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QCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. The company's deposit products include noninterest-bearing demand, interest-bearing demand, time, and brokered deposits. It also provides various commercial and retail lending/leasing, and investment services to corporations, partnerships, individuals, and government agencies. In addition, the company offers loans to small and mid-sized businesses; business loans, including lines of credit for working capital and operational purposes; term loans for the acquisition of facilities, equipment, and other purposes; commercial and residential real estate loans; and installment and other consumer loans, such as motor vehicle, home improvement, home equity, signature loans, and small personal credit lines, as well as issuance of trust preferred securities. QCR Holdings, Inc. was incorporated in 1993 and is headquartered in Moline, Illinois.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $360M | - | $127M | $354M | 11.4% | 6.5% | 11.7% |
| 2024 | $338M | - | $114M | $400M | 11.4% | -1.5% | 0.3% |
| 2023 | $343M | - | $114M | $361M | 12.8% | 12.8% | 14.6% |
| 2022 | $304M | - | $99M | $85M | 12.8% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 304.16 | 343.21 | 338.09 | 360.10 |
| Pretax Income | 113.55 | 126.62 | 122.58 | 135.90 |
| Tax Provision | 14.48 | 13.06 | 8.73 | 8.71 |
| Net Income | 99.07 | 113.56 | 113.85 | 127.19 |
| Net Income Common Stockholders | 99.07 | 113.56 | 113.85 | 127.19 |
| Interest Expense | 61.45 | 192.40 | 250.07 | 234.21 |
| Interest Income | 292.57 | 413.41 | 481.86 | 489.43 |
| Selling General And Administration | 126.13 | 149.80 | 142.69 | 142.81 |
| Normalized Income | 107.13 | 113.74 | 116.07 | 129.03 |
| Basic EPS | 5.94 | 6.79 | 6.77 | 7.54 |
| Diluted EPS | 5.87 | 6.73 | 6.71 | 7.49 |
| Tax Effect Of Unusual Items | -1.18 | -0.02 | -0.17 | -0.13 |
| Tax Rate For Calcs | 0.13 | 0.10 | 0.07 | 0.06 |
| Total Unusual Items | -9.24 | -0.21 | -2.39 | -1.96 |
| Total Unusual Items Excluding Goodwill | -9.24 | -0.21 | -2.39 | -1.96 |
| Net Income From Continuing Operation Net Minority Interest | 99.07 | 113.56 | 113.85 | 127.19 |
| Reconciled Depreciation | 10.52 | 11.66 | 11.23 | 12.30 |
| Net Interest Income | 231.12 | 221.01 | 231.79 | 255.22 |
| Net Income From Continuing And Discontinued Operation | 99.07 | 113.56 | 113.85 | 127.19 |
| Diluted Average Shares | 16.89 | 16.87 | 16.96 | 16.97 |
| Basic Average Shares | 16.68 | 16.73 | 16.83 | 16.88 |
| Diluted NI Availto Com Stockholders | 99.07 | 113.56 | 113.85 | 127.19 |
| Net Income Including Noncontrolling Interests | 99.07 | 113.56 | 113.85 | 127.19 |
| Net Income Continuous Operations | 99.07 | 113.56 | 113.85 | 127.19 |
| Special Income Charges | -9.24 | -0.21 | -2.39 | -1.96 |
| Gain On Sale Of Business | 0 | 0 | 0 | 0 |
| Impairment Of Capital Assets | 0 | 0 | 0.43 | 0 |
| Restructuring And Mergern Acquisition | 9.24 | 0.21 | 1.95 | 0 |
| Gain On Sale Of Security | 1.98 | -1.71 | -2.39 | 0.33 |
| Depreciation Amortization Depletion Income Statement | 2.85 | 2.94 | 2.76 | 2.98 |
| Depreciation And Amortization In Income Statement | 2.85 | 2.94 | 2.76 | 2.98 |
| Amortization | 2.85 | 2.94 | 2.76 | 2.98 |
| Amortization Of Intangibles Income Statement | 2.85 | 2.94 | 2.76 | 2.98 |
| Selling And Marketing Expense | 4.96 | 6.04 | 7.06 | 7.54 |
| General And Administrative Expense | 121.17 | 143.76 | 135.63 | 135.27 |
| Insurance And Claims | 5.81 | 7.14 | 7.44 | 8.20 |
| Salaries And Wages | 115.37 | 136.62 | 128.19 | 127.07 |
| Operating Revenue | 304.16 | 343.21 | 338.09 | 360.10 |
| Occupancy And Equipment | 21.98 | 25.03 | 25.41 | 28.02 |
| Professional Expense And Contract Services Expense | 16.28 | 16.27 | 19.37 | 25.28 |
| Other Non Interest Expense | 5.84 | 5.81 | 5.41 | 5.09 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| QCR Holdings, Inc.this co. | QCRH | $1.5B | 11.36↓ discount | 1.36 | 11.4% | - |
| FirstSun Capital Bancorp | FSUN | $1.6B | 10.44 | 0.86 | 8.5% | - |
| Lakeland Financial Corporation | LKFN | $1.5B | 15.05 | 2.04 | 13.6% | - |
| Exzeo Group, Inc. | XZO | $1.5B | 16.44 | 5.82 | 32.6% | 10.44 |
| Byline Bancorp, Inc. | BY | $1.5B |
| 10.52 |
| 1.15 |
| 10.3% |
| - |
| Republic Bancorp, Inc. | RBCAA | $1.5B | 11.57 | 1.33 | 11.9% | - |
| ConnectOne Bancorp, Inc. | CNOB | $1.5B | 15.61 | 0.98 | 5.1% | - |
| Origin Bancorp, Inc. | OBK | $1.4B | 18.18 | 1.15 | 6.0% | - |
| Westamerica Bancorporation | WABC | $1.4B | 11.19 | 1.39 | 12.4% | - |
| Peer Median | - | 13.31 | 1.24 | 11.1% | 10.44 | |