QCR Holdings

QCRH

Banks - Regional · Financial Services

Price

$101.23

+0.15 (+0.15%)

Market Cap

$1.67B

Exchange

NASDAQ

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Good

Valuation

Good

Dividends

Good

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Share count rising — dilution

+5.1% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 15.9M (2021) → 16.8M (2025)

Winston Score History

The full picture

QCR Holdings is a regional bank holding company based in the Midwest. It owns several community banks — including Quad City Bank & Trust, m2 Lease Funds, and Community State Bankers — that serve individuals, small businesses, and mid-sized companies across Illinois, Iowa, Wisconsin, and Missouri. It operates in the regional banking industry and is known for its specialty finance businesses alongside traditional banking.

The company makes money primarily through interest income on loans and leases, plus fees from banking services. Its m2 Lease Funds subsidiary focuses on equipment leasing, which adds a revenue stream beyond typical community banking. QCR Holdings operates exclusively in the US Midwest, with roughly $10 billion in total assets, giving it a mid-sized regional footprint. Its community-focused model and long-standing local relationships provide some competitive stability, but rising interest rates or a slowdown in commercial lending activity in its core Midwest markets remain the key risks to watch.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+7.5% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+28.7% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

3.2%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

5+ years

Quarterly Free Cash Flow

↑ Burn rate improving

$8.8B cash & investments at current burn rate

Growth context

QCR Holdings is growing revenue at 8% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+8.5%

Steady sales growth (+8.5% YoY)

Profit growth

EPS YoY

+27.1%

Earnings growing fast (+27.1% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

11.9x

Attractive valuation — P/E 11.9

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

-0.1

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend

Dividend Yield

0.40%

Small dividend — 0.40% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+33.3%

Dividend growing fast (33.3% YoY)

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