Annual Income Statements for QCR
This table shows QCR's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.
Quarterly Income Statements for QCR
This table shows QCR's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Net Income / (Loss) Attributable to Common Shareholders |
|
29 |
-29 |
28 |
28 |
25 |
32 |
27 |
29 |
29 |
29 |
26 |
Consolidated Net Income / (Loss) |
|
29 |
31 |
27 |
28 |
25 |
33 |
27 |
29 |
28 |
30 |
26 |
Net Income / (Loss) Continuing Operations |
|
29 |
-29 |
28 |
28 |
25 |
32 |
27 |
29 |
29 |
29 |
26 |
Total Pre-Tax Income |
|
34 |
37 |
30 |
32 |
27 |
37 |
28 |
32 |
30 |
33 |
26 |
Total Revenue |
|
100 |
-0.72 |
120 |
131 |
135 |
-32 |
82 |
151 |
153 |
-98 |
77 |
Net Interest Income / (Expense) |
|
61 |
65 |
57 |
53 |
55 |
56 |
55 |
56 |
60 |
61 |
60 |
Total Interest Income |
|
79 |
94 |
94 |
98 |
109 |
112 |
115 |
120 |
125 |
122 |
117 |
Loans and Leases Interest Income |
|
58 |
69 |
67 |
68 |
73 |
76 |
77 |
80 |
82 |
78 |
100 |
Investment Securities Interest Income |
|
20 |
24 |
26 |
28 |
33 |
34 |
36 |
38 |
40 |
41 |
14 |
Deposits and Money Market Investments Interest Income |
|
0.38 |
0.51 |
0.82 |
1.12 |
1.21 |
0.99 |
1.20 |
1.14 |
1.92 |
1.82 |
1.80 |
Federal Funds Sold and Securities Borrowed Interest Income |
|
0.10 |
0.30 |
0.23 |
0.22 |
0.28 |
0.26 |
0.27 |
0.18 |
0.17 |
0.07 |
0.10 |
Other Interest Income |
|
0.67 |
0.63 |
0.51 |
0.51 |
0.66 |
0.67 |
0.67 |
0.87 |
0.84 |
0.61 |
0.53 |
Total Interest Expense |
|
18 |
29 |
37 |
45 |
53 |
57 |
60 |
64 |
66 |
60 |
57 |
Deposits Interest Expense |
|
13 |
21 |
30 |
38 |
44 |
48 |
51 |
53 |
55 |
53 |
50 |
Short-Term Borrowings Interest Expense |
|
0.08 |
0.21 |
0.10 |
0.03 |
0.01 |
0.04 |
0.02 |
0.02 |
0.03 |
0.02 |
0.02 |
Long-Term Debt Interest Expense |
|
5.79 |
7.48 |
7.53 |
6.69 |
9.73 |
8.86 |
8.91 |
11 |
10 |
7.14 |
6.28 |
Total Non-Interest Income |
|
21 |
21 |
26 |
33 |
27 |
48 |
27 |
31 |
27 |
31 |
17 |
Other Service Charges |
|
12 |
13 |
18 |
23 |
17 |
39 |
17 |
19 |
18 |
22 |
17 |
Net Realized & Unrealized Capital Gains on Investments |
|
1.60 |
0.25 |
-0.12 |
0.51 |
0.48 |
-0.92 |
0.24 |
0.55 |
0.39 |
-2.00 |
-0.65 |
Other Non-Interest Income |
|
7.92 |
-52 |
8.38 |
8.65 |
9.76 |
9.00 |
9.17 |
11 |
9.69 |
9.92 |
0.52 |
Provision for Credit Losses |
|
0.00 |
- |
3.93 |
3.61 |
3.81 |
5.20 |
2.97 |
5.50 |
3.48 |
5.15 |
4.23 |
Total Non-Interest Expense |
|
48 |
50 |
49 |
50 |
51 |
61 |
51 |
50 |
54 |
53 |
47 |
Salaries and Employee Benefits |
|
29 |
33 |
32 |
31 |
32 |
41 |
32 |
31 |
32 |
34 |
27 |
Net Occupancy & Equipment Expense |
|
6.03 |
6.03 |
5.91 |
6.10 |
6.23 |
6.79 |
6.51 |
6.38 |
6.17 |
6.35 |
6.46 |
Marketing Expense |
|
1.44 |
1.56 |
1.24 |
1.74 |
1.43 |
1.64 |
1.48 |
1.57 |
2.12 |
1.89 |
1.61 |
Other Operating Expenses |
|
9.71 |
8.91 |
8.44 |
9.33 |
10 |
12 |
10 |
9.80 |
10 |
12 |
10 |
Amortization Expense |
|
0.79 |
0.79 |
0.77 |
0.77 |
0.69 |
0.72 |
0.69 |
0.69 |
0.69 |
0.69 |
0.66 |
Income Tax Expense |
|
4.82 |
5.83 |
2.78 |
3.97 |
1.84 |
4.47 |
1.17 |
2.55 |
2.05 |
2.96 |
0.31 |
Basic Earnings per Share |
|
$1.73 |
$1.82 |
$1.62 |
$1.70 |
$1.50 |
$1.97 |
$1.59 |
$1.73 |
$1.65 |
$1.80 |
$1.53 |
Weighted Average Basic Shares Outstanding |
|
16.90M |
16.68M |
16.78M |
16.70M |
16.72M |
16.73M |
16.78M |
16.81M |
16.85M |
16.83M |
16.90M |
Diluted Earnings per Share |
|
$1.71 |
$1.80 |
$1.60 |
$1.69 |
$1.49 |
$1.95 |
$1.58 |
$1.72 |
$1.64 |
$1.77 |
$1.52 |
Weighted Average Diluted Shares Outstanding |
|
17.11M |
16.89M |
16.94M |
16.80M |
16.85M |
16.87M |
16.91M |
16.92M |
16.98M |
16.96M |
17.01M |
Weighted Average Basic & Diluted Shares Outstanding |
|
16.88M |
16.83M |
16.72M |
16.72M |
16.73M |
16.79M |
16.81M |
16.84M |
16.87M |
16.90M |
16.93M |
Cash Dividends to Common per Share |
|
$0.06 |
$0.06 |
$0.06 |
$0.06 |
$0.06 |
$0.06 |
$0.06 |
$0.06 |
$0.06 |
$0.06 |
$0.06 |
Annual Cash Flow Statements for QCR
This table details how cash moves in and out of QCR's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.
Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Net Change in Cash & Equivalents |
|
-3.72 |
3.51 |
29 |
5.15 |
9.80 |
-9.27 |
-15 |
-24 |
22 |
37 |
-5.39 |
Net Cash From Operating Activities |
|
26 |
30 |
43 |
34 |
64 |
76 |
112 |
88 |
119 |
376 |
445 |
Net Cash From Continuing Operating Activities |
|
26 |
30 |
43 |
34 |
64 |
76 |
112 |
88 |
119 |
376 |
445 |
Net Income / (Loss) Continuing Operations |
|
15 |
17 |
28 |
36 |
43 |
57 |
61 |
99 |
99 |
114 |
114 |
Consolidated Net Income / (Loss) |
|
15 |
17 |
28 |
36 |
43 |
57 |
61 |
99 |
99 |
114 |
114 |
Provision For Loan Losses |
|
6.81 |
6.87 |
7.48 |
8.47 |
13 |
7.07 |
56 |
3.49 |
8.28 |
17 |
17 |
Depreciation Expense |
|
2.81 |
3.07 |
3.42 |
3.95 |
4.45 |
5.23 |
5.33 |
5.36 |
7.66 |
8.73 |
8.47 |
Amortization Expense |
|
2.01 |
1.24 |
1.75 |
2.84 |
3.31 |
3.83 |
3.67 |
4.66 |
5.19 |
4.73 |
3.47 |
Non-Cash Adjustments to Reconcile Net Income |
|
-0.20 |
3.18 |
-7.45 |
-11 |
2.51 |
-4.57 |
-16 |
14 |
-9.04 |
236 |
319 |
Changes in Operating Assets and Liabilities, net |
|
-0.78 |
-1.19 |
10 |
-6.09 |
-1.77 |
7.54 |
2.78 |
-38 |
7.54 |
-3.08 |
-17 |
Net Cash From Investing Activities |
|
-130 |
-66 |
-169 |
-411 |
-334 |
-309 |
-704 |
-412 |
-635 |
-749 |
-845 |
Net Cash From Continuing Investing Activities |
|
-130 |
-66 |
-169 |
-411 |
-334 |
-309 |
-704 |
-412 |
-635 |
-749 |
-845 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-2.04 |
-4.39 |
-6.03 |
-5.76 |
-11 |
-12 |
-4.27 |
-14 |
-33 |
-15 |
-44 |
Purchase of Investment Securities |
|
-263 |
-410 |
-451 |
-563 |
-402 |
-403 |
-926 |
-597 |
-918 |
-905 |
-900 |
Sale of Property, Leasehold Improvements and Equipment |
|
- |
- |
- |
- |
0.00 |
2.56 |
0.10 |
1.73 |
2.06 |
0.50 |
0.00 |
Divestitures |
|
- |
- |
- |
- |
0.00 |
43 |
-0.15 |
0.00 |
145 |
0.00 |
0.00 |
Sale and/or Maturity of Investments |
|
119 |
306 |
257 |
128 |
32 |
-6.28 |
178 |
135 |
215 |
135 |
74 |
Net Increase in Fed Funds Sold |
|
-7.35 |
27 |
-1.71 |
-7.94 |
3.80 |
17 |
0.72 |
-3.29 |
-45 |
21 |
8.30 |
Other Investing Activities, net |
|
24 |
15 |
33 |
38 |
44 |
51 |
47 |
65 |
- |
14 |
17 |
Net Cash From Financing Activities |
|
101 |
39 |
154 |
382 |
279 |
223 |
577 |
300 |
538 |
410 |
395 |
Net Cash From Continuing Financing Activities |
|
160 |
39 |
154 |
382 |
279 |
223 |
577 |
300 |
538 |
410 |
395 |
Net Change in Deposits |
|
33 |
201 |
302 |
385 |
271 |
336 |
688 |
324 |
-15 |
530 |
547 |
Issuance of Debt |
|
135 |
52 |
56 |
70 |
62 |
88 |
167 |
-1.63 |
636 |
6.87 |
11 |
Issuance of Common Equity |
|
0.62 |
1.55 |
32 |
2.06 |
1.28 |
1.93 |
1.36 |
0.67 |
0.42 |
1.40 |
1.47 |
Repayment of Debt |
|
-8.13 |
-252 |
-209 |
-43 |
-13 |
-164 |
-153 |
-5.00 |
-26 |
-115 |
-160 |
Payment of Dividends |
|
-1.96 |
-0.78 |
-1.98 |
-2.49 |
-3.30 |
-3.77 |
-3.78 |
-3.79 |
-3.94 |
-4.03 |
-4.03 |
Other Financing Activities, Net |
|
-58 |
37 |
-24 |
-29 |
-40 |
-35 |
-122 |
-14 |
-53 |
-8.69 |
0.00 |
Cash Interest Paid |
|
17 |
14 |
12 |
19 |
39 |
59 |
32 |
23 |
59 |
188 |
248 |
Cash Income Taxes Paid |
|
4.54 |
2.62 |
11 |
-13 |
-0.03 |
-2.72 |
25 |
49 |
1.06 |
2.86 |
4.85 |
Quarterly Cash Flow Statements for QCR
This table details how cash moves in and out of QCR's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Net Change in Cash & Equivalents |
|
-6.10 |
-27 |
4.57 |
20 |
20 |
-7.14 |
-16 |
11 |
12 |
-12 |
7.26 |
Net Cash From Operating Activities |
|
23 |
42 |
22 |
39 |
25 |
291 |
2.74 |
26 |
238 |
177 |
-3.55 |
Net Cash From Continuing Operating Activities |
|
23 |
42 |
22 |
39 |
25 |
291 |
2.74 |
26 |
238 |
177 |
-3.55 |
Net Income / (Loss) Continuing Operations |
|
29 |
31 |
27 |
28 |
25 |
33 |
27 |
29 |
28 |
30 |
26 |
Consolidated Net Income / (Loss) |
|
29 |
31 |
27 |
28 |
25 |
33 |
27 |
29 |
28 |
30 |
26 |
Provision For Loan Losses |
|
- |
- |
3.93 |
3.61 |
3.81 |
5.20 |
2.97 |
5.50 |
3.48 |
5.15 |
4.23 |
Depreciation Expense |
|
2.08 |
1.96 |
2.01 |
2.03 |
2.09 |
2.59 |
2.24 |
2.28 |
1.68 |
2.27 |
2.21 |
Amortization Expense |
|
1.41 |
1.46 |
1.36 |
1.33 |
1.14 |
0.90 |
0.94 |
1.04 |
1.35 |
0.16 |
1.38 |
Non-Cash Adjustments to Reconcile Net Income |
|
-3.63 |
-8.78 |
0.29 |
-2.97 |
1.99 |
237 |
1.07 |
-3.93 |
196 |
125 |
1.70 |
Changes in Operating Assets and Liabilities, net |
|
-6.15 |
17 |
-13 |
6.27 |
-9.26 |
13 |
-31 |
-7.65 |
7.36 |
15 |
-39 |
Net Cash From Investing Activities |
|
-258 |
-230 |
-117 |
-123 |
-186 |
-323 |
-82 |
-251 |
-337 |
-175 |
-123 |
Net Cash From Continuing Investing Activities |
|
-258 |
-230 |
-117 |
-123 |
-186 |
-323 |
-82 |
-251 |
-337 |
-175 |
-123 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-3.15 |
-6.14 |
-1.70 |
-3.03 |
-3.29 |
-6.92 |
-12 |
-10 |
-8.23 |
-14 |
-9.12 |
Purchase of Investment Securities |
|
-256 |
-190 |
-80 |
-228 |
-279 |
-317 |
-158 |
-234 |
-292 |
-216 |
-90 |
Sale of Property, Leasehold Improvements and Equipment |
|
0.36 |
1.65 |
0.00 |
0.45 |
0.07 |
-0.01 |
0.00 |
- |
- |
- |
0.00 |
Sale and/or Maturity of Investments |
|
27 |
-6.73 |
-82 |
97 |
105 |
14 |
52 |
-5.82 |
-37 |
65 |
-53 |
Net Increase in Fed Funds Sold |
|
-26 |
-29 |
41 |
7.60 |
-12 |
-15 |
31 |
-4.00 |
-5.05 |
-14 |
18 |
Other Investing Activities, net |
|
- |
- |
5.92 |
2.50 |
3.25 |
2.33 |
5.00 |
3.35 |
5.18 |
3.73 |
10 |
Net Cash From Financing Activities |
|
228 |
162 |
100 |
104 |
181 |
25 |
63 |
236 |
111 |
-14 |
134 |
Net Cash From Continuing Financing Activities |
|
228 |
162 |
100 |
104 |
181 |
25 |
63 |
236 |
111 |
-14 |
134 |
Net Change in Deposits |
|
120 |
43 |
517 |
105 |
-112 |
19 |
293 |
-42 |
220 |
77 |
276 |
Issuance of Debt |
|
126 |
124 |
-409 |
544 |
- |
-128 |
1.20 |
279 |
-40 |
0.30 |
0.25 |
Issuance of Common Equity |
|
0.54 |
0.08 |
0.06 |
0.40 |
0.46 |
0.47 |
0.28 |
-0.27 |
1.24 |
0.23 |
-1.13 |
Repayment of Debt |
|
-7.27 |
- |
- |
- |
294 |
134 |
-230 |
- |
- |
-91 |
-140 |
Payment of Dividends |
|
-1.06 |
-1.01 |
-1.01 |
-1.01 |
-1.00 |
-1.00 |
-1.00 |
-1.01 |
-2.02 |
- |
-1.01 |
Cash Income Taxes Paid |
|
0.30 |
0.95 |
-0.30 |
1.33 |
1.18 |
0.64 |
0.06 |
3.01 |
1.29 |
0.50 |
0.04 |
Annual Balance Sheets for QCR
This table presents QCR's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Total Assets |
|
2,525 |
2,593 |
3,302 |
3,983 |
4,950 |
4,909 |
5,705 |
6,096 |
7,949 |
8,539 |
9,026 |
Cash and Due from Banks |
|
38 |
42 |
71 |
76 |
86 |
76 |
61 |
37 |
60 |
97 |
92 |
Federal Funds Sold |
|
47 |
20 |
22 |
30 |
26 |
9.80 |
9.08 |
12 |
57 |
35 |
27 |
Interest Bearing Deposits at Other Banks |
|
35 |
36 |
64 |
56 |
133 |
148 |
87 |
75 |
67 |
105 |
143 |
Trading Account Securities |
|
652 |
577 |
574 |
652 |
663 |
614 |
1,061 |
1,036 |
1,106 |
1,193 |
1,387 |
Loans and Leases, Net of Allowance |
|
1,607 |
1,772 |
2,375 |
2,930 |
3,693 |
3,654 |
4,167 |
4,601 |
6,051 |
6,456 |
6,695 |
Loans and Leases |
|
1,630 |
1,798 |
2,405 |
2,964 |
3,733 |
3,690 |
4,251 |
4,680 |
6,139 |
6,543 |
6,784 |
Allowance for Loan and Lease Losses |
|
23 |
26 |
31 |
34 |
40 |
36 |
84 |
79 |
88 |
87 |
90 |
Premises and Equipment, Net |
|
36 |
37 |
61 |
63 |
76 |
74 |
73 |
79 |
118 |
123 |
159 |
Goodwill |
|
3.22 |
3.22 |
13 |
28 |
78 |
75 |
74 |
74 |
138 |
139 |
139 |
Intangible Assets |
|
1.67 |
1.47 |
7.38 |
9.08 |
17 |
15 |
11 |
9.35 |
17 |
14 |
11 |
Other Assets |
|
105 |
104 |
115 |
138 |
178 |
243 |
162 |
156 |
336 |
376 |
373 |
Total Liabilities & Shareholders' Equity |
|
2,525 |
2,593 |
3,302 |
3,983 |
4,950 |
4,909 |
5,705 |
6,096 |
7,949 |
8,539 |
9,026 |
Total Liabilities |
|
2,381 |
2,367 |
3,016 |
3,629 |
4,477 |
4,374 |
5,111 |
1,373 |
7,176 |
7,652 |
8,029 |
Non-Interest Bearing Deposits |
|
512 |
615 |
797 |
790 |
791 |
777 |
1,145 |
1,269 |
1,263 |
1,039 |
921 |
Interest Bearing Deposits |
|
1,168 |
1,265 |
1,872 |
2,477 |
3,186 |
3,134 |
3,454 |
- |
4,721 |
5,475 |
6,140 |
Short-Term Debt |
|
268 |
255 |
120 |
80 |
96 |
102 |
5.43 |
3.80 |
330 |
217 |
217 |
Long-Term Debt |
|
394 |
189 |
171 |
229 |
309 |
266 |
172 |
- |
696 |
717 |
568 |
Other Long-Term Liabilities |
|
39 |
42 |
56 |
53 |
95 |
95 |
335 |
100 |
165 |
204 |
183 |
Total Equity & Noncontrolling Interests |
|
144 |
226 |
286 |
353 |
473 |
535 |
594 |
677 |
773 |
887 |
997 |
Total Preferred & Common Equity |
|
144 |
226 |
286 |
353 |
473 |
535 |
594 |
677 |
773 |
887 |
997 |
Preferred Stock |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Total Common Equity |
|
144 |
226 |
286 |
353 |
473 |
535 |
594 |
677 |
773 |
887 |
997 |
Common Stock |
|
70 |
135 |
170 |
203 |
286 |
291 |
292 |
289 |
388 |
388 |
392 |
Retained Earnings |
|
78 |
93 |
119 |
152 |
192 |
246 |
301 |
386 |
450 |
555 |
665 |
Accumulated Other Comprehensive Income / (Loss) |
|
-1.94 |
-2.12 |
-2.46 |
-1.67 |
-4.27 |
2.82 |
9.01 |
1.55 |
-45 |
-36 |
-38 |
Other Equity Adjustments |
|
- |
- |
- |
- |
-1.28 |
-3.92 |
-7.63 |
- |
-20 |
-20 |
-22 |
Quarterly Balance Sheets for QCR
This table presents QCR's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
Q2 2022 |
Q3 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q1 2025 |
Total Assets |
|
7,393 |
7,730 |
8,037 |
8,227 |
8,540 |
8,600 |
8,872 |
9,089 |
9,153 |
Cash and Due from Banks |
|
92 |
86 |
64 |
84 |
104 |
81 |
92 |
104 |
99 |
Federal Funds Sold |
|
2.15 |
28 |
16 |
8.77 |
20 |
4.15 |
8.15 |
13 |
8.90 |
Interest Bearing Deposits at Other Banks |
|
54 |
43 |
238 |
166 |
60 |
73 |
94 |
146 |
217 |
Trading Account Securities |
|
977 |
528 |
1,148 |
772 |
1,188 |
1,216 |
1,228 |
1,408 |
1,402 |
Loans and Leases, Net of Allowance |
|
5,705 |
6,455 |
-87 |
6,575 |
6,519 |
6,564 |
6,767 |
6,742 |
6,733 |
Loans and Leases |
|
5,798 |
6,545 |
- |
6,661 |
6,606 |
6,648 |
6,854 |
6,829 |
6,823 |
Allowance for Loan and Lease Losses |
|
92 |
90 |
87 |
86 |
88 |
84 |
88 |
86 |
90 |
Premises and Equipment, Net |
|
115 |
115 |
118 |
118 |
119 |
133 |
141 |
147 |
166 |
Goodwill |
|
138 |
138 |
138 |
139 |
139 |
139 |
139 |
139 |
139 |
Intangible Assets |
|
18 |
18 |
16 |
15 |
15 |
13 |
12 |
12 |
10 |
Other Assets |
|
290 |
320 |
6,525 |
348 |
376 |
377 |
391 |
377 |
378 |
Total Liabilities & Shareholders' Equity |
|
7,393 |
7,730 |
8,037 |
8,227 |
8,540 |
8,600 |
8,872 |
9,089 |
9,153 |
Total Liabilities |
|
6,650 |
6,993 |
8,140 |
7,404 |
7,712 |
7,692 |
7,936 |
8,112 |
8,130 |
Non-Interest Bearing Deposits |
|
1,514 |
1,316 |
7,692 |
1,102 |
1,028 |
955 |
956 |
969 |
964 |
Interest Bearing Deposits |
|
4,307 |
4,625 |
- |
5,505 |
5,467 |
5,852 |
5,808 |
6,015 |
6,374 |
Short-Term Debt |
|
1.07 |
85 |
1.10 |
1.85 |
321 |
214 |
223 |
289 |
209 |
Long-Term Debt |
|
582 |
616 |
281 |
417 |
712 |
487 |
767 |
658 |
428 |
Other Long-Term Liabilities |
|
246 |
350 |
166 |
379 |
184 |
184 |
181 |
181 |
156 |
Total Equity & Noncontrolling Interests |
|
743 |
737 |
801 |
823 |
828 |
907 |
936 |
977 |
1,023 |
Total Preferred & Common Equity |
|
743 |
737 |
801 |
823 |
828 |
907 |
936 |
977 |
1,023 |
Preferred Stock |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Total Common Equity |
|
743 |
737 |
801 |
823 |
828 |
907 |
936 |
977 |
1,023 |
Common Stock |
|
392 |
389 |
385 |
386 |
387 |
388 |
389 |
391 |
392 |
Retained Earnings |
|
401 |
423 |
472 |
499 |
523 |
581 |
609 |
636 |
690 |
Accumulated Other Comprehensive Income / (Loss) |
|
-35 |
-75 |
-56 |
-62 |
-55 |
-39 |
-39 |
-32 |
-40 |
Other Equity Adjustments |
|
-15 |
- |
- |
- |
-26 |
-23 |
-23 |
-18 |
-19 |
Annual Metrics And Ratios for QCR
This table displays calculated financial ratios and metrics derived from QCR's official financial filings.
Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
5.15% |
11.41% |
144.98% |
18.30% |
31.77% |
-23.30% |
5.88% |
-3.71% |
3.75% |
13.42% |
-1.80% |
EBITDA Growth |
|
64.95% |
9.15% |
553.77% |
18.31% |
35.17% |
-45.61% |
-19.69% |
34.91% |
-17.60% |
10.81% |
-3.96% |
EBIT Growth |
|
23.82% |
14.48% |
665.31% |
17.88% |
35.93% |
-47.53% |
-21.00% |
36.94% |
-20.81% |
11.51% |
-3.19% |
NOPAT Growth |
|
0.10% |
13.21% |
63.56% |
28.97% |
20.76% |
33.14% |
5.53% |
63.26% |
0.16% |
14.63% |
0.26% |
Net Income Growth |
|
0.10% |
13.21% |
63.56% |
28.97% |
20.76% |
33.14% |
5.53% |
63.26% |
0.16% |
14.63% |
0.26% |
EPS Growth |
|
-17.31% |
-6.40% |
34.78% |
20.28% |
9.58% |
25.87% |
5.56% |
63.16% |
-5.32% |
14.65% |
-0.30% |
Operating Cash Flow Growth |
|
-20.09% |
17.57% |
44.14% |
-22.29% |
90.64% |
19.02% |
46.65% |
-21.36% |
34.55% |
217.04% |
18.13% |
Free Cash Flow Firm Growth |
|
-931.23% |
290.17% |
-21.35% |
-141.47% |
-243.98% |
119.03% |
487.16% |
-2,104.55% |
178.47% |
-96.95% |
65.56% |
Invested Capital Growth |
|
13.46% |
-16.93% |
-13.89% |
14.87% |
32.49% |
2.81% |
-14.60% |
513.17% |
-61.93% |
1.18% |
-2.14% |
Revenue Q/Q Growth |
|
-18.17% |
2.39% |
113.67% |
-10.80% |
-1.45% |
-37.57% |
11.74% |
52.31% |
-19.54% |
-20.85% |
-42.60% |
EBITDA Q/Q Growth |
|
-4.99% |
29.80% |
317.95% |
-18.47% |
-3.66% |
-56.87% |
30.77% |
368.40% |
-41.11% |
-43.88% |
-65.14% |
EBIT Q/Q Growth |
|
-4.49% |
38.36% |
360.43% |
-19.15% |
-3.83% |
-58.48% |
34.08% |
526.62% |
-44.01% |
-46.40% |
-67.13% |
NOPAT Q/Q Growth |
|
-3.69% |
28.87% |
6.72% |
4.00% |
8.60% |
4.70% |
4.09% |
9.69% |
4.09% |
1.75% |
-2.26% |
Net Income Q/Q Growth |
|
-23.66% |
28.87% |
6.72% |
4.00% |
8.60% |
4.70% |
4.09% |
9.69% |
4.09% |
1.75% |
-2.26% |
EPS Q/Q Growth |
|
-6.52% |
15.83% |
2.84% |
1.95% |
5.15% |
4.65% |
4.11% |
9.73% |
1.73% |
2.28% |
-2.61% |
Operating Cash Flow Q/Q Growth |
|
26.58% |
0.55% |
32.49% |
-24.59% |
48.01% |
4.05% |
-29.75% |
87.03% |
18.06% |
195.35% |
-20.36% |
Free Cash Flow Firm Q/Q Growth |
|
-350.08% |
523.00% |
9.58% |
-376.42% |
41.05% |
-78.95% |
232.08% |
-1,381.76% |
693.39% |
129.71% |
180.37% |
Invested Capital Q/Q Growth |
|
17.12% |
-1.06% |
-2.69% |
8.80% |
-6.69% |
7.44% |
-26.16% |
467.24% |
25.08% |
-2.16% |
-7.33% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
25.25% |
24.74% |
66.02% |
66.03% |
67.73% |
48.02% |
36.43% |
51.04% |
40.53% |
39.60% |
38.73% |
EBIT Margin |
|
19.91% |
20.46% |
63.92% |
63.70% |
65.71% |
44.95% |
33.54% |
47.70% |
36.41% |
35.80% |
35.29% |
Profit (Net Income) Margin |
|
16.55% |
16.82% |
11.23% |
12.24% |
11.22% |
19.47% |
19.41% |
32.91% |
31.77% |
32.11% |
32.78% |
Tax Burden Percent |
|
83.11% |
82.19% |
75.67% |
87.83% |
82.71% |
79.70% |
82.66% |
81.43% |
87.25% |
89.68% |
92.88% |
Interest Burden Percent |
|
100.00% |
100.00% |
23.21% |
21.88% |
20.64% |
54.34% |
69.99% |
84.71% |
100.00% |
100.00% |
100.00% |
Effective Tax Rate |
|
16.89% |
17.81% |
24.33% |
12.17% |
17.29% |
20.30% |
17.34% |
18.57% |
12.75% |
10.32% |
7.12% |
Return on Invested Capital (ROIC) |
|
1.97% |
2.29% |
4.44% |
5.76% |
5.60% |
6.45% |
7.24% |
3.60% |
3.04% |
6.27% |
6.32% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
1.97% |
2.29% |
4.44% |
5.76% |
5.60% |
6.45% |
7.24% |
3.60% |
3.04% |
6.27% |
6.32% |
Return on Net Nonoperating Assets (RNNOA) |
|
8.28% |
6.86% |
6.38% |
5.41% |
4.84% |
4.94% |
3.49% |
11.97% |
10.63% |
7.41% |
5.77% |
Return on Equity (ROE) |
|
10.25% |
9.15% |
10.82% |
11.17% |
10.44% |
11.39% |
10.73% |
15.57% |
13.67% |
13.69% |
12.09% |
Cash Return on Invested Capital (CROIC) |
|
-10.64% |
20.79% |
19.36% |
-8.08% |
-22.35% |
3.68% |
22.99% |
-140.31% |
92.75% |
5.10% |
8.48% |
Operating Return on Assets (OROA) |
|
0.73% |
0.80% |
5.35% |
5.10% |
5.66% |
2.69% |
1.97% |
2.43% |
1.62% |
1.54% |
1.40% |
Return on Assets (ROA) |
|
0.61% |
0.66% |
0.94% |
0.98% |
0.97% |
1.16% |
1.14% |
1.68% |
1.41% |
1.38% |
1.30% |
Return on Common Equity (ROCE) |
|
10.25% |
9.15% |
10.82% |
11.17% |
10.44% |
11.39% |
10.73% |
15.57% |
13.67% |
13.69% |
12.09% |
Return on Equity Simple (ROE_SIMPLE) |
|
10.38% |
7.49% |
9.68% |
10.11% |
9.11% |
10.72% |
10.20% |
14.61% |
12.82% |
12.81% |
11.41% |
Net Operating Profit after Tax (NOPAT) |
|
15 |
17 |
28 |
36 |
43 |
57 |
61 |
99 |
99 |
114 |
114 |
NOPAT Margin |
|
16.55% |
16.82% |
11.23% |
12.24% |
11.22% |
19.47% |
19.41% |
32.91% |
31.77% |
32.11% |
32.78% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
SG&A Expenses to Revenue |
|
55.02% |
51.57% |
23.05% |
23.75% |
22.22% |
37.89% |
37.17% |
40.28% |
45.63% |
47.41% |
46.26% |
Operating Expenses to Revenue |
|
72.55% |
72.71% |
33.04% |
33.40% |
31.00% |
52.65% |
48.61% |
51.14% |
60.93% |
59.52% |
59.78% |
Earnings before Interest and Taxes (EBIT) |
|
18 |
21 |
158 |
186 |
253 |
133 |
105 |
143 |
114 |
127 |
123 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
23 |
25 |
163 |
193 |
260 |
142 |
114 |
153 |
126 |
140 |
135 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
0.00 |
0.00 |
1.90 |
1.62 |
1.03 |
1.26 |
1.04 |
1.28 |
1.08 |
1.10 |
1.36 |
Price to Tangible Book Value (P/TBV) |
|
0.00 |
0.00 |
2.05 |
1.82 |
1.29 |
1.52 |
1.21 |
1.45 |
1.34 |
1.33 |
1.60 |
Price to Revenue (P/Rev) |
|
0.00 |
0.00 |
2.20 |
1.97 |
1.27 |
2.29 |
1.97 |
2.87 |
2.66 |
2.75 |
3.92 |
Price to Earnings (P/E) |
|
0.00 |
0.00 |
3.65 |
3.17 |
2.00 |
11.78 |
10.15 |
8.73 |
8.39 |
8.57 |
11.95 |
Dividend Yield |
|
0.47% |
0.35% |
0.39% |
0.48% |
0.77% |
0.56% |
0.62% |
0.43% |
0.49% |
0.41% |
0.30% |
Earnings Yield |
|
0.00% |
0.00% |
27.37% |
31.52% |
49.94% |
8.49% |
9.85% |
11.46% |
11.92% |
11.67% |
8.37% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.00 |
0.00 |
1.17 |
1.09 |
0.74 |
0.90 |
0.82 |
0.16 |
0.93 |
0.92 |
1.06 |
Enterprise Value to Revenue (EV/Rev) |
|
0.00 |
0.00 |
2.75 |
2.47 |
1.68 |
2.75 |
2.03 |
2.47 |
5.37 |
4.72 |
5.42 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
0.00 |
0.00 |
4.16 |
3.75 |
2.49 |
5.72 |
5.59 |
4.84 |
13.24 |
11.92 |
13.99 |
Enterprise Value to EBIT (EV/EBIT) |
|
0.00 |
0.00 |
4.30 |
3.88 |
2.56 |
6.11 |
6.07 |
5.17 |
14.74 |
13.19 |
15.36 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
0.00 |
0.00 |
24.47 |
20.21 |
15.02 |
14.10 |
10.48 |
7.50 |
16.89 |
14.71 |
16.53 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
0.00 |
0.00 |
15.62 |
21.40 |
10.08 |
10.58 |
5.66 |
8.41 |
14.10 |
4.44 |
4.23 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
0.00 |
5.61 |
0.00 |
0.00 |
24.70 |
3.30 |
0.00 |
0.55 |
18.10 |
12.32 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
4.60 |
1.97 |
1.02 |
0.88 |
0.86 |
0.69 |
0.30 |
0.01 |
1.33 |
1.05 |
0.79 |
Long-Term Debt to Equity |
|
2.74 |
0.84 |
0.60 |
0.65 |
0.65 |
0.50 |
0.29 |
0.00 |
0.90 |
0.81 |
0.57 |
Financial Leverage |
|
4.20 |
2.99 |
1.44 |
0.94 |
0.86 |
0.77 |
0.48 |
3.33 |
3.50 |
1.18 |
0.91 |
Leverage Ratio |
|
16.87 |
13.83 |
11.52 |
11.39 |
10.81 |
9.78 |
9.40 |
9.29 |
9.69 |
9.94 |
9.32 |
Compound Leverage Factor |
|
16.87 |
13.83 |
2.67 |
2.49 |
2.23 |
5.31 |
6.58 |
7.87 |
9.69 |
9.94 |
9.32 |
Debt to Total Capital |
|
82.14% |
66.29% |
50.43% |
46.70% |
46.12% |
40.70% |
22.97% |
0.56% |
57.05% |
51.30% |
44.02% |
Short-Term Debt to Total Capital |
|
33.27% |
38.01% |
20.79% |
12.07% |
10.94% |
11.28% |
0.70% |
0.56% |
18.36% |
11.93% |
12.16% |
Long-Term Debt to Total Capital |
|
48.87% |
28.28% |
29.63% |
34.63% |
35.18% |
29.41% |
22.27% |
0.00% |
38.70% |
39.37% |
31.86% |
Preferred Equity to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Common Equity to Total Capital |
|
17.86% |
33.71% |
49.57% |
53.30% |
53.88% |
59.30% |
77.03% |
99.44% |
42.95% |
48.70% |
55.98% |
Debt to EBITDA |
|
29.04 |
17.84 |
1.79 |
1.61 |
1.56 |
2.59 |
1.56 |
0.02 |
8.12 |
6.67 |
5.83 |
Net Debt to EBITDA |
|
23.77 |
13.90 |
0.82 |
0.77 |
0.61 |
0.94 |
0.18 |
-0.79 |
6.67 |
4.97 |
3.88 |
Long-Term Debt to EBITDA |
|
17.28 |
7.61 |
1.05 |
1.19 |
1.19 |
1.88 |
1.51 |
0.00 |
5.51 |
5.12 |
4.22 |
Debt to NOPAT |
|
44.31 |
26.24 |
10.51 |
8.67 |
9.39 |
6.40 |
2.92 |
0.04 |
10.36 |
8.23 |
6.89 |
Net Debt to NOPAT |
|
36.26 |
20.45 |
4.85 |
4.14 |
3.71 |
2.32 |
0.33 |
-1.23 |
8.51 |
6.13 |
4.59 |
Long-Term Debt to NOPAT |
|
26.36 |
11.19 |
6.18 |
6.43 |
7.16 |
4.63 |
2.83 |
0.00 |
7.03 |
6.31 |
4.99 |
Noncontrolling Interest Sharing Ratio |
|
0.01% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
-81 |
154 |
121 |
-50 |
-172 |
33 |
192 |
-3,857 |
3,027 |
92 |
153 |
Operating Cash Flow to CapEx |
|
1,257.45% |
684.95% |
719.16% |
585.19% |
560.98% |
775.25% |
2,692.03% |
719.85% |
380.43% |
2,605.75% |
999.21% |
Free Cash Flow to Firm to Interest Expense |
|
-4.78 |
11.20 |
10.10 |
-2.57 |
-4.25 |
0.54 |
6.12 |
-175.95 |
49.25 |
0.48 |
0.61 |
Operating Cash Flow to Interest Expense |
|
1.52 |
2.20 |
3.63 |
1.73 |
1.59 |
1.26 |
3.57 |
4.02 |
1.93 |
1.96 |
1.78 |
Operating Cash Flow Less CapEx to Interest Expense |
|
1.39 |
1.88 |
3.13 |
1.44 |
1.30 |
1.10 |
3.44 |
3.47 |
1.42 |
1.88 |
1.60 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.04 |
0.04 |
0.08 |
0.08 |
0.09 |
0.06 |
0.06 |
0.05 |
0.04 |
0.04 |
0.04 |
Fixed Asset Turnover |
|
2.48 |
2.74 |
5.03 |
4.72 |
5.55 |
3.95 |
4.26 |
3.98 |
3.17 |
2.93 |
2.46 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
807 |
670 |
577 |
663 |
878 |
903 |
771 |
4,727 |
1,799 |
1,821 |
1,782 |
Invested Capital Turnover |
|
0.12 |
0.14 |
0.40 |
0.47 |
0.50 |
0.33 |
0.37 |
0.11 |
0.10 |
0.20 |
0.19 |
Increase / (Decrease) in Invested Capital |
|
96 |
-137 |
-93 |
86 |
215 |
25 |
-132 |
3,956 |
-2,928 |
21 |
-39 |
Enterprise Value (EV) |
|
0.00 |
0.00 |
678 |
722 |
648 |
810 |
635 |
742 |
1,674 |
1,670 |
1,882 |
Market Capitalization |
|
0.00 |
0.00 |
543 |
574 |
488 |
676 |
615 |
863 |
831 |
973 |
1,360 |
Book Value per Share |
|
$18.18 |
$21.83 |
$21.88 |
$25.44 |
$30.19 |
$33.89 |
$37.60 |
$43.41 |
$45.77 |
$52.99 |
$59.13 |
Tangible Book Value per Share |
|
$17.56 |
$21.38 |
$20.31 |
$22.74 |
$24.11 |
$28.21 |
$32.19 |
$38.06 |
$36.62 |
$43.85 |
$50.25 |
Total Capital |
|
807 |
670 |
577 |
663 |
878 |
903 |
771 |
681 |
1,799 |
1,821 |
1,782 |
Total Debt |
|
663 |
444 |
291 |
309 |
405 |
367 |
177 |
3.80 |
1,027 |
934 |
784 |
Total Long-Term Debt |
|
394 |
189 |
171 |
229 |
309 |
266 |
172 |
0.00 |
696 |
717 |
568 |
Net Debt |
|
542 |
346 |
134 |
148 |
160 |
133 |
20 |
-121 |
843 |
697 |
522 |
Capital Expenditures (CapEx) |
|
2.04 |
4.39 |
6.03 |
5.76 |
11 |
9.87 |
4.17 |
12 |
31 |
14 |
44 |
Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Net Nonoperating Obligations (NNO) |
|
663 |
444 |
291 |
309 |
405 |
367 |
177 |
4,050 |
1,027 |
934 |
784 |
Total Depreciation and Amortization (D&A) |
|
4.82 |
4.30 |
5.17 |
6.79 |
7.76 |
9.05 |
9.00 |
10 |
13 |
13 |
12 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$1.75 |
$1.64 |
$2.20 |
$2.68 |
$2.92 |
$3.65 |
$3.84 |
$6.30 |
$5.94 |
$6.79 |
$6.77 |
Adjusted Weighted Average Basic Shares Outstanding |
|
7.93M |
10.35M |
12.57M |
13.33M |
14.77M |
15.73M |
15.77M |
15.71M |
16.68M |
16.73M |
16.83M |
Adjusted Diluted Earnings per Share |
|
$1.72 |
$1.61 |
$2.17 |
$2.61 |
$2.86 |
$3.60 |
$3.80 |
$6.20 |
$5.87 |
$6.73 |
$6.71 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
8.05M |
10.50M |
12.77M |
13.68M |
15.06M |
15.97M |
15.95M |
15.94M |
16.89M |
16.87M |
16.96M |
Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
7.99M |
11.81M |
13.14M |
13.93M |
15.74M |
15.87M |
15.83M |
15.64M |
16.83M |
16.79M |
16.90M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
15 |
23 |
33 |
40 |
46 |
66 |
65 |
99 |
107 |
114 |
116 |
Normalized NOPAT Margin |
|
16.55% |
22.68% |
13.38% |
13.86% |
12.05% |
22.27% |
20.85% |
33.08% |
34.35% |
32.16% |
33.42% |
Pre Tax Income Margin |
|
19.91% |
20.46% |
14.84% |
13.94% |
13.56% |
24.43% |
23.48% |
40.41% |
36.41% |
35.80% |
35.29% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
1.07 |
1.50 |
13.19 |
9.55 |
6.24 |
2.19 |
3.33 |
6.54 |
1.85 |
0.66 |
0.49 |
NOPAT to Interest Expense |
|
0.89 |
1.24 |
2.32 |
1.84 |
1.07 |
0.95 |
1.93 |
4.51 |
1.61 |
0.59 |
0.46 |
EBIT Less CapEx to Interest Expense |
|
0.94 |
1.18 |
12.69 |
9.26 |
5.96 |
2.03 |
3.20 |
5.98 |
1.34 |
0.58 |
0.31 |
NOPAT Less CapEx to Interest Expense |
|
0.76 |
0.91 |
1.81 |
1.54 |
0.78 |
0.79 |
1.80 |
3.95 |
1.10 |
0.52 |
0.28 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
13.14% |
4.62% |
7.16% |
6.98% |
7.65% |
6.56% |
6.24% |
3.84% |
3.98% |
3.55% |
3.54% |
Augmented Payout Ratio |
|
13.14% |
4.62% |
7.16% |
6.98% |
7.65% |
6.56% |
6.24% |
3.84% |
3.98% |
3.55% |
3.54% |
Quarterly Metrics And Ratios for QCR
This table displays calculated financial ratios and metrics derived from QCR's official financial filings.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
16.27% |
-100.96% |
-0.96% |
43.86% |
34.67% |
-4,385.06% |
18.20% |
15.08% |
12.89% |
-201.61% |
-5.74% |
EBITDA Growth |
|
18.32% |
-213.98% |
-19.80% |
177.82% |
48.84% |
-102.30% |
29.30% |
21.81% |
18.01% |
-62.01% |
-4.45% |
EBIT Growth |
|
17.10% |
-229.88% |
-21.52% |
203.71% |
52.57% |
-95.49% |
31.04% |
22.80% |
19.00% |
-58.73% |
-6.43% |
NOPAT Growth |
|
-7.19% |
14.43% |
14.96% |
86.49% |
-14.25% |
6.31% |
-1.59% |
2.42% |
10.60% |
-8.00% |
-3.48% |
Net Income Growth |
|
-7.19% |
14.43% |
14.96% |
86.49% |
-14.25% |
6.31% |
-1.59% |
2.42% |
10.60% |
-8.00% |
-3.48% |
EPS Growth |
|
-14.07% |
5.88% |
7.38% |
94.25% |
-12.87% |
8.33% |
-1.25% |
1.78% |
10.07% |
-9.23% |
-3.80% |
Operating Cash Flow Growth |
|
-27.14% |
75.93% |
213.33% |
-17.12% |
8.21% |
591.72% |
-87.39% |
-31.92% |
856.62% |
-39.06% |
-229.52% |
Free Cash Flow Firm Growth |
|
-337.68% |
175.30% |
430.35% |
123.60% |
31.06% |
-99.61% |
-246.26% |
-677.64% |
91.38% |
498.45% |
98.21% |
Invested Capital Growth |
|
72.63% |
-61.93% |
-83.84% |
-6.43% |
29.35% |
1.18% |
796.10% |
55.25% |
3.33% |
-2.14% |
3.17% |
Revenue Q/Q Growth |
|
10.30% |
-100.72% |
97.70% |
9.03% |
3.26% |
-123.99% |
-11.30% |
6.15% |
1.29% |
-164.10% |
178.61% |
EBITDA Q/Q Growth |
|
92.63% |
-183.76% |
389.09% |
14.45% |
3.20% |
-213.84% |
-6.07% |
7.81% |
-0.02% |
-256.29% |
119.28% |
EBIT Q/Q Growth |
|
106.02% |
-195.83% |
510.52% |
15.17% |
3.49% |
-222.78% |
-5.96% |
7.94% |
0.29% |
-263.77% |
116.69% |
NOPAT Q/Q Growth |
|
92.19% |
5.50% |
-12.13% |
4.67% |
-11.62% |
30.79% |
-18.65% |
8.94% |
-4.56% |
8.78% |
-14.65% |
Net Income Q/Q Growth |
|
92.19% |
5.50% |
-12.13% |
4.67% |
-11.62% |
30.79% |
-18.65% |
8.94% |
-4.56% |
8.78% |
-14.65% |
EPS Q/Q Growth |
|
96.55% |
5.26% |
-11.11% |
5.63% |
-11.83% |
30.87% |
-18.97% |
8.86% |
-4.65% |
7.93% |
-14.12% |
Operating Cash Flow Q/Q Growth |
|
-50.72% |
82.86% |
-48.26% |
77.78% |
-35.67% |
1,068.95% |
-99.06% |
860.02% |
803.93% |
-25.53% |
-102.00% |
Free Cash Flow Firm Q/Q Growth |
|
-19.57% |
613.68% |
-67.59% |
-88.14% |
-449.29% |
102.91% |
-12,244.17% |
53.18% |
94.79% |
301.96% |
-136.38% |
Invested Capital Q/Q Growth |
|
8.46% |
25.08% |
-90.02% |
591.33% |
49.93% |
-2.16% |
-11.64% |
19.78% |
-0.21% |
-7.33% |
-6.86% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
55.91% |
0.00% |
58.89% |
61.82% |
61.79% |
0.00% |
64.43% |
65.44% |
64.59% |
0.00% |
38.62% |
EBIT Margin |
|
52.43% |
0.00% |
56.09% |
59.26% |
59.39% |
0.00% |
62.19% |
63.23% |
62.61% |
0.00% |
33.96% |
Profit (Net Income) Margin |
|
29.19% |
0.00% |
22.62% |
21.72% |
18.59% |
0.00% |
18.83% |
19.33% |
18.21% |
0.00% |
33.56% |
Tax Burden Percent |
|
85.86% |
84.12% |
90.71% |
87.75% |
93.18% |
88.02% |
95.80% |
91.94% |
93.14% |
91.09% |
98.82% |
Interest Burden Percent |
|
64.84% |
-72.87% |
44.46% |
41.76% |
33.59% |
-37.87% |
31.61% |
33.25% |
31.23% |
-21.21% |
100.00% |
Effective Tax Rate |
|
14.14% |
15.88% |
9.29% |
12.25% |
6.82% |
11.98% |
4.20% |
8.06% |
6.86% |
8.91% |
1.18% |
Return on Invested Capital (ROIC) |
|
9.96% |
0.00% |
13.04% |
6.97% |
5.03% |
0.00% |
11.96% |
7.17% |
5.82% |
0.00% |
7.04% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
9.96% |
0.00% |
13.04% |
6.97% |
5.03% |
0.00% |
11.96% |
7.17% |
5.82% |
0.00% |
7.04% |
Return on Net Nonoperating Assets (RNNOA) |
|
6.36% |
0.00% |
-1.59% |
4.46% |
5.58% |
0.00% |
0.56% |
5.74% |
6.38% |
0.00% |
4.88% |
Return on Equity (ROE) |
|
16.31% |
0.00% |
11.46% |
11.43% |
10.61% |
0.00% |
12.52% |
12.91% |
12.21% |
0.00% |
11.91% |
Cash Return on Invested Capital (CROIC) |
|
-44.90% |
92.75% |
160.26% |
15.66% |
-18.83% |
5.10% |
-147.19% |
-36.11% |
2.88% |
8.48% |
3.79% |
Operating Return on Assets (OROA) |
|
2.96% |
0.00% |
2.94% |
3.13% |
3.26% |
0.00% |
4.25% |
4.35% |
4.30% |
0.00% |
1.31% |
Return on Assets (ROA) |
|
1.65% |
0.00% |
1.18% |
1.15% |
1.02% |
0.00% |
1.29% |
1.33% |
1.25% |
0.00% |
1.30% |
Return on Common Equity (ROCE) |
|
16.31% |
0.00% |
11.46% |
11.43% |
10.61% |
0.00% |
12.52% |
12.91% |
12.21% |
0.00% |
11.91% |
Return on Equity Simple (ROE_SIMPLE) |
|
12.91% |
0.00% |
12.80% |
14.07% |
13.47% |
0.00% |
12.47% |
12.16% |
11.93% |
0.00% |
11.04% |
Net Operating Profit after Tax (NOPAT) |
|
29 |
31 |
27 |
28 |
25 |
33 |
27 |
29 |
28 |
30 |
26 |
NOPAT Margin |
|
29.19% |
0.00% |
22.62% |
21.72% |
18.59% |
0.00% |
18.83% |
19.33% |
18.21% |
0.00% |
33.56% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
SG&A Expenses to Revenue |
|
36.51% |
0.00% |
32.61% |
30.02% |
29.41% |
0.00% |
28.09% |
25.90% |
26.17% |
0.00% |
46.09% |
Operating Expenses to Revenue |
|
47.57% |
0.00% |
40.63% |
37.99% |
37.79% |
0.00% |
35.72% |
33.12% |
35.11% |
0.00% |
60.54% |
Earnings before Interest and Taxes (EBIT) |
|
53 |
-50 |
67 |
78 |
80 |
-99 |
88 |
95 |
96 |
-156 |
26 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
56 |
-47 |
71 |
81 |
84 |
-95 |
91 |
99 |
99 |
-154 |
30 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
1.17 |
1.08 |
0.92 |
0.83 |
0.98 |
1.10 |
1.12 |
1.08 |
1.28 |
1.36 |
1.18 |
Price to Tangible Book Value (P/TBV) |
|
1.48 |
1.34 |
1.14 |
1.02 |
1.20 |
1.33 |
1.35 |
1.28 |
1.51 |
1.60 |
1.38 |
Price to Revenue (P/Rev) |
|
2.22 |
2.66 |
1.97 |
1.66 |
1.81 |
2.75 |
1.79 |
1.72 |
2.06 |
3.92 |
3.52 |
Price to Earnings (P/E) |
|
5.56 |
8.39 |
17.02 |
12.12 |
15.38 |
8.57 |
9.04 |
8.89 |
10.69 |
11.95 |
10.67 |
Dividend Yield |
|
0.48% |
0.49% |
0.55% |
0.59% |
0.50% |
0.41% |
0.40% |
0.40% |
0.32% |
0.30% |
0.34% |
Earnings Yield |
|
17.98% |
11.92% |
5.88% |
8.25% |
6.50% |
11.67% |
11.06% |
11.24% |
9.35% |
8.37% |
9.37% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.98 |
0.93 |
3.89 |
0.68 |
0.89 |
0.92 |
0.97 |
0.94 |
1.00 |
1.06 |
0.91 |
Enterprise Value to Revenue (EV/Rev) |
|
3.63 |
5.37 |
1.88 |
2.04 |
3.70 |
4.72 |
2.75 |
3.07 |
3.19 |
5.42 |
4.43 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
6.55 |
13.24 |
4.10 |
3.79 |
6.63 |
11.92 |
4.42 |
4.87 |
5.00 |
13.99 |
11.40 |
Enterprise Value to EBIT (EV/EBIT) |
|
6.94 |
14.74 |
4.46 |
4.04 |
7.01 |
13.19 |
4.60 |
5.05 |
5.18 |
15.36 |
12.56 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
14.78 |
16.89 |
6.81 |
7.27 |
14.83 |
14.71 |
13.81 |
15.85 |
16.57 |
16.53 |
13.44 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
13.99 |
14.10 |
5.23 |
6.71 |
12.99 |
4.44 |
4.37 |
5.23 |
3.46 |
4.23 |
3.46 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
0.55 |
0.68 |
4.19 |
0.00 |
18.10 |
0.00 |
0.00 |
35.43 |
12.32 |
24.48 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
0.95 |
1.33 |
0.35 |
0.51 |
1.25 |
1.05 |
0.77 |
1.06 |
0.97 |
0.79 |
0.62 |
Long-Term Debt to Equity |
|
0.84 |
0.90 |
0.35 |
0.51 |
0.86 |
0.81 |
0.54 |
0.82 |
0.67 |
0.57 |
0.42 |
Financial Leverage |
|
0.64 |
3.50 |
-0.12 |
0.64 |
1.11 |
1.18 |
0.05 |
0.80 |
1.10 |
0.91 |
0.69 |
Leverage Ratio |
|
9.91 |
9.69 |
9.67 |
9.98 |
10.39 |
9.94 |
9.74 |
9.72 |
9.77 |
9.32 |
9.20 |
Compound Leverage Factor |
|
6.43 |
-7.06 |
4.30 |
4.17 |
3.49 |
-3.76 |
3.08 |
3.23 |
3.05 |
-1.98 |
9.20 |
Debt to Total Capital |
|
48.76% |
57.05% |
26.06% |
33.71% |
55.48% |
51.30% |
43.60% |
51.41% |
49.21% |
44.02% |
38.37% |
Short-Term Debt to Total Capital |
|
5.92% |
18.36% |
0.10% |
0.15% |
17.23% |
11.93% |
13.33% |
11.59% |
15.01% |
12.16% |
12.59% |
Long-Term Debt to Total Capital |
|
42.84% |
38.70% |
25.96% |
33.56% |
38.25% |
39.37% |
30.27% |
39.81% |
34.20% |
31.86% |
25.78% |
Preferred Equity to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Common Equity to Total Capital |
|
51.24% |
42.95% |
73.94% |
66.29% |
44.52% |
48.70% |
56.40% |
48.59% |
50.79% |
55.98% |
61.63% |
Debt to EBITDA |
|
3.27 |
8.12 |
1.66 |
1.88 |
4.14 |
6.67 |
1.99 |
2.67 |
2.45 |
5.83 |
4.78 |
Net Debt to EBITDA |
|
2.54 |
6.67 |
-0.21 |
0.72 |
3.40 |
4.97 |
1.54 |
2.15 |
1.77 |
3.88 |
2.34 |
Long-Term Debt to EBITDA |
|
2.87 |
5.51 |
1.65 |
1.87 |
2.85 |
5.12 |
1.38 |
2.07 |
1.70 |
4.22 |
3.21 |
Debt to NOPAT |
|
7.37 |
10.36 |
2.75 |
3.61 |
9.25 |
8.23 |
6.20 |
8.70 |
8.12 |
6.89 |
5.64 |
Net Debt to NOPAT |
|
5.72 |
8.51 |
-0.35 |
1.38 |
7.59 |
6.13 |
4.80 |
6.99 |
5.86 |
4.59 |
2.76 |
Long-Term Debt to NOPAT |
|
6.48 |
7.03 |
2.74 |
3.60 |
6.38 |
6.31 |
4.30 |
6.74 |
5.65 |
4.99 |
3.79 |
Noncontrolling Interest Sharing Ratio |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
-576 |
2,959 |
959 |
114 |
-397 |
12 |
-1,402 |
-657 |
-34 |
69 |
-25 |
Operating Cash Flow to CapEx |
|
824.22% |
935.82% |
1,280.99% |
1,496.25% |
771.13% |
4,199.37% |
22.60% |
258.98% |
2,894.03% |
1,271.27% |
-38.97% |
Free Cash Flow to Firm to Interest Expense |
|
-31.14 |
102.66 |
25.63 |
2.52 |
-7.45 |
0.20 |
-23.24 |
-10.33 |
-0.52 |
1.14 |
-0.44 |
Operating Cash Flow to Interest Expense |
|
1.24 |
1.46 |
0.58 |
0.86 |
0.47 |
5.15 |
0.05 |
0.41 |
3.62 |
2.93 |
-0.06 |
Operating Cash Flow Less CapEx to Interest Expense |
|
1.09 |
1.30 |
0.54 |
0.80 |
0.41 |
5.03 |
-0.16 |
0.25 |
3.50 |
2.70 |
-0.22 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.06 |
0.04 |
0.05 |
0.05 |
0.05 |
0.04 |
0.07 |
0.07 |
0.07 |
0.04 |
0.04 |
Fixed Asset Turnover |
|
4.07 |
3.17 |
3.75 |
3.53 |
3.82 |
2.93 |
4.53 |
4.53 |
4.54 |
2.46 |
2.29 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
1,439 |
1,799 |
180 |
1,241 |
1,861 |
1,821 |
1,609 |
1,927 |
1,923 |
1,782 |
1,660 |
Invested Capital Turnover |
|
0.34 |
0.10 |
0.58 |
0.32 |
0.27 |
0.20 |
0.64 |
0.37 |
0.32 |
0.19 |
0.21 |
Increase / (Decrease) in Invested Capital |
|
605 |
-2,928 |
-932 |
-85 |
422 |
21 |
1,429 |
686 |
62 |
-39 |
51 |
Enterprise Value (EV) |
|
1,406 |
1,674 |
699 |
842 |
1,655 |
1,670 |
1,562 |
1,804 |
1,930 |
1,882 |
1,518 |
Market Capitalization |
|
862 |
831 |
735 |
683 |
808 |
973 |
1,019 |
1,008 |
1,247 |
1,360 |
1,205 |
Book Value per Share |
|
$43.19 |
$45.77 |
$47.63 |
$49.21 |
$49.56 |
$52.99 |
$54.03 |
$55.71 |
$57.99 |
$59.13 |
$60.51 |
Tangible Book Value per Share |
|
$34.09 |
$36.62 |
$38.45 |
$39.98 |
$40.37 |
$43.85 |
$44.97 |
$46.70 |
$49.06 |
$50.25 |
$51.70 |
Total Capital |
|
1,439 |
1,799 |
1,084 |
1,241 |
1,861 |
1,821 |
1,609 |
1,927 |
1,923 |
1,782 |
1,660 |
Total Debt |
|
701 |
1,027 |
282 |
418 |
1,032 |
934 |
701 |
990 |
946 |
784 |
637 |
Total Long-Term Debt |
|
616 |
696 |
281 |
417 |
712 |
717 |
487 |
767 |
658 |
568 |
428 |
Net Debt |
|
544 |
843 |
-36 |
159 |
847 |
697 |
543 |
796 |
683 |
522 |
312 |
Capital Expenditures (CapEx) |
|
2.79 |
4.50 |
1.70 |
2.59 |
3.23 |
6.93 |
12 |
10 |
8.23 |
14 |
9.12 |
Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Net Nonoperating Obligations (NNO) |
|
701 |
1,027 |
-622 |
418 |
1,032 |
934 |
701 |
990 |
946 |
784 |
637 |
Total Depreciation and Amortization (D&A) |
|
3.49 |
3.43 |
3.36 |
3.36 |
3.24 |
3.50 |
3.18 |
3.32 |
3.02 |
2.43 |
3.59 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$1.73 |
$1.82 |
$1.62 |
$1.70 |
$1.50 |
$1.97 |
$1.59 |
$1.73 |
$1.65 |
$1.80 |
$1.53 |
Adjusted Weighted Average Basic Shares Outstanding |
|
16.90M |
16.68M |
16.78M |
16.70M |
16.72M |
16.73M |
16.78M |
16.81M |
16.85M |
16.83M |
16.90M |
Adjusted Diluted Earnings per Share |
|
$1.71 |
$1.80 |
$1.60 |
$1.69 |
$1.49 |
$1.95 |
$1.58 |
$1.72 |
$1.64 |
$1.77 |
$1.52 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
17.11M |
16.89M |
16.94M |
16.80M |
16.85M |
16.87M |
16.91M |
16.92M |
16.98M |
16.96M |
17.01M |
Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
16.88M |
16.83M |
16.72M |
16.72M |
16.73M |
16.79M |
16.81M |
16.84M |
16.87M |
16.90M |
16.93M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
30 |
31 |
27 |
28 |
25 |
33 |
27 |
29 |
30 |
30 |
26 |
Normalized NOPAT Margin |
|
29.51% |
0.00% |
22.78% |
21.72% |
18.59% |
0.00% |
18.83% |
19.33% |
19.67% |
0.00% |
33.56% |
Pre Tax Income Margin |
|
33.99% |
0.00% |
24.94% |
24.75% |
19.95% |
0.00% |
19.66% |
21.02% |
19.55% |
0.00% |
33.96% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
2.84 |
-1.75 |
1.80 |
1.72 |
1.51 |
-1.74 |
1.46 |
1.50 |
1.45 |
-2.59 |
0.46 |
NOPAT to Interest Expense |
|
1.58 |
1.07 |
0.73 |
0.63 |
0.47 |
0.58 |
0.44 |
0.46 |
0.42 |
0.50 |
0.46 |
EBIT Less CapEx to Interest Expense |
|
2.69 |
-1.91 |
1.75 |
1.66 |
1.45 |
-1.87 |
1.26 |
1.34 |
1.33 |
-2.82 |
0.30 |
NOPAT Less CapEx to Interest Expense |
|
1.43 |
0.92 |
0.68 |
0.57 |
0.41 |
0.46 |
0.24 |
0.30 |
0.30 |
0.27 |
0.29 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
4.08% |
3.98% |
3.92% |
3.54% |
3.62% |
3.55% |
3.55% |
3.53% |
4.32% |
3.54% |
3.58% |
Augmented Payout Ratio |
|
4.08% |
3.98% |
3.92% |
3.54% |
3.62% |
3.55% |
3.55% |
3.53% |
4.32% |
3.54% |
3.58% |
Key Financial Trends
QCR Holdings Inc. (NASDAQ: QCRH) has shown solid financial performance over the last four years through Q1 2025. Below is an analysis of key trends and factors from its quarterly financial statements, highlighting aspects that may affect the company’s outlook and investor considerations.
- Net interest income remains strong, with Q1 2025 reporting $59.99 million, close to recent quarters. This reflects stability in the core banking revenue from loans and deposits.
- Salaries and employee benefits expense have been controlled, with $27.36 million in Q1 2025, down from higher levels in 2024, indicating effective cost management.
- The allowance for loan and lease losses increased modestly but remains well managed relative to loans outstanding, suggesting prudent credit risk oversight.
- The company maintains a strong capital base, with total common equity growing to approximately $1.02 billion as of Q1 2025, supporting financial stability and regulatory requirements.
- Dividend payments have been steady at $0.06 per share each quarter, highlighting a consistent return to shareholders.
- Provision for credit losses has fluctuated but is currently moderate at $4.23 million in Q1 2025, which requires ongoing monitoring but is not currently alarming.
- Net realized and unrealized capital gains on investments showed a slight loss of $0.65 million in Q1 2025, which could be due to market volatility but is relatively small compared to overall earnings.
- Q1 2025 operating cash flow was negative (-$3.55 million), driven by changes in operating assets and liabilities, indicating some working capital pressures that should be watched.
- Total revenue in Q1 2025 was $76.88 million, below some prior quarters, suggesting possible pressure in growth or margins.
- Non-interest expenses, including occupancy, marketing, and other operating costs, remain substantial at $46.54 million quarterly, constraining profitability expansion.
Summary: QCRH demonstrates a stable net interest income stream, disciplined expense control, and steady dividend distributions. Asset quality appears sound with reasonable provisions for credit losses. However, investors should observe recent revenue softness and operating cash flow variability. The bank’s solid capital position underpins resilience.
Overall, QCRH presents as a well-managed regional bank with consistent earnings and prudent risk management, though modest near-term headwinds exist due to elevated expenses and investment gains volatility.
08/29/25 05:05 PM ETAI Generated. May Contain Errors.