QCR Holdings, Inc. (QCRH) Stock

QCR Holdings, Inc. (QCRH) is a Financials stock trading at $101.06 (as of 2026-08-20), with a market capitalization of $1.66B and a trailing P/E of 11.8. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

QCR Holdings, Inc. is a multi-bank holding company providing commercial and consumer banking, as well as trust and asset management services. It offers deposit products, commercial and retail lending and leasing, and related investment services to corporations, partnerships, individuals, and government agencies.

Understand QCR Holdings, Inc.: how it makes money

QCR Holdings operates a multi-bank platform offering commercial and consumer banking, lending, and trust and asset management, and it makes money through net interest from deposit-funded lending plus fees from capital markets and wealth management (including swap fee income).

The profit engine links (1) deposit-funded lending and (2) fee-based businesses, especially capital markets swap fee income and wealth management revenue.

Revenue by segment (latest quarter)
Swap Fees	$0.0B
Capital Markets	$0.0B
Wealth Mgmt	$0.0B
Other Banking	$0.1B

Business quality (Mixed): The company is a diversified bank holding company with multiple fee sources (swap fees and wealth management) alongside traditional banking and lending, but the provided segment revenue inputs do not fully cover total revenue, so the largest drivers should be confirmed with the full official segment disclosures.

Valuation: At 12× earnings, QCRH trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Fee-based capital markets income is visible: The company reports capital markets revenue from swap fee income, which helps diversify revenue beyond core lending activity.
Broader services mix: QCR provides banking, lending, and trust and asset management, and it also provides investment services and wealth management revenue.

Bear case

Exposure to small and mid-sized business credit: The loan portfolio is concentrated in loans to small and mid-sized businesses, which can increase sensitivity to borrower and local economic conditions.
Fee income can be cyclical: Capital markets swap-related revenue and wealth management revenue may fluctuate with market activity and client demand.
Segment transparency is limited in the provided data: Only certain revenue lines were provided, so a large remainder of total revenue is not broken out in the available segment inputs, making it harder to quantify which business line drives results.

Valuation — source: SEC EDGAR (first-party)
Price	$101.06
Market Cap	$1.66B
P/E Ratio	11.8
EV / EBITDA	9.9
Price / Book	1.44
Price / Sales	3.40
FCF Yield	28.9%
DCF Value (model)	$153.79
DCF Upside vs Price	52.2%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$489.43M
Net Margin	26.0%
Revenue Growth (YoY)	1.6%
EPS Growth (YoY)	11.4%
FCF Growth (YoY)	-11.5%

Valuation vs Sector & Industry
Stock P/E	11.8
Sector P/E (Financials)	15.1
Industry P/E (Banking)	12.9
vs Sector	-21.8%
vs Industry	-8.3%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	BlackRock, Inc. ($118.05M)
Institutional Holders Tracked	10
Congressional Trades (recent)	1

Company
Sector	Financials
Industry	Banking
CEO	Todd A. Gipple
Employees	972
Country	US
IPO Date	1993-10-06

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.