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 reported solid financial results for Q1 2025, reflecting some notable trends and changes compared to previous quarters over the last several years.
Positive Highlights:
- Net interest income for Q1 2025 was $59.99 million, close to previous quarter levels, showing stable core earnings from lending and investment activities.
- Other service charges and fees contributed $17.02 million in Q1 2025, indicating consistent fee income streams.
- Total revenue for Q1 2025 was $76.88 million, showing sustained business activity.
- Net income attributable to common shareholders in Q1 2025 was $25.8 million, a healthy earnings level with diluted EPS at $1.52.
- The balance sheet remained strong with total assets at approximately $9.15 billion and total equity over $1 billion, indicating a solid capital base.
- Deposits increased significantly by $276.2 million in Q1 2025, reflecting strong customer inflows and liquidity.
- The bank repaid a significant amount of debt ($140 million) in Q1 2025, suggesting disciplined balance sheet management.
- Cash and due from banks increased to nearly $99 million, and overall cash and equivalents rose by $7.3 million, providing liquidity cushion.
Neutral Points:
- Provision for credit losses was $4.23 million in Q1 2025, similar to prior periods, indicating steady credit risk management but some ongoing charge for potential loan losses.
- Salaries and employee benefits remained a significant operating expense at $27.36 million, consistent with prior quarters.
Negative Observations:
- Investment securities interest income dropped significantly in Q1 2025 to $13.8 million from much higher prior quarter levels, which may reflect lower yields or sales.
- Total non-interest income declined to $16.89 million in Q1 2025 from higher $30+ million levels in recent past quarters.
- Non-interest expenses of $46.5 million remain relatively high, limiting net income growth potential.
- Net realized and unrealized capital losses on investments were $649,000 in Q1 2025, signaling some investment portfolio pressure.
- Net cash from operating activities was negative at -$3.55 million in Q1 2025, a reversal from generally positive cash flow in prior quarters.
- Net cash used in investing activities was substantial at -$123.5 million, driven by large purchases of investments and property/equipment.
Trend Summary:
Over the last four years, QCR Holdings has shown steady growth in net interest income and total assets, with robust deposit inflows strengthening liquidity. Earnings per share have generally improved from around $0.87 in early 2023 to $1.52 in the latest quarter, indicating profitability growth.
The company maintains a strong capital position and continues to invest in its loan portfolio and securities, although non-interest income volatility and higher operating expenses present ongoing challenges. Credit loss provisions have been stable, reflecting prudent risk management.
Overall, QCRH appears well positioned with a conservative balance sheet and improving earnings, although recent investment income volatility and elevated expenses warrant monitoring. Retail investors may consider this a financially sound regional bank with steady performance but should watch for future trends in expense control and investment results.
08/09/25 12:40 AMAI Generated. May Contain Errors.