Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
QCR Holdings, Inc.'s quarterly P/E stands at 9.8x, down 14.2% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 6.2% YoY to 12.5x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.16 | 9.78 | 8.75 | 9.93 | 11.73 | 11.39 | 11.29 | 8.72 | 9.61 | 7.49 | 8.14 | 6.07 | 6.86 |
| — | -14.2% | -22.4% | +13.8% | +22.1% | +52.2% | +38.6% | +43.7% | +40.1% | +9.2% | +9.3% | -60.9% | -27.7% | |
| P/S Ratio | 2.57 | 2.10 | 2.01 | 2.06 | 2.31 | 2.30 | 2.10 | 1.71 | 1.83 | 1.56 | 1.54 | 1.34 | 1.59 |
| — | -8.5% | -4.3% | +20.7% | +26.0% | +47.1% | +35.8% | +27.5% | +15.3% | -16.4% | -30.2% | -49.9% | -53.7% | |
| P/B Ratio | 1.38 | 1.25 | 1.18 | 1.10 | 1.19 | 1.38 | 1.29 | 1.08 | 1.13 | 1.11 | 0.99 | 0.84 | 0.93 |
| — | -8.8% | -8.5% | +1.4% | +4.8% | +23.8% | +30.4% | +29.3% | +22.0% | +1.5% | -16.6% | -34.3% | -30.9% | |
| P/FCF | 4.32 | 1.12 | 10.08 | 11.92 | — | 2.10 | 1.37 | 15.69 | — | 0.87 | 9.46 | 4.83 | 9.27 |
| — | -46.6% | +637.4% | -24.0% | — | +142.2% | -85.6% | +224.6% | — | -85.3% | -13.8% | -46.7% | -85.5% | |
| EV / EBITDA | 15.25 | 12.52 | 9.30 | 10.74 | 11.45 | 11.80 | 12.93 | 11.53 | 11.05 | 9.24 | 11.47 | 6.09 | 6.56 |
| — | +6.2% | -28.0% | -6.8% | +3.6% | +27.7% | +12.7% | +89.2% | +68.5% | -5.6% | +17.5% | -65.0% | -40.9% | |
| EV / EBIT | 15.25 | 12.52 | 10.02 | 11.78 | 12.71 | 12.85 | 13.95 | 12.61 | 12.21 | 10.06 | 12.65 | 6.62 | 7.17 |
| — | -2.5% | -28.2% | -6.6% | +4.1% | +27.8% | +10.3% | +90.5% | +70.4% | -4.3% | +19.6% | -68.0% | -39.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
QCR Holdings, Inc.'s operating margin was 23.3% in Q4 2025, down 2.2 pp QoQ and up 1.1 pp YoY. Gross margin expanded 8.3% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 57.7% | 61.1% | 59.5% | 55.6% | 53.6% | 56.4% | 53.8% | 53.5% | 54.5% | 60.3% | 56.8% | 62.0% | 65.5% |
| — | +8.3% | +10.5% | +3.9% | -1.6% | -6.4% | -5.3% | -13.8% | -16.8% | -19.2% | -30.0% | -19.9% | -32.0% | |
| Operating Margin | 22.8% | 23.3% | 25.5% | 21.8% | 19.9% | 22.2% | 19.9% | 21.3% | 19.9% | 23.7% | 20.4% | 25.2% | 25.6% |
| — | +4.8% | +27.9% | +2.4% | -0.2% | -6.1% | -2.3% | -15.3% | -22.2% | -27.1% | -41.2% | +33.4% | -35.7% | |
| Net Margin | 21.3% | 21.5% | 23.0% | 20.7% | 19.6% | 20.2% | 18.5% | 19.6% | 19.1% | 20.8% | 19.0% | 22.1% | 23.2% |
| — | +6.1% | +24.3% | +5.7% | +2.9% | -2.9% | -2.3% | -11.3% | -17.8% | -23.7% | -36.2% | +28.5% | -35.9% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.1% | 3.2% | 3.4% | 2.8% | 2.6% | 3.1% | 2.9% | 3.2% | 3.0% | 3.8% | 3.0% | 3.5% | 3.5% |
| — | +5.9% | +18.3% | -11.4% | -14.3% | -20.1% | -4.5% | -9.8% | -13.6% | -6.4% | -23.1% | +62.0% | -1.8% | |
| ROA | 1.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% |
| — | +11.7% | +26.2% | -5.3% | -9.0% | -13.3% | +3.2% | -4.7% | -8.2% | -2.4% | -22.6% | +55.6% | -11.7% | |
| ROIC | 6.2% | 1.7% | 1.9% | 1.5% | 1.3% | 1.6% | 1.3% | 1.5% | 1.4% | 1.8% | 1.5% | 2.0% | 1.6% |
| — | +10.3% | +41.5% | -0.6% | -6.9% | -12.6% | -7.9% | -22.5% | -12.6% | -1.9% | -21.5% | +91.7% | -19.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
QCR Holdings, Inc.'s Debt/EBITDA ratio is 16.0x, up from 12.9x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 38166.6% YoY to 28.87x, strengthening the short-term liquidity position. Debt/Equity has risen for 4 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.56 | 0.56 | 0.52 | 0.48 | 0.42 | 0.57 | 0.67 | 0.82 | 0.54 | 0.81 | 0.86 | 0.51 | 0.52 |
| — | -2.4% | -23.2% | -40.9% | -22.1% | -29.7% | -21.6% | +61.4% | +3.9% | -24.2% | -9.7% | -35.1% | -21.5% | |
| Debt / EBITDA | 4.55 | 15.98 | 12.86 | 15.19 | 14.84 | 15.71 | 20.42 | 22.19 | 15.88 | 17.68 | 23.93 | 11.89 | 12.73 |
| — | +1.7% | -37.1% | -31.6% | -6.6% | -11.1% | -14.6% | +86.6% | +24.8% | -15.5% | +26.1% | -59.5% | -20.1% | |
| Current Ratio | 28.87 | 28.87 | 27.22 | 0.04 | 0.05 | 0.08 | 0.08 | 0.07 | 0.07 | 0.08 | 0.07 | 0.09 | 0.10 |
| — | +38166.6% | +33852.5% | -44.4% | -24.5% | -7.6% | +8.7% | -16.8% | -30.8% | +0.0% | -11.5% | -7.1% | -2.4% | |
| Quick Ratio | 28.87 | 28.87 | 27.22 | 0.04 | 0.05 | 0.08 | 0.08 | 0.07 | 0.07 | 0.08 | 0.07 | 0.09 | 0.10 |
| — | +38166.6% | +33852.5% | -44.4% | -24.5% | -7.6% | +8.7% | -16.8% | -30.8% | +0.0% | -11.5% | -7.1% | -2.4% | |
| Interest Coverage | 0.58 | 0.65 | 0.67 | 0.53 | 0.46 | 0.55 | 0.45 | 0.50 | 0.46 | 0.66 | 0.51 | 0.72 | 0.80 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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QCR Holdings, Inc.'s current P/E is 12.2x. The average P/E over the last 4 quarters is 10.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
QCR Holdings, Inc.'s current operating margin is 22.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking QCR Holdings, Inc.'s business trajectory between earnings reports.