QCR Holdings Inc. Common Stock (QCRH)

FairStock Score: 65/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach QCR Holdings as a regional bank holding company, not a wide-moat compounder. It serves small and mid-sized businesses and individuals through a multi-bank structure, and its edge, if any, comes from local relationships, deposit gathering, and underwriting discipline rather than scale. The numbers are respectable: at the $103.10 close on October 26, 2026, FairStock calculates a P/E of 12.13, a P/B of 1.46, and an ROE of 12.66%. That is not statistically cheap for a bank earning low-teens returns, but the PEG of 0.49 and the computed Lynch category of STALWART—steady 16.0% annual profit growth over five years—suggest the growth record has been solid. Filed results show consistency: fiscal 2025 net income was $127.2M and diluted EPS $7.49, versus $113.8M and $6.71 in fiscal 2024; fiscal 2023 net income was $113.6M. In the June 2026 quarter, net income was $36.3M and diluted EPS $2.19. The gap is balance-sheet quality. Banks are leveraged by design, and the data do not give CET1, net interest margin, nonperforming loans, reserves, or underwriting metrics. The 6/9 Piotroski score is decent but not strong. I would want tangible book value, credit costs, and deposit stability before calling it robust. At 1.46 times book, the market is paying a modest premium for a steady but not clearly superior bank. It looks fair rather than bargain-priced, with the caveat that hidden credit deterioration could change the story.

In plain English: QCR Holdings is a small regional bank holding company that serves businesses and individuals through local banks plus trust and asset-management services. The business looks steady and profitable, with rising reported profits and a moderate price compared with its earnings and accounting value. The stock looks closer to fairly valued than deeply cheap, and the available figures do not show enough about loan quality or financial cushion to make a strong safety call.

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Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer