Loading…
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% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 304.16 | 343.22 | 338.09 | 360.10 |
| Operating Revenue | - | 304.16 | 343.22 | 338.09 | 360.10 |
| Selling General And Administration | - | 126.13 | 149.80 | 142.69 | 142.81 |
| Interest Income | - | 292.57 | 413.41 | 481.86 | 489.43 |
| Interest Expense | - | 61.45 | 192.40 | 250.07 | 234.20 |
| Net Interest Income | - | 231.12 | 221.01 | 231.79 | 255.22 |
| Pretax Income | - | 113.55 | 126.62 | 122.58 | 135.90 |
| Tax Provision | - | 14.48 | 13.06 | 8.73 | 8.71 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | -1.18 | -0.02 | -0.17 | -0.13 |
| Net Income Continuous Operations | - | 99.07 | 113.56 | 113.85 | 127.19 |
| Net Income From Continuing And Discontinued Operation | - | 99.07 | 113.56 | 113.85 | 127.19 |
| Net Income From Continuing Operation Net Minority Interest | - | 99.07 | 113.56 | 113.85 | 127.19 |
| Net Income | - | 99.07 | 113.56 | 113.85 | 127.19 |
| Net Income Common Stockholders | - | 99.07 | 113.56 | 113.85 | 127.19 |
| Net Income Including Noncontrolling Interests | - | 99.07 | 113.56 | 113.85 | 127.19 |
| Normalized Income | - | 107.13 | 113.74 | 116.07 | 129.03 |
| Diluted NI Availto Com Stockholders | - | 99.07 | 113.56 | 113.85 | 127.19 |
| Basic Average Shares | - | 16.68 | 16.73 | 16.83 | 16.88 |
| Diluted Average Shares | - | 16.89 | 16.87 | 16.96 | 16.97 |
| Reconciled Depreciation | - | 10.52 | 11.66 | 11.23 | 12.30 |
| Total Unusual Items | - | -9.24 | -0.21 | -2.39 | -1.96 |
| Total Unusual Items Excluding Goodwill | - | -9.24 | -0.21 | -2.39 | -1.96 |
| Special Income Charges | - | -9.24 | -0.21 | -2.39 | -1.96 |
| Gain On Sale Of Business | -0.01 | 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 |
| Salaries And Wages | - | 115.37 | 136.62 | 128.19 | 127.07 |
| Insurance And Claims | - | 5.81 | 7.14 | 7.44 | 8.20 |
| Selling And Marketing Expense | - | 4.96 | 6.04 | 7.06 | 7.54 |
| Amortization | - | 2.85 | 2.94 | 2.76 | 2.98 |
| Amortization Of Intangibles Income Statement | - | 2.85 | 2.94 | 2.76 | 2.98 |
| 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 | 12.07↓ discount | 1.38 | 11.4% | - |
| TriCo Bancshares | TCBK | $1.6B | 13.41 | 1.23 | 9.2% | - |
| Hope Bancorp, Inc. | HOPE | $1.6B | 26.13 | 0.70 | 2.7% | - |
| Bank First Corporation | BFC | $1.6B | 21.96 | 2.44 | 11.1% | - |
| ConnectOne Bancorp, Inc. | CNOB | $1.5B | 19.13 |
| - |
| - |
| - |
| - |
| - |
| 1.05 |
| 5.5% |
| - |
| Byline Bancorp, Inc. | BY | $1.5B | 11.70 | 1.20 | 10.3% | - |
| Origin Bancorp, Inc. | OBK | $1.5B | 19.77 | 1.19 | 6.0% | - |
| Lakeland Financial Corporation | LKFN | $1.5B | 14.29 | 1.94 | 13.6% | - |
| Perella Weinberg Partners | PWP | $1.5B | 41.59 | -11.59 | -27.9% | 20.42 |
| Peer Median | - | 19.45 | 1.20 | 7.6% | 20.42 | |