QCR Holdings Inc (QCRH) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of QCR Holdings Inc stock $66.05, price $101, that is 34.5% below the price, quality 57 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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QCR Holdings Inc
QCRH · USOur calculation puts a fair price 35% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $35.93 – $106.43 · fair‑value band $59.17 – $88.28 · the $100.85 price screens above the $66.05 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Company profile
QCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. The company's deposit products include noninterest-bearing demand, interest-bearing demand, time, and brokered deposits.
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It also provides various commercial and retail lending/leasing, and investment services to corporations, partnerships, individuals, and government agencies.
In addition, the company offers loans to small and mid-sized businesses; business loans, including lines of credit for working capital and operational purposes; term loans for the acquisition of facilities, equipment, and other purposes; commercial and residential real estate loans; and installment and other consumer loans, such as motor vehicle, home improvement, home equity, signature loans, and small personal credit lines, as well as issuance of trust preferred securities.
QCR Holdings, Inc. was incorporated in 1993 and is headquartered in Moline, Illinois.
Stock analysis
QCR Holdings Inc (QCRH) currently trades at $100.85, while our model-based Fair Value estimate is $66.05, 35% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $87.78 per share, and 1 of the 6 models we run sit above the $100.85 price.
Bear case: the Asset-Based group reads lowest at $39.51, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $59.17 (bear) to $88.28 (bull), the price of $100.85 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
QCR Holdings Inc reported revenue of $597M in FY2025 versus $294M in FY2021, a compound +19.4%/yr. Reported net income was $127M in FY2025, compounding +6.5%/yr from FY2021.
Key figures
Market cap $1.7B Small · P/E ratio 11.9 · P/S ratio 4.40 · EPS (TTM) $8.50 · Dividend yield 0.1% · Net margin 37.6% · Return on equity 12.7% · Return on assets (EBIT) 1.5% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 34% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −35%, QCRH screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $5,415, on Jun 2, 2026. Over the same period, one person sold shares worth $71,220.
- SaleLaura L EkizianPresident & CEO, QCBT750 shares at $94.96$71,220Jun 9, 2026
- BuyAmy L ReasnerDirector2× since Apr 23, 2026: 160 shares, avg. $89.06$14,250Jun 2, 2026
- SaleJames D. KleinPresident, CRBT2× since Mar 12, 2026: 864 shares, avg. $85.55$73,915Apr 30, 2026
- SaleTodd A GipplePresident & CFO, Director8,590 shares at $89.92$772,413Jan 30, 2026
Plus 4 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
QCRH screens overvalued: fair value 35% below the price. Compare with China Merchants Bank Co →
Compare QCR Holdings Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Return on equity by industry
- Quality Score by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs QCRH |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs QCRH |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs QCRH |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs QCRH |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs QCRH |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs QCRH |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs QCRH |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs QCRH |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs QCRH |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs QCRH |
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Frequently asked questions
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Key figures of QCR Holdings Inc
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