QCRH

MKT CAP:$1B

QCR Holdings, Inc.

Market Cap

$1B

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$88.39+$6.25 (+7.61%)

Apr 24, 2026

Company Details

QCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. Its deposit products include noninterest-bearing demand, interest-bearing demand, time, and brokered deposi...

CEO

Todd A. Gipple

IPO Date

Oct 6, 1993

Website

www.qcrh.com

Key Metrics TTM

Revenue

$488M

-15.7% YoY

Net Income

$135M

EPS (Diluted)

$8.00

Free Cash Flow

$354M

Revenue / Share

$29.33

Gross Margin

56.1%

Operating Margin

22.5%

Net Margin

27.6%

FCF Margin

72.5%

P/S

3.0x

P/E

10.9x

Earnings Reports

Q1 2026

Apr 22, 2026

NEW

$23M-82.5%EPS $2.00

FY 2025

Feb 27, 2026

$597M+1.5%EPS $7.52

Q4 2025

Feb 27, 2026

$166M+11.2%EPS $2.13

Q3 2025

Nov 7, 2025

$159M+6.3%EPS $2.16

Q2 2025

Aug 8, 2025

$140M-5.7%EPS $1.71

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$89M	$69M	$17M
Q3 22	$98M	$80M	$34M
Q4 22	$113M	$84M	$37M
Q1 23	$117M	$77M	$30M
Q2 23	$129M	$80M	$32M
Q3 23	$132M	$75M	$27M
Q4 23	$158M	$95M	$37M
Q1 24	$140M	$76M	$28M
Q2 24	$148M	$79M	$32M
Q3 24	$150M	$81M	$30M
Q4 24	$149M	$84M	$33M
Q1 25	$131M	$70M	$26M
Q2 25	$140M	$78M	$31M
Q3 25	$159M	$95M	$41M
Q4 25	$166M	$102M	$39M
Q1 26	$23M	$0	$16.0K

Valuation

Quarter	P/S	P/E
Q2 22	4.7x	15.1x
Q3 22	4.5x	15.5x
Q4 22	4.0x	14.9x
Q1 23	3.5x	14.4x
Q2 23	3.2x	12.7x
Q3 23	3.0x	13.2x
Q4 23	2.8x	13.0x
Q1 24	2.6x	13.0x
Q2 24	2.5x	13.0x
Q3 24	2.5x	12.7x
Q4 24	2.5x	13.0x
Q1 25	2.5x	13.1x
Q2 25	2.6x	13.1x
Q3 25	2.5x	12.1x
Q4 25	2.5x	11.6x
Q1 26	3.0x	10.9x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$7M	$4M
Q2 22	$47M	$26M
Q3 22	$23M	$20M
Q4 22	$42M	$36M
Q1 23	$22M	$20M
Q2 23	$39M	$36M
Q3 23	$25M	$22M
Q4 23	$291M	$284M
Q1 24	$3M	-$9M
Q2 24	$26M	$16M
Q3 24	$238M	$230M
Q4 24	$177M	$163M
Q1 25	-$4M	-$13M
Q2 25	$42M	$24M
Q3 25	$47M	$32M
Q4 25	$335M	$311M

Capital Expenditures

Quarter	CapEx
Q1 22	$3M
Q2 22	$21M
Q3 22	$3M
Q4 22	$6M
Q1 23	$2M
Q2 23	$3M
Q3 23	$3M
Q4 23	$7M
Q1 24	$12M
Q2 24	$10M
Q3 24	$8M
Q4 24	$14M
Q1 25	$9M
Q2 25	$18M
Q3 25	$16M
Q4 25	$25M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	+32.3%	+80.4%
Q3 22	+16.2%	+42.2%
Q4 22	+53.9%	+89.8%
Q1 23	+79.2%	+121.5%
Q2 23	+45.1%	+33.8%
Q3 23	+34.4%	+63.7%
Q4 23	+39.3%	+57.4%
Q1 24	+19.7%	+28.9%
Q2 24	+15.5%	+21.4%
Q3 24	+13.3%	+13.9%
Q4 24	-5.3%	-3.5%
Q1 25	-6.2%	-6.2%
Q2 25	-5.7%	-6.3%
Q3 25	+6.3%	-1.1%
Q4 25	+11.2%	+9.7%
Q1 26	-82.5%	-78.2%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$751.0K	1.2%
Q2 22	$545.0K	0.6%
Q3 22	$382.0K	0.4%
Q4 22	$760.0K	0.7%
Q1 23	$953.0K	0.8%
Q2 23	$673.0K	0.5%
Q3 23	$527.0K	0.4%
Q4 23	$525.0K	0.3%
Q1 24	$124.0K	0.1%
Q2 24	$2M	1.0%
Q3 24	$235.0K	0.2%
Q4 24	$953.0K	0.6%
Q1 25	$1M	1.0%
Q2 25	$622.0K	0.4%
Q3 25	$687.0K	0.4%
Q4 25	$623.0K	0.4%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$32M	$1M
Q3 22	$31M	$1M
Q4 22	$33M	$2M
Q1 23	$33M	$1M
Q2 23	$33M	$2M
Q3 23	$34M	$1M
Q4 23	$43M	$2M
Q1 24	$34M	$1M
Q2 24	$33M	$2M
Q3 24	$33M	$2M
Q4 24	$36M	$2M
Q1 25	$29M	$2M
Q2 25	$30M	$2M
Q3 25	$36M	$2M
Q4 25	$37M	$2M
Q1 26	$5M	$2M

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$147M	$371M	$518M
Q3 22	$129M	$340M	$469M
Q4 22	$127M	$341M	$468M
Q1 23	$302M	$315M	$617M
Q2 23	$250M	$306M	$557M
Q3 23	$165M	$281M	$446M
Q4 23	$202M	$300M	$502M
Q1 24	$154M	$291M	$445M
Q2 24	$186M	$290M	$476M
Q3 24	$250M	$292M	$542M
Q4 24	$235M	$281M	$516M
Q1 25	$316M	$54M	$370M
Q2 25	$223M	$66M	$289M
Q3 25	$215M	$63M	$278M
Q4 25	$76M	$107M	$184M
Q1 26	$80M	$0	$80M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	18M	+10.7%	+9.4%
Q3 22	17M	-2.5%	+7.8%
Q4 22	17M	-0.4%	+7.6%
Q1 23	17M	-0.6%	+6.9%
Q2 23	17M	-0.8%	-4.3%
Q3 23	17M	+0.3%	-1.5%
Q4 23	17M	+0.2%	-1.0%
Q1 24	17M	+0.2%	-0.2%
Q2 24	17M	0.0%	+0.7%
Q3 24	17M	+0.4%	+0.8%
Q4 24	17M	+0.2%	+0.9%
Q1 25	17M	-0.1%	+0.6%
Q2 25	17M	-0.0%	+0.6%
Q3 25	17M	-0.5%	-0.4%
Q4 25	17M	-0.9%	-1.6%
Q1 26	17M	-0.6%	-2.1%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	$122.0K	726
Q3 22	$135.7K	726
Q4 22	$122.6K	924
Q1 23	$126.6K	924
Q2 23	$139.1K	924
Q3 23	$143.2K	924
Q4 23	$165.6K	953
Q1 24	$146.9K	953
Q2 24	$155.7K	953
Q3 24	$157.3K	953
Q4 24	$158.8K	941
Q1 25	$139.5K	941
Q2 25	$148.7K	941
Q3 25	$169.3K	941
Q4 25	$171.8K	967
Q1 26	$23.7K	967

Revenue / Employee