QCR Holdings, Inc. (QCRH) Analyse boursière

Présentation de l'entreprise

QCR Holdings, Inc. operates as a multi-bank holding company delivering comprehensive commercial and consumer banking alongside trust and asset management services to its client base. Within the Financial Services sector and specifically the Banks - Regional industry, the firm manages a diversified portfolio of deposit products including noninterest-bearing demand, interest-bearing demand, time, and brokered deposits, while extending various commercial and retail credit solutions. The entity commands a market capitalization of $1.40B and generates annual revenue of $351.46M, supported by an operational workforce of 967 employees. These valuation and revenue figures position the company as a significant regional player with a substantial asset base, reflecting a stable footprint in the banking landscape that allows for continued expansion and service diversification.

Santé financière

The company reported a trailing twelve-month revenue of $351.46M and net income of $127.19M, while EBITDA data is not available in the provided records. The substantial gap between total revenue and net income highlights an efficient cost structure typical of banking operations, where operating expenses are tightly managed to preserve a high proportion of income as profit. Free cash flow figures are not disclosed for QCR Holdings, Inc., which suggests that liquidity management relies heavily on deposit flows and asset liquidity rather than discretionary cash generation from operations. The firm maintains a robust gross margin of 0.0%, which is characteristic of the banking industry where fees and interest income are netted against funding costs before operating expenses. Operating margin stands at 41.3% and profit margin reaches 36.2%, indicating that the company retains a significant portion of its revenue after covering all operational and interest expenses. Regarding liquidity and leverage, the company holds $502.44M in cash against total debt of $856.65M, resulting in a debt-to-equity ratio that is not explicitly quantified in the available data. The absence of a stated current ratio prevents a direct assessment of short-term liquidity relative to current liabilities, though the cash position provides a substantial buffer for immediate obligations. Return on Equity is calculated at 12.1%, demonstrating effective deployment of shareholder capital, while Return on Assets sits at 1.4%, reflecting the asset-heavy nature of banking where returns are distributed across a large balance sheet.

Évaluation de la valorisation

QCR Holdings, Inc. trades with a trailing P/E ratio of 11.14 and a forward P/E of 9.65, implying that the market expects earnings growth that will compress the valuation multiple in the coming year. The price-to-book ratio is recorded at 1.25, indicating that the stock trades at a slight premium to its book value, which often signals market confidence in the quality of the underlying assets and future earnings potential. Alternative valuation metrics include a price-to-sales ratio of 4.00 and an EV/EBITDA multiple that is not available for comparison. The stock has exhibited volatility within a 52-week trading range bounded by a high of $96.00 and a low of $60.83, with the current price trajectory needing to be evaluated against this historical spread to determine relative value. The beta coefficient is 0.80, which signifies that the stock's price volatility is lower than the broader market, offering a more stable risk profile for portfolios sensitive to systemic fluctuations.

Growth & Income

Revenue growth for the trailing twelve months stands at 17.1%, while earnings growth reaches 19.4%, demonstrating that profitability is expanding at a faster pace than top-line revenue. This divergence suggests improved operational leverage or favorable net interest margin dynamics that are enhancing the bottom line more aggressively than volume expansion alone. The company maintains a dividend yield of 0.5% with a payout ratio of 3.2%, indicating a highly conservative approach to dividend distribution that leaves ample room for earnings reinvestment. Given the low payout ratio, the firm prioritizes retaining earnings to fund organic growth initiatives and capital adequacy rather than maximizing shareholder distributions through high dividends. Overall, the growth profile is characterized by accelerating earnings expansion supported by a conservative capital allocation strategy that balances modest income generation with significant capital retention.