QCR Holdings Inc (QCRH) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
QCR Holdings Inc stock (QCRH) is currently trading at $83.90. QCR Holdings Inc PE ratio is 10.90. QCR Holdings Inc PS ratio (Price-to-Sales) is 3.91. Analyst consensus price target for QCRH is $102.60. WallStSmart rates QCRH as Moderate Buy.
- QCRH PE ratio analysis and historical PE chart
- QCRH PS ratio (Price-to-Sales) history and trend
- QCRH intrinsic value — DCF, Graham Number, EPV models
- QCRH stock price prediction 2025 2026 2027 2028 2029 2030
- QCRH fair value vs current price
- QCRH insider transactions and insider buying
- Is QCRH undervalued or overvalued?
- QCR Holdings Inc financial analysis — revenue, earnings, cash flow
- QCRH Piotroski F-Score and Altman Z-Score
- QCRH analyst price target and Smart Rating
QCR Holdings Inc
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QCRH Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · QCR Holdings Inc (QCRH)
QCRH trades at a significant discount to its Graham intrinsic value of $283.42, offering a 68% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
QCR Holdings Inc (QCRH) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
QCR Holdings Inc (QCRH) Key Strengths (5)
Keeps $41 of every $100 in revenue after operating costs
Keeps $36 of every $100 in revenue as net profit
80.33% of shares held by major funds and institutions
Good growth relative to its price
Trading at 1.23x book value, attractively priced
Supporting Valuation Data
QCR Holdings Inc (QCRH) Areas to Watch (5)
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.91x sales
Solid revenue growth at 17.10% per year
Solid earnings growth at 19.40%
QCR Holdings Inc (QCRH) Detailed Analysis Report
Overall Assessment
This company scores 74/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.2/10) while 5 fall into concern territory (avg 5.6/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including PEG Ratio (1.02), Price/Book (1.23) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 41.30%, Profit Margin at 36.20%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (3.91) suggest expensive pricing. Growth concerns include Revenue Growth at 17.10%, EPS Growth at 19.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.10%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.10% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 17.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Profit Margin makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
QCRH Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
QCRH's Price-to-Sales ratio of 3.91x trades at a 18% premium to its historical average of 3.31x (64th percentile). The current valuation is 40% below its historical high of 6.49x set in Dec 2016, and 205% above its historical low of 1.28x in Dec 2010.
WallStSmart Analysis Synopsis
Data-driven financial summary for QCR Holdings Inc (QCRH) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
QCR Holdings Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 351M with 17% growth year-over-year. Profit margins are strong at 36.2%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1210.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 36.2% and operating margin of 41.3% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 30.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact QCR Holdings Inc.
Bottom Line
QCR Holdings Inc offers an attractive blend of growth (17% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About QCR Holdings Inc(QCRH)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
QCR Holdings, Inc., a multi-bank holding company, provides consumer and commercial banking services, trust and asset management services. The company is headquartered in Moline, Illinois.