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QCR (QCRH) Financials

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$102.57 +0.64 (+0.63%)
Closing price 09/11/2026 04:00 PM Eastern
Extended Trading
$102.64 +0.07 (+0.06%)
As of 09/11/2026 07:30 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for QCR

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.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 17 149 181 244 57 61 99 99 114 114 127
Consolidated Net Income / (Loss)		 17 28 36 43 57 61 99 99 114 114 127
Net Income / (Loss) Continuing Operations		 17 149 181 244 57 61 99 99 114 114 127
Total Pre-Tax Income 		21 37 41 52 72 73 121 114 127 123 136
Total Revenue		 101 247 292 384 295 312 301 312 354 347 370
Net Interest Income / (Expense)		 76 95 116 142 156 167 178 231 221 232 255
Total Interest Income		 90 106 136 183 216 198 200 293 413 482 489
Loans and Leases Interest Income		 75 91 117 160 190 174 152 216 285 317 304
Investment Securities Interest Income		 15 14 16 20 20 23 47 73 121 155 176
Deposits and Money Market Investments Interest Income		 0.30 0.39 0.87 1.27 3.91 0.67 0.17 1.09 4.14 6.08 6.51
Federal Funds Sold and Securities Borrowed Interest Income		 0.02 0.05 0.15 0.34 0.20 0.02 0.00 0.41 1.00 0.69 0.53
Other Interest Income		 0.50 0.52 0.63 1.09 1.17 1.03 0.95 2.07 2.35 2.99 2.27
Total Interest Expense		 14 12 19 40 61 31 22 61 192 250 234
Deposits Interest Expense		 4.50 6.02 13 31 51 23 13 42 159 213 205
Short-Term Borrowings Interest Expense		 0.21 0.09 0.11 0.27 0.36 0.08 0.01 0.30 0.18 0.10 0.08
Long-Term Debt Interest Expense		 4.77 2.52 3.45 6.33 8.77 8.07 8.62 19 33 37 27
Other Interest Expense		 4.23 3.32 2.88 3.21 0.51 0.00 0.00 0.05 0.00 0.00 2.29
Total Non-Interest Income		 24 31 30 42 79 114 100 81 133 116 114
Other Service Charges		 14 4.62 6.36 15 34 80 67 45 97 76 71
Net Realized & Unrealized Capital Gains on Investments		 2.43 8.18 1.49 1.31 16 7.39 4.71 4.51 -0.10 -0.74 2.40
Other Non-Interest Income		 1.76 139 168 226 29 27 29 31 36 40 41
Provision for Credit Losses		 6.87 7.48 8.47 13 7.07 56 3.49 8.28 17 17 18
Total Non-Interest Expense		 73 81 97 119 155 152 154 190 211 208 216
Salaries and Employee Benefits		 43 46 56 69 92 96 101 115 137 128 127
Net Occupancy & Equipment Expense		 7.04 8.40 11 13 15 17 16 22 25 25 28
Marketing Expense		 1.90 2.13 2.63 3.55 4.55 3.26 4.25 4.96 6.04 7.06 7.54
Other Operating Expenses		 14 17 22 28 31 27 29 36 40 42 48
Amortization Expense		 0.20 0.44 1.00 1.69 2.27 2.15 2.03 2.85 2.94 2.76 2.98
Impairment Charge		 - - - 0.00 3.00 0.50 - 0.00 0.00 0.43 0.00
Restructuring Charge		 0.00 2.44 5.38 3.88 6.91 1.06 0.64 9.24 0.21 1.95 0.00
Other Special Charges		 7.19 4.58 - 0.00 0.44 3.91 - - 0.00 0.00 1.96
Income Tax Expense		 3.67 8.90 4.95 9.02 15 13 23 14 13 8.73 8.71
Basic Earnings per Share		 $1.64 $2.20 $2.68 $2.92 $3.65 $3.84 $6.30 $5.94 $6.79 $6.77 $7.54
Weighted Average Basic Shares Outstanding		 10.35M 12.57M 13.33M 14.77M 15.73M 15.77M 15.71M 16.68M 16.73M 16.83M 16.88M
Diluted Earnings per Share		 $1.61 $2.17 $2.61 $2.86 $3.60 $3.80 $6.20 $5.87 $6.73 $6.71 $7.49
Weighted Average Diluted Shares Outstanding		 10.50M 12.77M 13.68M 15.06M 15.97M 15.95M 15.94M 16.89M 16.87M 16.96M 16.97M
Weighted Average Basic & Diluted Shares Outstanding		 10.30M 12.60M 13.30M 15.74M 15.87M 15.83M 15.64M 16.83M 16.79M 16.90M 16.73M
Cash Dividends to Common per Share		 $0.08 $0.16 $0.20 $0.24 $0.24 $0.24 $0.24 $0.24 $0.24 $0.24 $0.24

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 32 27 29 28 29 26 29 37 36 33 36
Consolidated Net Income / (Loss)		 33 27 29 28 30 26 29 37 36 33 36
Net Income / (Loss) Continuing Operations		 32 27 29 28 29 26 29 37 36 33 36
Total Pre-Tax Income 		37 28 32 30 33 26 31 41 39 36 39
Total Revenue		 -32 82 87 87 -98 77 84 101 107 90 97
Net Interest Income / (Expense)		 56 55 56 60 61 60 62 65 68 67 68
Total Interest Income		 112 115 120 125 122 117 120 125 127 120 121
Loans and Leases Interest Income		 76 77 80 82 78 74 75 77 24 77 78
Investment Securities Interest Income		 34 36 38 40 41 40 43 46 101 41 42
Deposits and Money Market Investments Interest Income		 0.99 1.20 1.14 1.92 1.82 1.80 1.63 1.34 1.73 1.49 1.35
Federal Funds Sold and Securities Borrowed Interest Income		 0.26 0.27 0.18 0.17 0.07 0.10 0.16 0.16 0.12 0.07 0.05
Other Interest Income		 0.67 0.67 0.87 0.84 0.61 0.53 0.62 0.57 0.55 0.39 0.52
Total Interest Expense		 57 60 64 66 60 57 58 60 59 53 53
Deposits Interest Expense		 48 51 53 55 53 50 51 53 50 46 47
Short-Term Borrowings Interest Expense		 0.04 0.02 0.02 0.03 0.02 0.02 0.02 0.02 0.03 0.03 0.03
Long-Term Debt Interest Expense		 8.86 8.91 11 10 7.14 6.28 7.14 6.90 6.81 5.90 5.02
Other Interest Expense		 - - - 0.00 - 0.00 0.00 0.48 - 1.17 1.26
Total Non-Interest Income		 48 27 31 27 31 17 22 37 39 23 29
Other Service Charges		 39 17 19 18 22 7.85 11 25 8.33 13 17
Net Realized & Unrealized Capital Gains on Investments		 -0.92 0.24 0.60 -0.50 -2.00 -0.71 0.79 0.86 1.36 -0.26 1.31
Other Non-Interest Income		 9.00 9.17 11 9.69 9.92 9.75 10 11 29 11 11
Provision for Credit Losses		 5.20 2.97 5.50 3.48 5.15 4.23 4.04 4.31 5.50 2.45 4.71
Total Non-Interest Expense		 61 51 50 54 53 47 50 57 63 52 53
Salaries and Employee Benefits		 41 32 31 32 34 27 28 34 37 31 32
Net Occupancy & Equipment Expense		 6.79 6.51 6.38 6.17 6.35 6.46 6.84 7.36 7.36 7.48 7.34
Marketing Expense		 1.64 1.48 1.57 2.12 1.89 1.61 1.75 1.83 2.35 1.78 1.82
Other Operating Expenses		 12 10 10 11 12 10 12 12 13 11 11
Amortization Expense		 0.72 0.69 0.69 0.69 0.69 0.66 0.66 0.66 1.00 0.51 0.51
Income Tax Expense		 4.47 1.17 2.55 2.05 2.96 0.31 1.55 3.84 3.00 2.43 3.23
Basic Earnings per Share		 $1.97 $1.59 $1.73 $1.65 $1.80 $1.53 $1.71 $2.17 $2.13 $2.00 $2.20
Weighted Average Basic Shares Outstanding		 16.73M 16.78M 16.81M 16.85M 16.83M 16.90M 16.93M 16.92M 16.88M 16.65M 16.49M
Diluted Earnings per Share		 $1.95 $1.58 $1.72 $1.64 $1.77 $1.52 $1.71 $2.16 $2.10 $1.99 $2.19
Weighted Average Diluted Shares Outstanding		 16.87M 16.91M 16.92M 16.98M 16.96M 17.01M 17.01M 17.02M 16.97M 16.74M 16.57M
Weighted Average Basic & Diluted Shares Outstanding		 16.79M 16.81M 16.84M 16.87M 16.90M 16.93M 16.94M 16.84M 16.73M 16.51M 16.38M
Cash Dividends to Common per Share		 $0.06 $0.06 $0.06 $0.06 $0.06 $0.06 $0.06 $0.06 $0.06 $0.10 $0.10

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 3.51 29 5.15 9.80 -9.27 -15 -24 22 37 -5.39 -15
Net Cash From Operating Activities		 30 43 34 64 76 112 88 119 376 445 422
Net Cash From Continuing Operating Activities		 30 43 34 64 76 112 88 119 376 445 422
Net Income / (Loss) Continuing Operations		 17 28 36 43 57 61 99 99 114 114 127
Consolidated Net Income / (Loss)		 17 28 36 43 57 61 99 99 114 114 127
Provision For Loan Losses		 6.87 7.48 8.47 13 7.07 56 3.49 8.28 17 17 18
Depreciation Expense		 3.07 3.42 3.95 4.45 5.23 5.33 5.36 7.66 8.73 8.47 9.32
Amortization Expense		 1.24 1.75 2.84 3.31 3.83 3.67 4.66 5.19 4.73 3.47 -2.24
Non-Cash Adjustments to Reconcile Net Income		 3.18 -7.45 -11 2.51 -4.57 -16 14 -9.04 236 319 285
Changes in Operating Assets and Liabilities, net		 -1.19 10 -6.09 -1.77 7.54 2.78 -38 7.54 -3.08 -17 -16
Net Cash From Investing Activities		 -66 -169 -411 -334 -309 -704 -412 -635 -749 -845 -855
Net Cash From Continuing Investing Activities		 -66 -169 -411 -334 -309 -704 -412 -635 -749 -845 -855
Purchase of Property, Leasehold Improvements and Equipment		 -4.39 -6.03 -5.76 -11 -12 -4.27 -14 -33 -15 -44 -67
Purchase of Investment Securities		 -410 -451 -563 -402 -403 -926 -597 -918 -905 -900 -906
Sale of Property, Leasehold Improvements and Equipment		 - - - 0.00 2.56 0.10 1.73 2.06 0.50 0.00 1.85
Sale and/or Maturity of Investments		 306 257 128 32 -6.28 178 135 215 135 74 74
Net Increase in Fed Funds Sold		 27 -1.71 -7.94 3.80 17 0.72 -3.29 -45 21 8.30 4.00
Other Investing Activities, net		 15 33 38 44 51 47 65 - 14 17 39
Net Cash From Financing Activities		 39 154 382 279 223 577 300 538 410 395 418
Net Cash From Continuing Financing Activities		 39 154 382 279 223 577 300 538 410 395 418
Net Change in Deposits		 201 302 385 271 336 688 324 -15 530 547 353
Issuance of Debt		 52 56 70 62 88 167 -1.63 636 6.87 11 201
Issuance of Common Equity		 1.55 32 2.06 1.28 1.93 1.36 0.67 0.42 1.40 1.47 1.13
Repayment of Debt		 -252 -209 -43 -13 -164 -153 -5.00 -26 -115 -160 -112
Repurchase of Common Equity		 - - - - - - - - -8.69 0.00 -22
Payment of Dividends		 -0.78 -1.98 -2.49 -3.30 -3.77 -3.78 -3.79 -3.94 -4.03 -4.03 -4.06
Cash Interest Paid		 14 12 19 39 59 32 23 59 188 248 237

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -7.14 -16 11 12 -12 7.26 5.78 -27 -1.09 3.54 31
Net Cash From Operating Activities		 291 2.74 26 238 177 -3.55 42 47 335 4.40 471
Net Cash From Continuing Operating Activities		 291 2.74 26 238 177 -3.55 42 47 335 4.40 471
Net Income / (Loss) Continuing Operations		 33 27 29 28 30 26 29 37 36 33 36
Consolidated Net Income / (Loss)		 33 27 29 28 30 26 29 37 36 33 36
Provision For Loan Losses		 5.20 2.97 5.50 3.48 5.15 4.23 4.04 4.31 5.50 2.45 4.71
Depreciation Expense		 2.59 2.24 2.28 1.68 2.27 2.21 2.31 2.48 2.33 2.32 2.66
Amortization Expense		 0.90 0.94 1.04 1.35 0.16 1.38 0.34 -0.02 -3.94 1.88 0.20
Non-Cash Adjustments to Reconcile Net Income		 237 1.07 -3.93 196 125 1.76 0.16 -1.05 284 -0.44 408
Changes in Operating Assets and Liabilities, net		 13 -31 -7.65 7.36 15 -39 6.35 5.05 12 -35 20
Net Cash From Investing Activities		 -323 -82 -251 -337 -175 -123 -97 -324 -311 -115 -314
Net Cash From Continuing Investing Activities		 -323 -82 -251 -337 -175 -123 -97 -324 -311 -115 -314
Purchase of Property, Leasehold Improvements and Equipment		 -6.92 -12 -10 -8.23 -14 -9.12 -18 -16 -25 -12 -13
Purchase of Investment Securities		 -317 -158 -234 -292 -216 -90 -180 -313 -324 -160 -259
Sale and/or Maturity of Investments		 14 52 -5.82 -37 65 -53 112 -6.68 21 33 -25
Net Increase in Fed Funds Sold		 -15 31 -4.00 -5.05 -14 18 -18 4.80 -0.95 22 -19
Other Investing Activities, net		 2.33 5.00 3.35 5.18 3.73 10 7.52 4.51 17 1.43 1.50
Net Cash From Financing Activities		 25 63 236 111 -14 134 60 249 -26 114 -126
Net Cash From Continuing Financing Activities		 25 63 236 111 -14 134 60 249 -26 114 -126
Net Change in Deposits		 19 293 -42 220 77 276 -19 62 34 357 -354
Issuance of Debt		 -128 1.20 279 -40 0.30 0.25 -60 267 -5.22 -0.47 30
Issuance of Common Equity		 0.47 0.28 -0.27 1.24 0.23 -1.13 0.85 0.63 0.77 0.11 1.12
Repayment of Debt		 134 -230 - - -91 -140 140 -70 -42 -220 212
Repurchase of Common Equity		 - - - - - 0.00 - - -13 -21 -13
Payment of Dividends		 -1.00 -1.00 -1.01 -2.02 - -1.01 -1.02 -1.02 -1.02 -1.01 -1.68
Cash Interest Paid		 - - - - - 58 - - - 53 55

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 2,593 3,302 3,983 4,950 4,909 5,705 6,096 7,949 8,539 9,026 9,498
Cash and Due from Banks		 42 71 76 86 76 61 37 60 97 92 76
Federal Funds Sold		 20 22 30 26 9.80 9.08 12 57 35 27 23
Interest Bearing Deposits at Other Banks		 36 64 56 133 148 87 75 67 105 143 53
Trading Account Securities		 577 574 652 663 614 1,061 1,036 1,106 1,193 1,387 1,501
Loans and Leases, Net of Allowance		 1,772 2,375 2,930 3,693 3,654 4,167 4,601 6,051 6,456 6,695 7,077
Loans and Leases		 1,798 2,405 2,964 3,733 3,690 4,251 4,680 6,139 6,543 6,784 7,167
Allowance for Loan and Lease Losses		 26 31 34 40 36 84 79 88 87 90 90
Premises and Equipment, Net		 37 61 63 76 74 73 79 118 123 159 215
Goodwill		 3.22 13 28 78 75 74 74 138 139 139 139
Intangible Assets		 1.47 7.38 9.08 17 15 11 9.35 17 14 11 8.08
Other Assets		 104 115 138 178 243 162 156 336 376 373 406
Total Liabilities & Shareholders' Equity		 2,593 3,302 3,983 4,950 4,909 5,705 6,096 7,949 8,539 9,026 9,498
Total Liabilities		 2,367 3,016 3,629 4,477 4,374 5,111 1,373 7,176 7,652 8,029 8,386
Non-Interest Bearing Deposits		 615 797 790 791 777 1,145 1,269 1,263 1,039 921 951
Interest Bearing Deposits		 1,265 1,872 2,477 3,186 3,134 3,454 - 4,721 5,475 6,140 6,463
Short-Term Debt		 255 120 80 96 102 5.43 3.80 330 217 217 140
Long-Term Debt		 189 171 229 309 266 172 - 696 717 568 636
Other Long-Term Liabilities		 42 56 53 95 95 335 100 165 204 183 196
Total Equity & Noncontrolling Interests		 226 286 353 473 535 594 677 773 887 997 1,112
Total Preferred & Common Equity		 226 286 353 473 535 594 677 773 887 997 1,112
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		 226 286 353 473 535 594 677 773 887 997 1,112
Common Stock		 135 170 203 286 291 292 289 388 388 392 390
Retained Earnings		 93 119 152 192 246 301 386 450 555 665 773
Accumulated Other Comprehensive Income / (Loss)		 -2.12 -2.46 -1.67 -4.27 2.82 9.01 1.55 -45 -36 -38 -36
Other Equity Adjustments		 - - - -1.28 -3.92 -7.63 - -20 -20 -22 -15

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 8,037 8,227 8,540 8,600 8,872 9,089 9,153 9,242 9,568 9,614 9,521
Cash and Due from Banks		 64 84 104 81 92 104 99 105 78 80 111
Federal Funds Sold		 16 8.77 20 4.15 8.15 13 8.90 27 22 0.95 20
Interest Bearing Deposits at Other Banks		 238 166 60 73 94 146 217 119 138 38 61
Trading Account Securities		 1,148 772 1,188 1,216 1,228 1,408 1,402 1,448 1,516 1,535 1,613
Loans and Leases, Net of Allowance		 -87 6,575 6,519 6,564 6,767 6,742 6,733 6,836 7,090 7,200 6,946
Loans and Leases		 - 6,661 6,606 6,648 6,854 6,829 6,823 6,925 7,179 7,286 7,033
Allowance for Loan and Lease Losses		 87 86 88 84 88 86 90 89 89 85 87
Premises and Equipment, Net		 118 118 119 133 141 147 166 182 193 225 236
Goodwill		 138 139 139 139 139 139 139 139 139 139 139
Intangible Assets		 16 15 15 13 12 12 10 9.74 9.08 7.57 7.07
Other Assets		 6,525 348 376 377 391 377 378 377 383 388 389
Total Liabilities & Shareholders' Equity		 8,037 8,227 8,540 8,600 8,872 9,089 9,153 9,242 9,568 9,614 9,521
Total Liabilities		 8,140 7,404 7,712 7,692 7,936 8,112 8,130 8,192 8,481 8,491 8,371
Non-Interest Bearing Deposits		 7,692 1,102 1,028 955 956 969 964 952 932 988 1,024
Interest Bearing Deposits		 - 5,505 5,467 5,852 5,808 6,015 6,374 6,366 6,448 6,783 6,393
Short-Term Debt		 1.10 1.85 321 214 223 289 209 211 234 152 141
Long-Term Debt		 281 417 712 487 767 658 428 508 704 416 651
Other Long-Term Liabilities		 166 379 184 184 181 181 156 155 164 152 161
Total Equity & Noncontrolling Interests		 801 823 828 907 936 977 1,023 1,051 1,087 1,122 1,150
Total Preferred & Common Equity		 801 823 828 907 936 977 1,023 1,051 1,087 1,122 1,150
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		 801 823 828 907 936 977 1,023 1,051 1,087 1,122 1,150
Common Stock		 385 386 387 388 389 391 392 394 392 385 383
Retained Earnings		 472 499 523 581 609 636 690 718 747 790 814
Accumulated Other Comprehensive Income / (Loss)		 -56 -62 -55 -39 -39 -32 -40 -44 -37 -38 -34
Other Equity Adjustments		 - - -26 -23 -23 -18 -19 -17 -16 -14 -15

Annual Metrics And Ratios for QCR

This table displays calculated financial ratios and metrics derived from QCR's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 16,838,653.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 16,838,653.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 7.55
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 11.41% 144.98% 18.30% 31.77% -23.30% 5.88% -3.71% 3.75% 13.42% -1.80% 6.40%
EBITDA Growth		 9.15% 553.77% 18.31% 35.17% -45.61% -19.69% 34.91% -17.60% 10.81% -3.96% 6.29%
EBIT Growth		 14.48% 665.31% 17.88% 35.93% -47.53% -21.00% 36.94% -20.81% 11.51% -3.19% 10.87%
NOPAT Growth		 13.21% 63.56% 28.97% 20.76% 33.14% 5.53% 63.26% 0.16% 14.63% 0.26% 11.72%
Net Income Growth		 13.21% 63.56% 28.97% 20.76% 33.14% 5.53% 63.26% 0.16% 14.63% 0.26% 11.72%
EPS Growth		 -6.40% 34.78% 20.28% 9.58% 25.87% 5.56% 63.16% -5.32% 14.65% -0.30% 11.62%
Operating Cash Flow Growth		 17.57% 44.14% -22.29% 90.64% 19.02% 46.65% -21.36% 34.55% 217.04% 18.13% -5.17%
Free Cash Flow Firm Growth		 290.17% -21.35% -141.47% -243.98% 119.03% 487.16% -2,104.55% 178.47% -96.95% 65.56% -136.82%
Invested Capital Growth		 -16.93% -13.89% 14.87% 32.49% 2.81% -14.60% 513.17% -61.93% 1.18% -2.14% 10.30%
Revenue Q/Q Growth		 2.39% 113.67% -10.80% -1.45% -37.57% 11.74% 52.31% -19.54% -20.85% -42.60% 4.29%
EBITDA Q/Q Growth		 29.80% 317.95% -18.47% -3.66% -56.87% 30.77% 368.40% -41.11% -43.88% -65.14% 1.03%
EBIT Q/Q Growth		 38.36% 360.43% -19.15% -3.83% -58.48% 34.08% 526.62% -44.01% -46.40% -67.13% 4.21%
NOPAT Q/Q Growth		 28.87% 6.72% 4.00% 8.60% 4.70% 4.09% 9.69% 4.09% 1.75% -2.26% 4.47%
Net Income Q/Q Growth		 28.87% 6.72% 4.00% 8.60% 4.70% 4.09% 9.69% 4.09% 1.75% -2.26% 4.47%
EPS Q/Q Growth		 15.83% 2.84% 1.95% 5.15% 4.65% 4.11% 9.73% 1.73% 2.28% -2.61% 4.61%
Operating Cash Flow Q/Q Growth		 0.55% 32.49% -24.59% 48.01% 4.05% -29.75% 87.03% 18.06% 195.35% -20.36% 60.00%
Free Cash Flow Firm Q/Q Growth		 523.00% 9.58% -376.42% 41.05% -78.95% 232.08% -1,381.76% 693.39% 129.71% 180.37% -381.16%
Invested Capital Q/Q Growth		 -1.06% -2.69% 8.80% -6.69% 7.44% -26.16% 467.24% 25.08% -2.16% -7.33% -2.93%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 24.74% 66.02% 66.03% 67.73% 48.02% 36.43% 51.04% 40.53% 39.60% 38.73% 38.69%
EBIT Margin		 20.46% 63.92% 63.70% 65.71% 44.95% 33.54% 47.70% 36.41% 35.80% 35.29% 36.78%
Profit (Net Income) Margin		 16.82% 11.23% 12.24% 11.22% 19.47% 19.41% 32.91% 31.77% 32.11% 32.78% 34.42%
Tax Burden Percent		 82.19% 75.67% 87.83% 82.71% 79.70% 82.66% 81.43% 87.25% 89.68% 92.88% 93.59%
Interest Burden Percent		 100.00% 23.21% 21.88% 20.64% 54.34% 69.99% 84.71% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 17.81% 24.33% 12.17% 17.29% 20.30% 17.34% 18.57% 12.75% 10.32% 7.12% 6.41%
Return on Invested Capital (ROIC)		 2.29% 4.44% 5.76% 5.60% 6.45% 7.24% 3.60% 3.04% 6.27% 6.32% 6.79%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.29% 4.44% 5.76% 5.60% 6.45% 7.24% 3.60% 3.04% 6.27% 6.32% 6.79%
Return on Net Nonoperating Assets (RNNOA)		 6.86% 6.38% 5.41% 4.84% 4.94% 3.49% 11.97% 10.63% 7.41% 5.77% 5.27%
Return on Equity (ROE)		 9.15% 10.82% 11.17% 10.44% 11.39% 10.73% 15.57% 13.67% 13.69% 12.09% 12.06%
Cash Return on Invested Capital (CROIC)		 20.79% 19.36% -8.08% -22.35% 3.68% 22.99% -140.31% 92.75% 5.10% 8.48% -3.00%
Operating Return on Assets (OROA)		 0.80% 5.35% 5.10% 5.66% 2.69% 1.97% 2.43% 1.62% 1.54% 1.40% 1.46%
Return on Assets (ROA)		 0.66% 0.94% 0.98% 0.97% 1.16% 1.14% 1.68% 1.41% 1.38% 1.30% 1.37%
Return on Common Equity (ROCE)		 9.15% 10.82% 11.17% 10.44% 11.39% 10.73% 15.57% 13.67% 13.69% 12.09% 12.06%
Return on Equity Simple (ROE_SIMPLE)		 7.49% 9.68% 10.11% 9.11% 10.72% 10.20% 14.61% 12.82% 12.81% 11.41% 11.44%
Net Operating Profit after Tax (NOPAT)		 17 28 36 43 57 61 99 99 114 114 127
NOPAT Margin		 16.82% 11.23% 12.24% 11.22% 19.47% 19.41% 32.91% 31.77% 32.11% 32.78% 34.42%
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		 51.57% 23.05% 23.75% 22.22% 37.89% 37.17% 40.28% 45.63% 47.41% 46.26% 44.01%
Operating Expenses to Revenue		 72.71% 33.04% 33.40% 31.00% 52.65% 48.61% 51.14% 60.93% 59.52% 59.78% 58.33%
Earnings before Interest and Taxes (EBIT)		 21 158 186 253 133 105 143 114 127 123 136
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 25 163 193 260 142 114 153 126 140 135 143
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 1.90 1.62 1.03 1.26 1.04 1.28 1.08 1.10 1.36 1.26
Price to Tangible Book Value (P/TBV)		 0.00 2.05 1.82 1.29 1.52 1.21 1.45 1.34 1.33 1.60 1.45
Price to Revenue (P/Rev)		 0.00 2.20 1.97 1.27 2.29 1.97 2.87 2.66 2.75 3.92 3.80
Price to Earnings (P/E)		 0.00 3.65 3.17 2.00 11.78 10.15 8.73 8.39 8.57 11.95 11.03
Dividend Yield		 0.35% 0.39% 0.48% 0.77% 0.56% 0.62% 0.43% 0.49% 0.41% 0.30% 0.29%
Earnings Yield		 0.00% 27.37% 31.52% 49.94% 8.49% 9.85% 11.46% 11.92% 11.67% 8.37% 9.07%
Enterprise Value to Invested Capital (EV/IC)		 0.00 1.17 1.09 0.74 0.90 0.82 0.16 0.93 0.92 1.06 1.03
Enterprise Value to Revenue (EV/Rev)		 0.00 2.75 2.47 1.68 2.75 2.03 2.47 5.37 4.72 5.42 5.49
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 4.16 3.75 2.49 5.72 5.59 4.84 13.24 11.92 13.99 14.19
Enterprise Value to EBIT (EV/EBIT)		 0.00 4.30 3.88 2.56 6.11 6.07 5.17 14.74 13.19 15.36 14.93
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 24.47 20.21 15.02 14.10 10.48 7.50 16.89 14.71 16.53 15.96
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 15.62 21.40 10.08 10.58 5.66 8.41 14.10 4.44 4.23 4.81
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 5.61 0.00 0.00 24.70 3.30 0.00 0.55 18.10 12.32 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.97 1.02 0.88 0.86 0.69 0.30 0.01 1.33 1.05 0.79 0.77
Long-Term Debt to Equity		 0.84 0.60 0.65 0.65 0.50 0.29 0.00 0.90 0.81 0.57 0.57
Financial Leverage		 2.99 1.44 0.94 0.86 0.77 0.48 3.33 3.50 1.18 0.91 0.78
Leverage Ratio		 13.83 11.52 11.39 10.81 9.78 9.40 9.29 9.69 9.94 9.32 8.82
Compound Leverage Factor		 13.83 2.67 2.49 2.23 5.31 6.58 7.87 9.69 9.94 9.32 8.82
Debt to Total Capital		 66.29% 50.43% 46.70% 46.12% 40.70% 22.97% 0.56% 57.05% 51.30% 44.02% 43.40%
Short-Term Debt to Total Capital		 38.01% 20.79% 12.07% 10.94% 11.28% 0.70% 0.56% 18.36% 11.93% 12.16% 11.04%
Long-Term Debt to Total Capital		 28.28% 29.63% 34.63% 35.18% 29.41% 22.27% 0.00% 38.70% 39.37% 31.86% 32.36%
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		 33.71% 49.57% 53.30% 53.88% 59.30% 77.03% 99.44% 42.95% 48.70% 55.98% 56.60%
Debt to EBITDA		 17.84 1.79 1.61 1.56 2.59 1.56 0.02 8.12 6.67 5.83 5.96
Net Debt to EBITDA		 13.90 0.82 0.77 0.61 0.94 0.18 -0.79 6.67 4.97 3.88 4.38
Long-Term Debt to EBITDA		 7.61 1.05 1.19 1.19 1.88 1.51 0.00 5.51 5.12 4.22 4.45
Debt to NOPAT		 26.24 10.51 8.67 9.39 6.40 2.92 0.04 10.36 8.23 6.89 6.71
Net Debt to NOPAT		 20.45 4.85 4.14 3.71 2.32 0.33 -1.23 8.51 6.13 4.59 4.93
Long-Term Debt to NOPAT		 11.19 6.18 6.43 7.16 4.63 2.83 0.00 7.03 6.31 4.99 5.00
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)		 154 121 -50 -172 33 192 -3,857 3,027 92 153 -56
Operating Cash Flow to CapEx		 684.95% 719.16% 585.19% 560.98% 775.25% 2,692.03% 719.85% 380.43% 2,605.75% 999.21% 642.71%
Free Cash Flow to Firm to Interest Expense		 11.20 10.10 -2.57 -4.25 0.54 6.12 -175.95 49.25 0.48 0.61 -0.24
Operating Cash Flow to Interest Expense		 2.20 3.63 1.73 1.59 1.26 3.57 4.02 1.93 1.96 1.78 1.80
Operating Cash Flow Less CapEx to Interest Expense		 1.88 3.13 1.44 1.30 1.10 3.44 3.47 1.42 1.88 1.60 1.52
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.08 0.08 0.09 0.06 0.06 0.05 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.74 5.03 4.72 5.55 3.95 4.26 3.98 3.17 2.93 2.46 1.97
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 670 577 663 878 903 771 4,727 1,799 1,821 1,782 1,965
Invested Capital Turnover		 0.14 0.40 0.47 0.50 0.33 0.37 0.11 0.10 0.20 0.19 0.20
Increase / (Decrease) in Invested Capital		 -137 -93 86 215 25 -132 3,956 -2,928 21 -39 183
Enterprise Value (EV)		 0.00 678 722 648 810 635 742 1,674 1,670 1,882 2,029
Market Capitalization		 0.00 543 574 488 676 615 863 831 973 1,360 1,403
Book Value per Share		 $21.83 $21.88 $25.44 $30.19 $33.89 $37.60 $43.41 $45.77 $52.99 $59.13 $66.06
Tangible Book Value per Share		 $21.38 $20.31 $22.74 $24.11 $28.21 $32.19 $38.06 $36.62 $43.85 $50.25 $57.35
Total Capital		 670 577 663 878 903 771 681 1,799 1,821 1,782 1,965
Total Debt		 444 291 309 405 367 177 3.80 1,027 934 784 853
Total Long-Term Debt		 189 171 229 309 266 172 0.00 696 717 568 636
Net Debt		 346 134 148 160 133 20 -121 843 697 522 627
Capital Expenditures (CapEx)		 4.39 6.03 5.76 11 9.87 4.17 12 31 14 44 66
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)		 444 291 309 405 367 177 4,050 1,027 934 784 853
Total Depreciation and Amortization (D&A)		 4.30 5.17 6.79 7.76 9.05 9.00 10 13 13 12 7.08
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.64 $2.20 $2.68 $2.92 $3.65 $3.84 $6.30 $5.94 $6.79 $6.77 $7.54
Adjusted Weighted Average Basic Shares Outstanding		 10.35M 12.57M 13.33M 14.77M 15.73M 15.77M 15.71M 16.68M 16.73M 16.83M 16.88M
Adjusted Diluted Earnings per Share		 $1.61 $2.17 $2.61 $2.86 $3.60 $3.80 $6.20 $5.87 $6.73 $6.71 $7.49
Adjusted Weighted Average Diluted Shares Outstanding		 10.50M 12.77M 13.68M 15.06M 15.97M 15.95M 15.94M 16.89M 16.87M 16.96M 16.97M
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		 11.81M 13.14M 13.93M 15.74M 15.87M 15.83M 15.64M 16.83M 16.79M 16.90M 16.73M
Normalized Net Operating Profit after Tax (NOPAT)		 23 33 40 46 66 65 99 107 114 116 129
Normalized NOPAT Margin		 22.68% 13.38% 13.86% 12.05% 22.27% 20.85% 33.08% 34.35% 32.16% 33.42% 34.92%
Pre Tax Income Margin		 20.46% 14.84% 13.94% 13.56% 24.43% 23.48% 40.41% 36.41% 35.80% 35.29% 36.78%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.50 13.19 9.55 6.24 2.19 3.33 6.54 1.85 0.66 0.49 0.58
NOPAT to Interest Expense		 1.24 2.32 1.84 1.07 0.95 1.93 4.51 1.61 0.59 0.46 0.54
EBIT Less CapEx to Interest Expense		 1.18 12.69 9.26 5.96 2.03 3.20 5.98 1.34 0.58 0.31 0.30
NOPAT Less CapEx to Interest Expense		 0.91 1.81 1.54 0.78 0.79 1.80 3.95 1.10 0.52 0.28 0.26
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 4.62% 7.16% 6.98% 7.65% 6.56% 6.24% 3.84% 3.98% 3.55% 3.54% 3.19%
Augmented Payout Ratio		 4.62% 7.16% 6.98% 7.65% 6.56% 6.24% 3.84% 3.98% 3.55% 3.54% 20.20%

Quarterly Metrics And Ratios for QCR

This table displays calculated financial ratios and metrics derived from QCR's official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - - - - - 16,838,653.00 16,730,722.00 16,509,789.00
DEI Adjusted Shares Outstanding		 - - - - - - - - 16,838,653.00 16,730,722.00 16,509,789.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - 2.12 2.00 2.20
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -4,385.06% 18.20% 15.08% 12.89% -201.61% -5.74% -3.28% 16.77% 16.54% 17.58% 15.61%
EBITDA Growth		 -102.30% 29.30% 21.81% 18.01% -62.01% -4.45% -5.05% 30.93% 4.08% 34.73% 27.44%
EBIT Growth		 -95.49% 31.04% 22.80% 19.00% -58.73% -6.43% -3.46% 35.96% 16.54% 37.18% 29.14%
NOPAT Growth		 6.31% -1.59% 2.42% 10.60% -8.00% -3.48% -0.33% 32.14% 18.00% 29.41% 24.92%
Net Income Growth		 6.31% -1.59% 2.42% 10.60% -8.00% -3.48% -0.33% 32.14% 18.00% 29.41% 24.92%
EPS Growth		 8.33% -1.25% 1.78% 10.07% -9.23% -3.80% -0.58% 31.71% 18.64% 30.92% 28.07%
Operating Cash Flow Growth		 591.72% -87.39% -31.92% 856.62% -39.06% -229.52% 60.31% -80.07% 89.14% 223.80% 1,016.48%
Free Cash Flow Firm Growth		 -99.61% -246.26% -677.64% 91.38% 498.45% 98.21% 128.39% -90.06% -313.83% 109.62% -173.14%
Invested Capital Growth		 1.18% 796.10% 55.25% 3.33% -2.14% 3.17% -8.17% 5.29% 10.30% 1.87% 9.75%
Revenue Q/Q Growth		 -123.99% -11.30% 6.15% 1.29% -164.10% 178.61% 9.52% 20.49% 5.49% -15.54% 7.69%
EBITDA Q/Q Growth		 -213.84% -6.07% 7.81% -0.02% -256.29% 119.28% 11.88% 29.49% -13.85% 7.96% 5.82%
EBIT Q/Q Growth		 -222.78% -5.96% 7.94% 0.29% -263.77% 116.69% 17.11% 32.67% -4.66% -7.39% 10.24%
NOPAT Q/Q Growth		 30.79% -18.65% 8.94% -4.56% 8.78% -14.65% 12.49% 26.52% -2.86% -6.40% 8.59%
Net Income Q/Q Growth		 30.79% -18.65% 8.94% -4.56% 8.78% -14.65% 12.49% 26.52% -2.86% -6.40% 8.59%
EPS Q/Q Growth		 30.87% -18.97% 8.86% -4.65% 7.93% -14.12% 12.50% 26.32% -2.78% -5.24% 10.05%
Operating Cash Flow Q/Q Growth		 1,068.95% -99.06% 860.02% 803.93% -25.53% -102.00% 1,288.24% 12.38% 606.76% -98.69% 10,615.64%
Free Cash Flow Firm Q/Q Growth		 102.91% -12,244.17% 53.18% 94.79% 301.96% -136.38% 841.29% -134.89% -127.21% 103.43% -5,735.55%
Invested Capital Q/Q Growth		 -2.16% -11.64% 19.78% -0.21% -7.33% -6.86% 6.62% 14.42% -2.93% -10.45% 14.87%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 0.00% 64.43% 65.44% 64.59% 0.00% 38.62% 39.46% 42.40% 34.63% 44.26% 43.49%
EBIT Margin		 0.00% 62.19% 63.23% 62.61% 0.00% 33.96% 36.31% 39.98% 36.13% 39.62% 40.56%
Profit (Net Income) Margin		 0.00% 18.83% 19.33% 18.21% 0.00% 33.56% 34.47% 36.19% 33.32% 36.93% 37.24%
Tax Burden Percent		 88.02% 95.80% 91.94% 93.14% 91.09% 98.82% 94.92% 90.52% 92.23% 93.22% 91.83%
Interest Burden Percent		 -37.87% 31.61% 33.25% 31.23% -21.21% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 11.98% 4.20% 8.06% 6.86% 8.91% 1.18% 5.08% 9.48% 7.77% 6.78% 8.17%
Return on Invested Capital (ROIC)		 0.00% 11.96% 7.17% 5.82% 0.00% 7.04% 6.34% 6.50% 6.57% 8.45% 7.95%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 11.96% 7.17% 5.82% 0.00% 7.04% 6.34% 6.50% 6.57% 8.45% 7.95%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.56% 5.74% 6.38% 0.00% 4.88% 5.45% 5.93% 5.10% 4.74% 5.46%
Return on Equity (ROE)		 0.00% 12.52% 12.91% 12.21% 0.00% 11.91% 11.79% 12.43% 11.67% 13.19% 13.41%
Cash Return on Invested Capital (CROIC)		 5.10% -147.19% -36.11% 2.88% 8.48% 3.79% 14.62% 1.01% -3.00% 6.20% -1.65%
Operating Return on Assets (OROA)		 0.00% 4.25% 4.35% 4.30% 0.00% 1.31% 1.36% 1.52% 1.44% 1.62% 1.71%
Return on Assets (ROA)		 0.00% 1.29% 1.33% 1.25% 0.00% 1.30% 1.29% 1.37% 1.32% 1.51% 1.57%
Return on Common Equity (ROCE)		 0.00% 12.52% 12.91% 12.21% 0.00% 11.91% 11.79% 12.43% 11.67% 13.19% 13.41%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 12.47% 12.16% 11.93% 0.00% 11.04% 10.74% 11.20% 0.00% 12.01% 12.35%
Net Operating Profit after Tax (NOPAT)		 33 27 29 28 30 26 29 37 36 33 36
NOPAT Margin		 0.00% 18.83% 19.33% 18.21% 0.00% 33.56% 34.47% 36.19% 33.32% 36.93% 37.24%
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		 0.00% 28.09% 25.90% 26.17% 0.00% 46.09% 44.01% 42.91% 43.55% 44.96% 42.41%
Operating Expenses to Revenue		 0.00% 35.72% 33.12% 35.11% 0.00% 60.54% 58.89% 55.78% 58.73% 57.67% 54.61%
Earnings before Interest and Taxes (EBIT)		 -99 88 95 96 -156 26 31 41 39 36 39
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -95 91 99 99 -154 30 33 43 37 40 42
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.10 1.12 1.08 1.28 1.36 1.18 1.09 1.18 1.26 1.27 1.40
Price to Tangible Book Value (P/TBV)		 1.33 1.35 1.28 1.51 1.60 1.38 1.27 1.36 1.45 1.46 1.60
Price to Revenue (P/Rev)		 2.75 1.79 1.72 2.06 3.92 3.52 3.38 3.62 3.80 3.73 4.06
Price to Earnings (P/E)		 8.57 9.04 8.89 10.69 11.95 10.67 10.19 10.53 11.03 10.61 11.32
Dividend Yield		 0.41% 0.40% 0.40% 0.32% 0.30% 0.34% 0.35% 0.32% 0.29% 0.33% 0.33%
Earnings Yield		 11.67% 11.06% 11.24% 9.35% 8.37% 9.37% 9.81% 9.50% 9.07% 9.43% 8.84%
Enterprise Value to Invested Capital (EV/IC)		 0.92 0.97 0.94 1.00 1.06 0.91 0.91 0.98 1.03 1.11 1.14
Enterprise Value to Revenue (EV/Rev)		 4.72 2.75 3.07 3.19 5.42 4.43 4.76 5.59 5.49 4.90 5.57
Enterprise Value to EBITDA (EV/EBITDA)		 11.92 4.42 4.87 5.00 13.99 11.40 12.32 14.00 14.19 12.25 13.59
Enterprise Value to EBIT (EV/EBIT)		 13.19 4.60 5.05 5.18 15.36 12.56 13.52 15.19 14.93 12.90 14.29
Enterprise Value to NOPAT (EV/NOPAT)		 14.71 13.81 15.85 16.57 16.53 13.44 14.34 16.27 15.96 13.94 15.55
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.44 4.37 5.23 3.46 4.23 3.46 3.56 7.52 4.81 4.37 2.57
Enterprise Value to Free Cash Flow (EV/FCFF)		 18.10 0.00 0.00 35.43 12.32 24.48 5.99 99.05 0.00 18.09 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.05 0.77 1.06 0.97 0.79 0.62 0.68 0.86 0.77 0.51 0.69
Long-Term Debt to Equity		 0.81 0.54 0.82 0.67 0.57 0.42 0.48 0.65 0.57 0.37 0.57
Financial Leverage		 1.18 0.05 0.80 1.10 0.91 0.69 0.86 0.91 0.78 0.56 0.69
Leverage Ratio		 9.94 9.74 9.72 9.77 9.32 9.20 9.12 9.04 8.82 8.75 8.53
Compound Leverage Factor		 -3.76 3.08 3.23 3.05 -1.98 9.20 9.12 9.04 8.82 8.75 8.53
Debt to Total Capital		 51.30% 43.60% 51.41% 49.21% 44.02% 38.37% 40.63% 46.31% 43.40% 33.60% 40.80%
Short-Term Debt to Total Capital		 11.93% 13.33% 11.59% 15.01% 12.16% 12.59% 11.92% 11.54% 11.04% 8.98% 7.25%
Long-Term Debt to Total Capital		 39.37% 30.27% 39.81% 34.20% 31.86% 25.78% 28.71% 34.77% 32.36% 24.63% 33.54%
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		 48.70% 56.40% 48.59% 50.79% 55.98% 61.63% 59.37% 53.69% 56.60% 66.40% 59.21%
Debt to EBITDA		 6.67 1.99 2.67 2.45 5.83 4.78 5.47 6.62 5.96 3.71 4.88
Net Debt to EBITDA		 4.97 1.54 2.15 1.77 3.88 2.34 3.57 4.95 4.38 2.93 3.70
Long-Term Debt to EBITDA		 5.12 1.38 2.07 1.70 4.22 3.21 3.87 4.97 4.45 2.72 4.01
Debt to NOPAT		 8.23 6.20 8.70 8.12 6.89 5.64 6.37 7.70 6.71 4.22 5.58
Net Debt to NOPAT		 6.13 4.80 6.99 5.86 4.59 2.76 4.15 5.75 4.93 3.33 4.23
Long-Term Debt to NOPAT		 6.31 4.30 6.74 5.65 4.99 3.79 4.50 5.78 5.00 3.09 4.59
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)		 12 -1,402 -657 -34 69 -25 186 -65 -148 2.42 -136
Operating Cash Flow to CapEx		 4,199.37% 22.60% 258.98% 2,894.03% 1,271.27% -38.97% 234.40% 341.84% 1,365.11% 35.82% 3,515.42%
Free Cash Flow to Firm to Interest Expense		 0.20 -23.24 -10.33 -0.52 1.14 -0.44 3.20 -1.08 -2.50 0.05 -2.57
Operating Cash Flow to Interest Expense		 5.15 0.05 0.41 3.62 2.93 -0.06 0.73 0.79 5.67 0.08 8.88
Operating Cash Flow Less CapEx to Interest Expense		 5.03 -0.16 0.25 3.50 2.70 -0.22 0.42 0.56 5.26 -0.15 8.62
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.07 0.07 0.07 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.93 4.53 4.53 4.54 2.46 2.29 2.10 2.08 1.97 1.96 1.90
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,821 1,609 1,927 1,923 1,782 1,660 1,769 2,024 1,965 1,691 1,942
Invested Capital Turnover		 0.20 0.64 0.37 0.32 0.19 0.21 0.18 0.18 0.20 0.23 0.21
Increase / (Decrease) in Invested Capital		 21 1,429 686 62 -39 51 -157 102 183 31 173
Enterprise Value (EV)		 1,670 1,562 1,804 1,930 1,882 1,518 1,618 1,981 2,029 1,878 2,208
Market Capitalization		 973 1,019 1,008 1,247 1,360 1,205 1,150 1,281 1,403 1,430 1,607
Book Value per Share		 $52.99 $54.03 $55.71 $57.99 $59.13 $60.51 $62.05 $64.16 $66.06 $67.09 $69.64
Tangible Book Value per Share		 $43.85 $44.97 $46.70 $49.06 $50.25 $51.70 $53.29 $55.44 $57.35 $58.35 $60.82
Total Capital		 1,821 1,609 1,927 1,923 1,782 1,660 1,769 2,024 1,965 1,691 1,942
Total Debt		 934 701 990 946 784 637 719 938 853 568 792
Total Long-Term Debt		 717 487 767 658 568 428 508 704 636 416 651
Net Debt		 697 543 796 683 522 312 468 700 627 449 600
Capital Expenditures (CapEx)		 6.93 12 10 8.23 14 9.12 18 14 25 12 13
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)		 934 701 990 946 784 637 719 938 853 568 792
Total Depreciation and Amortization (D&A)		 3.50 3.18 3.32 3.02 2.43 3.59 2.65 2.46 -1.61 4.19 2.86
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.97 $1.59 $1.73 $1.65 $1.80 $1.53 $1.71 $2.17 $2.13 $2.00 $2.20
Adjusted Weighted Average Basic Shares Outstanding		 16.73M 16.78M 16.81M 16.85M 16.83M 16.90M 16.93M 16.92M 16.88M 16.65M 16.49M
Adjusted Diluted Earnings per Share		 $1.95 $1.58 $1.72 $1.64 $1.77 $1.52 $1.71 $2.16 $2.10 $1.99 $2.19
Adjusted Weighted Average Diluted Shares Outstanding		 16.87M 16.91M 16.92M 16.98M 16.96M 17.01M 17.01M 17.02M 16.97M 16.74M 16.57M
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		 16.79M 16.81M 16.84M 16.87M 16.90M 16.93M 16.94M 16.84M 16.73M 16.51M 16.38M
Normalized Net Operating Profit after Tax (NOPAT)		 33 27 29 30 30 26 29 37 36 33 36
Normalized NOPAT Margin		 0.00% 18.83% 19.33% 19.67% 0.00% 33.56% 34.47% 36.19% 33.32% 36.93% 37.24%
Pre Tax Income Margin		 0.00% 19.66% 21.02% 19.55% 0.00% 33.96% 36.31% 39.98% 36.13% 39.62% 40.56%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 -1.74 1.46 1.50 1.45 -2.59 0.46 0.53 0.67 0.65 0.68 0.74
NOPAT to Interest Expense		 0.58 0.44 0.46 0.42 0.50 0.46 0.50 0.61 0.60 0.63 0.68
EBIT Less CapEx to Interest Expense		 -1.87 1.26 1.34 1.33 -2.82 0.30 0.22 0.44 0.24 0.45 0.49
NOPAT Less CapEx to Interest Expense		 0.46 0.24 0.30 0.30 0.27 0.29 0.19 0.38 0.19 0.40 0.43
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 3.55% 3.55% 3.53% 4.32% 3.54% 3.58% 3.59% 2.50% 3.19% 3.01% 3.32%
Augmented Payout Ratio		 3.55% 3.55% 3.53% 4.32% 3.54% 3.58% 3.59% 2.50% 20.20% 34.52% 42.71%

Financials Breakdown Chart

Key Financial Trends

QCR Holdings’ latest results show improving earnings momentum, balance-sheet growth and stronger shareholder returns, although funding costs, credit provisions and volatile cash-flow movements remain important risks. The comparison covers quarterly data from 2022 through Q2 2026. Several historical figures are marked as restated or calculated, so investors should focus on broad trends rather than treating every line item as perfectly comparable.

Q2 2026 net income rose to $36.3 million, up from $29.1 million in Q2 2025 and $15.2 million in Q2 2022. Diluted earnings per share increased to $2.19 from $1.71 a year earlier and $0.87 in Q2 2022. The latest quarter also marked sequential improvement from Q1 2026 net income of $33.4 million and diluted EPS of $1.99.

Revenue growth has been supported by both net interest income and non-interest income. Q2 2026 net interest income reached $67.9 million, compared with $62.1 million in Q2 2025 and $59.4 million in Q2 2022. Non-interest income increased to $29.4 million from $22.2 million in Q2 2025. However, total interest expense also remains substantial at $53.1 million, with deposit interest expense accounting for $46.8 million.

QCR Holdings’ balance sheet has expanded over the period. Total assets increased to $9.5 billion at June 30, 2026, from $7.4 billion at June 30, 2022. Net loans grew to $6.95 billion from $5.71 billion, while total deposits increased to approximately $7.42 billion from $5.82 billion. Common equity rose to $1.15 billion from $743.1 million, improving common equity as a percentage of assets from roughly 10.0% to 12.1%.

Cash-flow data are more volatile than the income statement. Operating cash flow was $471.5 million in Q2 2026, compared with only $4.4 million in Q1 2026 and $42.2 million in Q2 2025. The latest figure included a $408.0 million non-cash reconciliation adjustment, meaning it should not be interpreted as recurring cash earnings. Investment activity continued to consume cash, with a $314.4 million investing outflow in Q2 2026.

  • Strong earnings growth: Q2 2026 net income increased approximately 25% year over year and more than doubled compared with Q2 2022.
  • Higher diluted EPS: Diluted EPS reached $2.19, up from $1.99 in Q1 2026 and $1.71 in Q2 2025.
  • Improving net interest income: Net interest income rose to $67.9 million in Q2 2026, its highest level among the comparable second-quarter figures provided.
  • Non-interest revenue expansion: Q2 2026 non-interest income of $29.4 million was approximately 32% above Q2 2025, led by higher service charges and other non-interest income.
  • Long-term balance-sheet growth: Total assets, net loans and deposits have all expanded materially since 2022, supporting a larger operating base.
  • Improved equity base: Common equity increased to $1.15 billion, while the equity-to-assets ratio improved from roughly 10.0% in Q2 2022 to 12.1% in Q2 2026.
  • Share-count reduction: Weighted average basic shares declined to approximately 16.5 million in Q2 2026 from 17.3 million in Q2 2022, helping support per-share earnings.
  • Higher shareholder distributions: The quarterly dividend increased to $0.10 per share in Q1 and Q2 2026 from $0.06 per share throughout the 2023–2025 periods shown.
  • Investment portfolio growth: Trading account securities increased to $1.62 billion from $977.4 million in Q2 2022, potentially adding interest income but also exposing results to market and interest-rate movements.
  • Funding costs and credit provisions remain elevated: Q2 2026 interest expense was $53.1 million and the provision for credit losses rose to $4.7 million from $2.5 million in Q1 2026, which could pressure margins if rates or credit conditions worsen.

Overall, the statements point to a stronger earnings profile than QCR Holdings had in 2022, with expanding loans and deposits, rising equity and improved EPS. Investors should nevertheless monitor the cost of deposits, the level of loan-loss provisions, debt funding and the sustainability of cash flow, particularly because the latest operating cash-flow result was heavily influenced by a large non-cash adjustment.

09/13/26 05:00 AM ETAI Generated. May Contain Errors.

QCR Financials - Frequently Asked Questions

According to the most recent income statement we have on file, QCR's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

QCR's net income appears to be on an upward trend, with a most recent value of $127.19 million in 2025, rising from $16.93 million in 2015. The previous period was $113.85 million in 2024. View QCR's forecast to see where analysts expect QCR to go next.

Over the last 10 years, QCR's total revenue changed from $100.66 million in 2015 to $369.54 million in 2025, a change of 267.1%.

QCR's total liabilities were at $8.39 billion at the end of 2025, a 4.4% increase from 2024, and a 254.2% increase since 2015.

In the past 10 years, QCR's cash and equivalents has ranged from $37.49 million in 2021 to $97.12 million in 2023, and is currently $76.49 million as of their latest financial filing in 2025.

Over the last 10 years, QCR's book value per share changed from 21.83 in 2015 to 66.06 in 2025, a change of 202.5%.


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Financial statements for NASDAQ:QCRH last updated on 8/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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