QCRHNasdaqState Commercial BanksFiscal year ends December 31
QCR HOLDINGS INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$97.48−1.38 (-1.40%)
Close on Oct 19, 2026
- Market cap
- $1.62B
- P/E (TTM)
- 11.5
- Dividend yield
- 0.25%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
34.4%+15.0 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +6.4% | -0.3% | +3.4% | +12.4% | |
| Net income | +11.7% | +8.7% | +16.0% | +22.3% | |
| EPS, diluted | +11.6% | +8.5% | +14.5% | +16.6% | |
| Free cash flow | -11.5% | +60.6% | +26.8% | +30.0% | |
| Dividend per share | 0.0% | 0.0% | 0.0% | +11.6% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 10.8% | 10.7% | 12.1% | |
| Return on assets | 0.9% | 1.1% | 1.4% | |
| Capex to revenue | 4.4% | 1.4% | 18.2% | |
| Diluted shares | 13M | 16M | 17M |
Where the cash went
Fiscal 2021 to 2025, five years combined
QCR generated $1.45B from operations and spent $174.11M on capital expenditure, dividends and share buybacks. 100% of that went back into the business.
Generated
$1.45B
Used
$174.11M
Capital expenditure$174.11M100%Dividends$00%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin34.4%
×Asset turnover0.04×
×Equity multiplier8.78×
=Return on equity, FY202512.1%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 34.4% | 0.04× | 8.78× | 12.1% |
| FY2024 | 32.8% | 0.04× | 9.32× | 12.1% |
| FY2023 | 20.8% | 0.07× | 9.94× | 13.7% |
| FY2022 | 26.5% | 0.05× | 9.69× | 13.7% |
| FY2021 | 32.9% | 0.05× | 9.29× | 15.6% |
| FY2020 | 19.4% | 0.06× | 9.40× | 10.7% |
| FY2019 | 19.5% | 0.06× | 9.78× | 11.4% |
| FY2018 | 19.2% | 0.05× | 10.81× | 10.4% |
| FY2017 | 21.5% | 0.05× | 11.39× | 11.2% |
| FY2016 | 20.1% | 0.05× | 11.52× | 10.8% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$127.19M
- Cash generatingOperating cash flow above zero$421.54M
- Return on assets improvedROA up on the prior year1.3% → 1.4%
- Earnings backed by cashOperating cash flow above net income$421.54M vs $127.19M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise17M → 17M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.04