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what it is
It takes your deposits, makes loans to local businesses and homeowners, and collects the spread between the two.
how it gets paid
Last year Qcr made $489M in revenue.
why it's growing
Revenue grew 1.6% last year. The number that mattered was EPS of $5.38 because it was 149% above the prior year quarter.
what just happened
Latest quarter EPS hit $5.38, up 149% vs. prior year, on revenue of $362 million.
At a glance
B+ balance sheet — decent shape, but not bulletproof
85/100 earnings predictability — you can trust these numbers
12.5x trailing p/e — the market's not buying it — or you found a deal
0.5% dividend yield — cash in your pocket every quarter
$7.51 fy2025 eps est
xvary composite: 66/100 — average
What they do
It takes your deposits, makes loans to local businesses and homeowners, and collects the spread between the two.
This bank wins the old-fashioned way: relationships and cheap funding. QCRH had $7.4 billion of deposits against $7.2 billion of loans at December 31, 2025, across just 36 locations. Deposits (customer money the bank can lend) → low-cost fuel for lending → so what: if your funding is sticky, you do not have to overpay for growth.
How they make money
$489M
annual revenue · their business grew +1.6% last year
total revenue
$489M
+1.6%
The products that matter
business lending and treasury services
Commercial Banking
core driver · 8–10% loan growth target
this is the main engine behind a bank that produced $489M in annual revenue. if management misses the 8–10% loan growth target, the whole growth story gets thinner fast.
growth engine
fee-based wealth services
Trust & Asset Management
part of $122M noninterest income
fee revenue matters because it is supposed to diversify the bank away from pure rate sensitivity. last year, noninterest income fell 8%, which is the opposite of what you want from the stabilizer.
diversifier
deposits and personal banking
Consumer Banking
funding base for $367M interest income
consumer deposits are not the headline, but they help fund the loan book that generated $367M in net interest income. for a regional bank, cheap funding is the quiet part.
funding base
Key numbers
12.5x
trailing p/e
P/E (price-to-earnings, or how many dollars you pay for $1 of profit) → 12.5x is cheap for a bank with 85 earnings predictability → so what: you are not paying a hype price.
$7.51
fy2025 eps
EPS (earnings per share, or profit for each share you own) → analysts expect $7.51 → so what: at $94.24, the stock trades around 12.5 times that profit stream.
85
earnings predictability
Earnings predictability (how steady profits have been over time) → 85 is solid → so what: this is not a lottery-ticket bank.
29%
debt to capital
Long-term debt was $568 million, or 29% of capital. Debt to capital (borrowings as a share of permanent funding) → below one-third → so what: leverage looks contained, not reckless.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 2 — safer than 80% of stocks
- price stability 75 / 100
- long-term debt $568M (29% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for QCRH right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Latest quarter EPS hit $5.38, up 149% vs. prior year, on revenue of $362 million.
That quarter was far above the usual run rate, while full-year EPS was steadier at $6.71 in 2024 versus $6.73 in 2023. The quiet part: one huge quarter gets attention, but the real story is that annual earnings have held up.
$122M
revenue
$5.38
eps
0%
gross margin
the number that mattered
The number that mattered was EPS of $5.38 because it was 149% above the prior year quarter, showing just how much bank earnings can jump when conditions line up.
source: company earnings report, 2026
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What could go wrong
the #1 risk is commercial loan growth missing the 8–10% target while fee income keeps sliding.
high
loan growth comes in light
management is pointing to 8–10% loan growth in q1 2026. for a $1B bank, that is ambitious enough to matter.
if growth lands below the low end, the cheap 12.5x multiple may stop looking cheap and start looking correct.
med
fee income keeps weakening
noninterest income was $122M last year and fell 8% from a year ago. that removes one of the few buffers against lending volatility.
when 25% of revenue is shrinking, 75% has to work harder.
med
funding and rate pressure
regional banks live on the spread between what they earn on loans and what they pay for funding. if that spread tightens, earnings pressure shows up fast even when credit stays clean.
QCRH produced a 21% net margin. a weaker margin changes the whole math on a low-multiple bank.
med
future dealmaking gets slower or pricier
regulatory scrutiny around bank mergers is real, and the company has already referenced regulatory approvals in filing language. that matters if acquisitions are part of the next growth chapter.
even a good operator looks slower when inorganic growth gets delayed.
This is a straightforward setup: $367M of net interest income carries the business, while the $122M fee side is shrinking. If both are not moving in the right direction next, the rerating case weakens.
source: institutional data · regulatory filings · risk analysis
Pay attention to
calendar
q1 2026 earnings report
expected april 28, 2026. this is the first real test of the 8–10% loan growth target.
metric
commercial loan growth
if the loan book does not expand near the guided range, the cheap-multiple argument loses some of its force.
trend
noninterest income direction
after an 8% decline, you want stabilization. a second weak print would make the bank look more rate-dependent, not less.
risk
margin pressure
the reported 21% net margin is healthy. if that starts compressing while growth stays modest, the quality of the earnings beat changes.
Analyst rankings
earnings predictability
85 / 100
in human-speak, analysts view the earnings profile as fairly dependable. you are not dealing with a serial surprise machine here.
risk rank
2
that translates to lower risk than most stocks in the broader market. it does not remove the usual regional bank sensitivity to lending and funding conditions.
source: institutional data
Institutional activity
institutional ownership data for QCRH is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$94
current price
n/a
target midpoint · n/a from current
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