QCR Holdings, Inc. (QCRH) Financial Ratios
31 years of historical data (1995–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
15.68
↑+36% vs avg
5yr avg: 11.51
30Y Low7.4·High94.4
P/FCF
↓
4.49
↓-30% vs avg
5yr avg: 6.39
30Y Low1.3·High85.7
P/B Ratio
↓
1.43
+16% vs avg
5yr avg: 1.23
30Y Low0.2·High2.9
ROE
↓
12.1%
-10% vs avg
5yr avg: 13.4%
30Y Low2%·High16%
Debt/EBITDA
↑
4.55
+4% vs avg
5yr avg: 4.39
30Y Low1.3·High48.9
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
QCRH Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
QCR Holdings, Inc. trades at 12.6x earnings, 28% above its 5-year average of 9.9x, sitting at the 48th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 7%. On a free-cash-flow basis, the stock trades at 4.5x P/FCF, 30% below the 5-year average of 6.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.6B | $1.4B | $1.4B | $985M | $838M | $893M | $632M | $700M | $483M | $586M | $553M |
| Enterprise Value | $2.1B | $1.9B | $1.7B | $1.5B | $1.5B | $951M | $661M | $755M | $670M | $764M | $794M |
| P/E Ratio → | 12.63 | 11.08 | 12.02 | 8.68 | 8.46 | 9.03 | 10.42 | 12.18 | 11.22 | 16.42 | 19.95 |
| P/S Ratio | 2.66 | 2.34 | 2.33 | 1.84 | 2.29 | 3.04 | 2.06 | 2.51 | 2.20 | 3.61 | 4.11 |
| P/B Ratio | 1.43 | 1.25 | 1.37 | 1.11 | 1.09 | 1.32 | 1.06 | 1.31 | 1.02 | 1.66 | 1.93 |
| P/FCF | 4.49 | 3.94 | 3.42 | 2.73 | 9.81 | 12.03 | 5.85 | 10.93 | 9.15 | 20.97 | 14.80 |
| P/OCF | 3.77 | 3.31 | 3.08 | 2.62 | 7.06 | 10.12 | 5.63 | 9.16 | 7.52 | 17.39 | 12.74 |
P/E links to full P/E history page with 30-year chart
QCRH EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
QCR Holdings, Inc.'s enterprise value stands at 15.7x EBITDA, 36% above its 5-year average of 11.5x. The Financial Services sector median is 11.4x, placing the stock at a 38% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.25 | 2.89 | 2.80 | 4.20 | 3.24 | 2.16 | 2.71 | 3.04 | 4.71 | 5.91 |
| EV / EBITDA | 15.68 | 14.25 | 12.71 | 10.83 | 12.39 | 7.38 | 8.18 | 9.50 | 11.49 | 16.76 | 19.63 |
| EV / EBIT | 15.68 | 14.25 | 13.87 | 11.84 | 13.54 | 7.83 | 9.02 | 10.48 | 12.85 | 18.80 | 21.70 |
| EV / FCF | — | 5.47 | 4.25 | 4.15 | 17.99 | 12.81 | 6.12 | 11.79 | 12.68 | 27.34 | 21.26 |
QCRH Profitability
Margins and return-on-capital ratios measuring operating efficiency
QCR Holdings, Inc. earns an operating margin of 22.8%, above the Financial Services sector average of 20.3%. ROE of 12.1% is modest. ROIC of 6.2% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 57.7% | 57.7% | 54.5% | 61.0% | 80.9% | 91.4% | 71.6% | 75.7% | 75.9% | 82.8% | 85.5% |
| Operating Margin | 22.8% | 22.8% | 20.9% | 23.7% | 31.1% | 41.3% | 23.9% | 25.9% | 23.7% | 25.1% | 27.2% |
| Net Profit Margin | 21.3% | 21.3% | 19.4% | 21.2% | 27.1% | 33.7% | 19.8% | 20.6% | 19.6% | 22.0% | 20.6% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.1% | 12.1% | 12.1% | 13.7% | 13.7% | 15.6% | 10.7% | 11.4% | 10.4% | 11.2% | 10.8% |
| ROA | 1.4% | 1.4% | 1.3% | 1.4% | 1.4% | 1.7% | 1.1% | 1.2% | 1.0% | 1.0% | 0.9% |
| ROIC | 6.2% | 6.2% | 5.8% | 5.9% | 7.0% | 11.3% | 6.9% | 6.4% | 5.1% | 4.6% | 4.1% |
| ROCE | 2.4% | 2.4% | 6.1% | 6.6% | 7.6% | 10.7% | 7.0% | 7.6% | 6.7% | 6.9% | 7.6% |
QCRH Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
QCR Holdings, Inc. carries a Debt/EBITDA ratio of 4.5x, which is highly leveraged (7% above the sector average of 4.3x). Net debt stands at $541M ($618M total debt minus $76M cash). Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.56 | 0.56 | 0.57 | 0.81 | 1.07 | 0.25 | 0.30 | 0.52 | 0.86 | 0.88 | 1.31 |
| Debt / EBITDA | 4.55 | 4.55 | 4.24 | 5.18 | 6.66 | 1.33 | 2.19 | 3.51 | 6.95 | 6.79 | 9.29 |
| Net Debt / Equity | — | 0.49 | 0.33 | 0.58 | 0.90 | 0.09 | 0.05 | 0.10 | 0.39 | 0.50 | 0.84 |
| Net Debt / EBITDA | 3.98 | 3.98 | 2.49 | 3.72 | 5.63 | 0.45 | 0.36 | 0.69 | 3.20 | 3.90 | 5.97 |
| Debt / FCF | — | 1.53 | 0.83 | 1.42 | 8.18 | 0.78 | 0.27 | 0.86 | 3.53 | 6.37 | 6.46 |
| Interest Coverage | 0.58 | 0.58 | 0.49 | 0.66 | 1.85 | 5.54 | 2.33 | 1.19 | 1.29 | 2.09 | 3.06 |
QCRH Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
QCR Holdings, Inc.'s current ratio of 28.87x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.08x to 28.87x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 28.87 | 28.87 | 0.08 | 0.08 | 0.08 | 0.10 | 0.12 | 0.13 | 0.15 | 0.16 | 0.20 |
| Quick Ratio | 28.87 | 28.87 | 0.08 | 0.08 | 0.08 | 0.10 | 0.12 | 0.13 | 0.15 | 0.16 | 0.20 |
| Cash Ratio | 28.87 | 28.87 | 0.03 | 0.03 | 0.02 | 0.02 | 0.03 | 0.06 | 0.05 | 0.04 | 0.05 |
| Asset Turnover | — | 0.06 | 0.07 | 0.06 | 0.05 | 0.05 | 0.05 | 0.06 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
QCRH Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
QCR Holdings, Inc. returns 1.6% to shareholders annually — split between a 0.3% dividend yield and 1.4% buyback yield. The payout ratio of 3.2% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.9% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.3% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 3.2% | 3.2% | 3.5% | 3.5% | 4.0% | 3.8% | 6.2% | 6.6% | 7.7% | 7.0% | 7.2% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.9% | 9.0% | 8.3% | 11.5% | 11.8% | 11.1% | 9.6% | 8.2% | 8.9% | 6.1% | 5.0% |
| FCF Yield | 22.3% | 25.4% | 29.3% | 36.7% | 10.2% | 8.3% | 17.1% | 9.1% | 10.9% | 4.8% | 6.8% |
| Buyback Yield | 1.4% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 1.6% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $17M | $17M | $17M | $17M | $16M | $16M | $16M | $15M | $14M | $13M |
Peer Comparison
Compare QCRH with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 QCRHYou | $2B | 12.6 | 15.7 | 4.5 | 57.7% | 22.8% | 12.1% | 6.2% | 4.5 |
 MBWM | $928M | 9.8 | 12.0 | 82.8 | 64.0% | 27.5% | 13.6% | 5.5% | 7.8 |
 FBIZ | $503M | 10.0 | 12.1 | 8.2 | 57.3% | 21.6% | 14.4% | 7.0% | 4.3 |
 GABC | $2B | 14.7 | 12.9 | 11.0 | 70.2% | 28.7% | 12.0% | 9.3% | 1.3 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 BANF | $4B | 15.6 | 11.3 | 15.9 | 82.9% | 36.8% | 13.8% | 12.3% | 0.4 |
 WTFC | $10B | 13.3 | 11.9 | 12.1 | 62.2% | 26.4% | 12.1% | 7.5% | 3.7 |
 IBCP | $706M | 10.5 | 9.5 | 10.1 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 FFIN | $5B | 18.5 | 11.4 | 15.3 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 FULT | $4B | 11.0 | 10.3 | 15.5 | 67.4% | 25.7% | 11.7% | 7.5% | 2.5 |
 CVBF | $3B | 13.7 | 13.2 | 13.0 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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QCRH — Frequently Asked Questions
Quick answers to the most common questions about buying QCRH stock.
What is QCR Holdings, Inc.'s P/E ratio?
QCR Holdings, Inc.'s current P/E ratio is 12.6x. The historical average is 15.9x. This places it at the 48th percentile of its historical range.
What is QCR Holdings, Inc.'s EV/EBITDA?
QCR Holdings, Inc.'s current EV/EBITDA is 15.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 26.1x.
What is QCR Holdings, Inc.'s ROE?
QCR Holdings, Inc.'s return on equity (ROE) is 12.1%. The historical average is 9.6%.
Is QCRH stock overvalued?
Based on historical data, QCR Holdings, Inc. is trading at a P/E of 12.6x. This is at the 48th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is QCR Holdings, Inc.'s dividend yield?
QCR Holdings, Inc.'s current dividend yield is 0.26% with a payout ratio of 3.2%.
What are QCR Holdings, Inc.'s profit margins?
QCR Holdings, Inc. has 57.7% gross margin and 22.8% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does QCR Holdings, Inc. have?
QCR Holdings, Inc.'s Debt/EBITDA ratio is 4.5x, indicating high leverage. A ratio above 4x may signal elevated financial risk.