4.2 days
Basic Shares Quantity16.5 Mil
Short % of Basic Shares3.1%

Earnings Returns History

Updated 10/29/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/20/20260.1%3.4% 
7/22/20261.2%6.9%5.0%
4/22/2026-0.5%1.7%2.4%
1/27/20261.5%4.6%1.8%
10/22/20253.2%2.3%6.9%
7/23/2025-1.2%-4.6%0.2%
4/22/2025-2.5%-3.5%1.1%
1/22/2025-2.0%-3.2%-5.4%
...
SUMMARY STATS   
# Positive171618
# Negative896
Median Positive2.1%4.6%5.5%
Median Negative-2.2%-3.5%-4.0%
Max Positive7.2%14.9%26.6%
Max Negative-6.6%-11.8%-8.3%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/20/20260.1%3.4% 
7/22/20261.2%6.9%5.0%
4/22/2026-0.5%1.7%2.4%
1/27/20261.5%4.6%1.8%
10/22/20253.2%2.3%6.9%
7/23/2025-1.2%-4.6%0.2%
4/22/2025-2.5%-3.5%1.1%
1/22/2025-2.0%-3.2%-5.4%
10/23/20240.1%4.2%16.5%
7/24/20246.9%8.8%2.5%
4/23/20240.4%-5.8%1.4%
1/23/20246.7%9.4%-0.4%
10/25/20232.4%0.8%8.7%
7/26/20233.7%5.4%6.3%
4/26/20234.6%-3.2%1.9%
1/24/20232.0%6.4%9.0%
10/26/2022-6.6%-11.8%-6.7%
7/26/20220.4%-0.7%0.9%
4/26/2022-2.7%-2.3%-2.5%
1/25/2022-2.9%-5.2%-8.3%
10/27/20212.1%13.3%6.1%
7/26/20211.4%2.9%6.1%
4/27/2021-1.0%0.3%-2.5%
1/27/20213.0%4.6%8.2%
10/27/20207.2%14.9%26.6%
SUMMARY STATS   
# Positive171618
# Negative896
Median Positive2.1%4.6%5.5%
Median Negative-2.2%-3.5%-4.0%
Max Positive7.2%14.9%26.6%
Max Negative-6.6%-11.8%-8.3%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/08/202610-Q
12/31/202502/27/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202402/28/202510-K
09/30/202411/08/202410-Q
06/30/202408/08/202410-Q
03/31/202405/09/202410-Q
12/31/202302/29/202410-K
09/30/202311/08/202310-Q
06/30/202308/08/202310-Q
03/31/202305/09/202310-Q
12/31/202203/01/202310-K
09/30/202211/08/202210-Q
Collapse to Preview
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/08/202610-Q
12/31/202502/27/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202402/28/202510-K
09/30/202411/08/202410-Q
06/30/202408/08/202410-Q
03/31/202405/09/202410-Q
12/31/202302/29/202410-K
09/30/202311/08/202310-Q
06/30/202308/08/202310-Q
03/31/202305/09/202310-Q
12/31/202203/01/202310-K
09/30/202211/08/202210-Q
06/30/202208/08/202210-Q
03/31/202205/09/202210-Q
12/31/202103/11/202210-K
09/30/202111/05/202110-Q
06/30/202108/06/202110-Q
03/31/202105/07/202110-Q
12/31/202003/12/202110-K
09/30/202011/06/202010-Q
06/30/202008/07/202010-Q
03/31/202005/08/202010-Q
12/31/201903/13/202010-K
09/30/201911/08/201910-Q

Recent Forward Guidance

Updated 11/2/2026

Latest: Q3 2026 Earnings Reported 10/20/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
Q4 2026 Gross Loan Growth (Annualized)Reported10.0%12.5%15.0%   
Q4 2026 Capital Markets RevenueReported18.00 Mil19.00 Mil20.00 Mil   
Q4 2026 Noninterest ExpenseReported54.00 Mil55.50 Mil57.00 Mil  AffirmedGuidance: 55.50 Mil for Q3 2026
Q4 2026 Effective Tax RateReported8.0%9.0%10.0%   


Prior: Q2 2026 Earnings Reported 7/22/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
2026 Gross Loan GrowthReported10.0%12.5%15.0% 0.0%AffirmedGuidance: 12.5% for 2026
2027 Capital Markets RevenueReported60.00 Mil65.00 Mil70.00 Mil  Affirmed
Q3 2026 Noninterest ExpenseReported54.00 Mil55.50 Mil57.00 Mil  Lowered

Q1 2026 Earnings Reported 4/22/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
Q2 2026 NIM TEYReported000 0.1%Higher NewGuidance: 0 for Q1 2026
Q2 2026 Noninterest ExpenseReported55.00 Mil56.50 Mil58.00 Mil0 Same NewGuidance: 56.50 Mil for Q1 2026
2026 Gross Loan GrowthReported10.0%12.5%15.0% 0AffirmedGuidance: 12.5% for 2026
2026 Capital Markets RevenueReported60.00 Mil65.00 Mil70.00 Mil4.0% RaisedGuidance: 62.50 Mil for 2026

Insider Activity

Updated 8/5/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Ekizian, Laura LPresident & CEO, QCBTDirectSell610202694.9675071,220578,591Form
2Reasner, Amy L DirectBuy610202690.25605,415132,790Form
3Klein, James DPresident, CRBTDirectSell608202660.7442825,99718,829Form
4Klein, James DPresident, CRBTDirectSell430202691.0031028,21038,948Form
5Reasner, Amy L DirectBuy424202688.351008,835124,694Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Ekizian, Laura LPresident & CEO, QCBTDirectSell610202694.9675071,220578,591Form
2Reasner, Amy L DirectBuy610202690.25605,415132,790Form
3Klein, James DPresident, CRBTDirectSell608202660.7442825,99718,829Form
4Klein, James DPresident, CRBTDirectSell430202691.0031028,21038,948Form
5Reasner, Amy L DirectBuy424202688.351008,835124,694Form
6Klein, James DPresident, CRBTDirectSell312202682.5055445,70560,885Form
7Gipple, Todd APresident & CFODirectSell202202689.928,590772,4374,037,714Form
8Ekizian, Laura LPresident & CEO, QCBTDirectSell905202580.0033326,640450,560Form
9Ekizian, Laura LPresident & CEO, QCBTDirectSell827202580.001,00080,000477,200Form

Investor Activity (13F)

Updated Nov 6, 2026
13F holdings as of Mar 31, 2026 (Q1 2026)

Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

Active ManagerValue% of PortfolioTotal PositionsQoQFiling
Endeavour Capital Advisors Inc$35.0 Mil7.9%42ADD +24.7%13F
Rhino Investment Partners, Inc$11.4 Mil3.2%39ADD +122.1%13F
Active ManagerValue% of PortfolioTotal PositionsQoQFiling
Rhino Investment Partners, Inc$11.4 Mil3.2%39ADD +122.1%13F
Endeavour Capital Advisors Inc$35.0 Mil7.9%42ADD +24.7%13F
Active Manager
Active ManagerValue% of PortfolioTotal PositionsQoQFiling
Endeavour Capital Advisors Inc$35.0 Mil7.9%42ADD +24.7%13F
Rhino Investment Partners, Inc$11.4 Mil3.2%39ADD +122.1%13F
Core Cache Last Updated: 11/5/2026