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QCR (QCRH) Financials

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$88.77 +1.19 (+1.36%)
Closing price 04:00 PM Eastern
Extended Trading
$88.65 -0.12 (-0.14%)
As of 05:44 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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
Net Income / (Loss) Attributable to Common Shareholders		 25 32 27 29 28 29 26 29 37 36 33
Consolidated Net Income / (Loss)		 25 33 27 29 28 30 26 29 37 36 33
Net Income / (Loss) Continuing Operations		 25 32 27 29 28 29 26 29 37 36 33
Total Pre-Tax Income 		27 37 28 32 30 33 26 31 41 39 36
Total Revenue		 135 -32 82 87 87 -98 77 84 101 107 90
Net Interest Income / (Expense)		 55 56 55 56 60 61 60 62 65 68 67
Total Interest Income		 109 112 115 120 125 122 117 120 125 127 120
Loans and Leases Interest Income		 73 76 77 80 82 78 74 103 77 24 77
Investment Securities Interest Income		 33 34 36 38 40 41 40 15 46 101 41
Deposits and Money Market Investments Interest Income		 1.21 0.99 1.20 1.14 1.92 1.82 1.80 1.63 1.34 1.73 1.49
Federal Funds Sold and Securities Borrowed Interest Income		 0.28 0.26 0.27 0.18 0.17 0.07 0.10 0.16 0.16 0.12 0.07
Other Interest Income		 0.66 0.67 0.67 0.87 0.84 0.61 0.53 0.62 0.57 0.55 0.39
Total Interest Expense		 53 57 60 64 66 60 57 58 60 59 53
Deposits Interest Expense		 44 48 51 53 55 53 50 51 53 50 46
Short-Term Borrowings Interest Expense		 0.01 0.04 0.02 0.02 0.03 0.02 0.02 0.02 0.02 0.03 0.03
Long-Term Debt Interest Expense		 9.73 8.86 8.91 11 10 7.14 6.28 7.14 6.90 6.81 5.90
Other Interest Expense		 - - - - 0.00 - 0.00 - 0.48 - 1.17
Total Non-Interest Income		 27 48 27 31 27 31 17 22 37 39 23
Other Service Charges		 17 39 17 19 18 22 7.85 20 25 8.33 13
Net Realized & Unrealized Capital Gains on Investments		 0.48 -0.92 0.24 0.60 -0.50 -2.00 -0.71 0.83 0.86 1.36 -0.26
Other Non-Interest Income		 9.76 9.00 9.17 11 9.69 9.92 9.75 1.00 11 29 11
Provision for Credit Losses		 3.81 5.20 2.97 5.50 3.48 5.15 4.23 4.04 4.31 5.50 2.45
Total Non-Interest Expense		 51 61 51 50 54 53 47 50 57 63 52
Salaries and Employee Benefits		 32 41 32 31 32 34 27 28 34 37 31
Net Occupancy & Equipment Expense		 6.23 6.79 6.51 6.38 6.17 6.35 6.46 6.84 7.36 7.36 7.48
Marketing Expense		 1.43 1.64 1.48 1.57 2.12 1.89 1.61 1.75 1.83 2.35 1.78
Other Operating Expenses		 10 12 10 10 11 12 10 12 12 13 11
Amortization Expense		 0.69 0.72 0.69 0.69 0.69 0.69 0.66 0.66 0.66 1.00 0.51
Income Tax Expense		 1.84 4.47 1.17 2.55 2.05 2.96 0.31 1.55 3.84 3.00 2.43
Basic Earnings per Share		 $1.50 $1.97 $1.59 $1.73 $1.65 $1.80 $1.53 $1.71 $2.17 $2.13 $2.00
Weighted Average Basic Shares Outstanding		 16.72M 16.73M 16.78M 16.81M 16.85M 16.83M 16.90M 16.93M 16.92M 16.88M 16.65M
Diluted Earnings per Share		 $1.49 $1.95 $1.58 $1.72 $1.64 $1.77 $1.52 $1.71 $2.16 $2.10 $1.99
Weighted Average Diluted Shares Outstanding		 16.85M 16.87M 16.91M 16.92M 16.98M 16.96M 17.01M 17.01M 17.02M 16.97M 16.74M
Weighted Average Basic & Diluted Shares Outstanding		 16.73M 16.79M 16.81M 16.84M 16.87M 16.90M 16.93M 16.94M 16.84M 16.73M 16.51M
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 $0.10

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
Net Change in Cash & Equivalents		 20 -7.14 -16 11 12 -12 7.26 5.78 -27 -1.09 3.54
Net Cash From Operating Activities		 25 291 2.74 26 238 177 -3.55 42 47 335 4.40
Net Cash From Continuing Operating Activities		 25 291 2.74 26 238 177 -3.55 42 47 335 4.40
Net Income / (Loss) Continuing Operations		 25 33 27 29 28 30 26 29 37 36 33
Consolidated Net Income / (Loss)		 25 33 27 29 28 30 26 29 37 36 33
Provision For Loan Losses		 3.81 5.20 2.97 5.50 3.48 5.15 4.23 4.04 4.31 5.50 2.45
Depreciation Expense		 2.09 2.59 2.24 2.28 1.68 2.27 2.21 2.31 2.48 2.33 2.32
Amortization Expense		 1.14 0.90 0.94 1.04 1.35 0.16 1.38 0.34 -0.02 -3.94 1.88
Non-Cash Adjustments to Reconcile Net Income		 1.99 237 1.07 -3.93 196 125 1.76 0.16 -1.05 284 -0.44
Changes in Operating Assets and Liabilities, net		 -9.26 13 -31 -7.65 7.36 15 -39 6.35 5.05 12 -35
Net Cash From Investing Activities		 -186 -323 -82 -251 -337 -175 -123 -97 -324 -311 -115
Net Cash From Continuing Investing Activities		 -186 -323 -82 -251 -337 -175 -123 -97 -324 -311 -115
Purchase of Property, Leasehold Improvements and Equipment		 -3.29 -6.92 -12 -10 -8.23 -14 -9.12 -18 -16 -25 -12
Purchase of Investment Securities		 -279 -317 -158 -234 -292 -216 -90 -180 -313 -324 -160
Sale and/or Maturity of Investments		 105 14 52 -5.82 -37 65 -53 112 -6.68 21 33
Net Increase in Fed Funds Sold		 -12 -15 31 -4.00 -5.05 -14 18 -18 4.80 -0.95 22
Other Investing Activities, net		 3.25 2.33 5.00 3.35 5.18 3.73 10 7.52 4.51 17 1.43
Net Cash From Financing Activities		 181 25 63 236 111 -14 134 60 249 -26 114
Net Cash From Continuing Financing Activities		 181 25 63 236 111 -14 134 60 249 -26 114
Net Change in Deposits		 -112 19 293 -42 220 77 276 -19 62 34 357
Issuance of Debt		 - -128 1.20 279 -40 0.30 0.25 -60 267 -5.22 -0.47
Issuance of Common Equity		 0.46 0.47 0.28 -0.27 1.24 0.23 -1.13 0.85 0.63 0.77 0.11
Repayment of Debt		 294 134 -230 - - -91 -140 140 -70 -42 -220
Repurchase of Common Equity		 - - - - - - 0.00 - - -13 -21
Payment of Dividends		 -1.00 -1.00 -1.00 -1.01 -2.02 - -1.01 -1.02 -1.02 -1.02 -1.01
Cash Interest Paid		 - - - - - - 58 - - - 53

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 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 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
Total Assets		 7,730 8,037 8,227 8,540 8,600 8,872 9,089 9,153 9,242 9,568 9,614
Cash and Due from Banks		 86 64 84 104 81 92 104 99 105 78 80
Federal Funds Sold		 28 16 8.77 20 4.15 8.15 13 8.90 27 22 0.95
Interest Bearing Deposits at Other Banks		 43 238 166 60 73 94 146 217 119 138 38
Trading Account Securities		 528 1,148 772 1,188 1,216 1,228 1,408 1,402 1,448 1,516 1,535
Loans and Leases, Net of Allowance		 6,455 -87 6,575 6,519 6,564 6,767 6,742 6,733 6,836 7,090 7,200
Loans and Leases		 6,545 - 6,661 6,606 6,648 6,854 6,829 6,823 6,925 7,179 7,286
Allowance for Loan and Lease Losses		 90 87 86 88 84 88 86 90 89 89 85
Premises and Equipment, Net		 115 118 118 119 133 141 147 166 182 193 225
Goodwill		 138 138 139 139 139 139 139 139 139 139 139
Intangible Assets		 18 16 15 15 13 12 12 10 9.74 9.08 7.57
Other Assets		 320 6,525 348 376 377 391 377 378 377 383 388
Total Liabilities & Shareholders' Equity		 7,730 8,037 8,227 8,540 8,600 8,872 9,089 9,153 9,242 9,568 9,614
Total Liabilities		 6,993 8,140 7,404 7,712 7,692 7,936 8,112 8,130 8,192 8,481 8,491
Non-Interest Bearing Deposits		 1,316 7,692 1,102 1,028 955 956 969 964 952 932 988
Interest Bearing Deposits		 4,625 - 5,505 5,467 5,852 5,808 6,015 6,374 6,366 6,448 6,783
Short-Term Debt		 85 1.10 1.85 321 214 223 289 209 211 234 152
Long-Term Debt		 616 281 417 712 487 767 658 428 508 704 416
Other Long-Term Liabilities		 350 166 379 184 184 181 181 156 155 164 152
Total Equity & Noncontrolling Interests		 737 801 823 828 907 936 977 1,023 1,051 1,087 1,122
Total Preferred & Common Equity		 737 801 823 828 907 936 977 1,023 1,051 1,087 1,122
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		 737 801 823 828 907 936 977 1,023 1,051 1,087 1,122
Common Stock		 389 385 386 387 388 389 391 392 394 392 385
Retained Earnings		 423 472 499 523 581 609 636 690 718 747 790
Accumulated Other Comprehensive Income / (Loss)		 -75 -56 -62 -55 -39 -39 -32 -40 -44 -37 -38
Other Equity Adjustments		 - - - -26 -23 -23 -18 -19 -17 -16 -14

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
DEI Shares Outstanding		 - - - - - - - - - 16,838,653.00 16,730,722.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 16,838,653.00 16,730,722.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 2.12 2.00
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 34.67% -4,385.06% 18.20% 15.08% 12.89% -201.61% -5.74% -3.28% 16.77% 16.54% 17.58%
EBITDA Growth		 48.84% -102.30% 29.30% 21.81% 18.01% -62.01% -4.45% -5.05% 30.93% 4.08% 34.73%
EBIT Growth		 52.57% -95.49% 31.04% 22.80% 19.00% -58.73% -6.43% -3.46% 35.96% 16.54% 37.18%
NOPAT Growth		 -14.25% 6.31% -1.59% 2.42% 10.60% -8.00% -3.48% -0.33% 32.14% 18.00% 29.41%
Net Income Growth		 -14.25% 6.31% -1.59% 2.42% 10.60% -8.00% -3.48% -0.33% 32.14% 18.00% 29.41%
EPS Growth		 -12.87% 8.33% -1.25% 1.78% 10.07% -9.23% -3.80% -0.58% 31.71% 18.64% 30.92%
Operating Cash Flow Growth		 8.21% 591.72% -87.39% -31.92% 856.62% -39.06% -229.52% 60.31% -80.07% 89.14% 223.80%
Free Cash Flow Firm Growth		 31.06% -99.61% -246.26% -677.64% 91.38% 498.45% 98.21% 128.39% -90.06% -313.83% 109.62%
Invested Capital Growth		 29.35% 1.18% 796.10% 55.25% 3.33% -2.14% 3.17% -8.17% 5.29% 10.30% 1.87%
Revenue Q/Q Growth		 3.26% -123.99% -11.30% 6.15% 1.29% -164.10% 178.61% 9.52% 20.49% 5.49% -15.54%
EBITDA Q/Q Growth		 3.20% -213.84% -6.07% 7.81% -0.02% -256.29% 119.28% 11.88% 29.49% -13.85% 7.96%
EBIT Q/Q Growth		 3.49% -222.78% -5.96% 7.94% 0.29% -263.77% 116.69% 17.11% 32.67% -4.66% -7.39%
NOPAT Q/Q Growth		 -11.62% 30.79% -18.65% 8.94% -4.56% 8.78% -14.65% 12.49% 26.52% -2.86% -6.40%
Net Income Q/Q Growth		 -11.62% 30.79% -18.65% 8.94% -4.56% 8.78% -14.65% 12.49% 26.52% -2.86% -6.40%
EPS Q/Q Growth		 -11.83% 30.87% -18.97% 8.86% -4.65% 7.93% -14.12% 12.50% 26.32% -2.78% -5.24%
Operating Cash Flow Q/Q Growth		 -35.67% 1,068.95% -99.06% 860.02% 803.93% -25.53% -102.00% 1,288.24% 12.38% 606.76% -98.69%
Free Cash Flow Firm Q/Q Growth		 -449.29% 102.91% -12,244.17% 53.18% 94.79% 301.96% -136.38% 841.29% -134.89% -127.21% 103.43%
Invested Capital Q/Q Growth		 49.93% -2.16% -11.64% 19.78% -0.21% -7.33% -6.86% 6.62% 14.42% -2.93% -10.45%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 61.79% 0.00% 64.43% 65.44% 64.59% 0.00% 38.62% 39.46% 42.40% 34.63% 44.26%
EBIT Margin		 59.39% 0.00% 62.19% 63.23% 62.61% 0.00% 33.96% 36.31% 39.98% 36.13% 39.62%
Profit (Net Income) Margin		 18.59% 0.00% 18.83% 19.33% 18.21% 0.00% 33.56% 34.47% 36.19% 33.32% 36.93%
Tax Burden Percent		 93.18% 88.02% 95.80% 91.94% 93.14% 91.09% 98.82% 94.92% 90.52% 92.23% 93.22%
Interest Burden Percent		 33.59% -37.87% 31.61% 33.25% 31.23% -21.21% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 6.82% 11.98% 4.20% 8.06% 6.86% 8.91% 1.18% 5.08% 9.48% 7.77% 6.78%
Return on Invested Capital (ROIC)		 5.03% 0.00% 11.96% 7.17% 5.82% 0.00% 7.04% 6.34% 6.50% 6.57% 8.45%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.03% 0.00% 11.96% 7.17% 5.82% 0.00% 7.04% 6.34% 6.50% 6.57% 8.45%
Return on Net Nonoperating Assets (RNNOA)		 5.58% 0.00% 0.56% 5.74% 6.38% 0.00% 4.88% 5.45% 5.93% 5.10% 4.74%
Return on Equity (ROE)		 10.61% 0.00% 12.52% 12.91% 12.21% 0.00% 11.91% 11.79% 12.43% 11.67% 13.19%
Cash Return on Invested Capital (CROIC)		 -18.83% 5.10% -147.19% -36.11% 2.88% 8.48% 3.79% 14.62% 1.01% -3.00% 6.20%
Operating Return on Assets (OROA)		 3.26% 0.00% 4.25% 4.35% 4.30% 0.00% 1.31% 1.36% 1.52% 1.44% 1.62%
Return on Assets (ROA)		 1.02% 0.00% 1.29% 1.33% 1.25% 0.00% 1.30% 1.29% 1.37% 1.32% 1.51%
Return on Common Equity (ROCE)		 10.61% 0.00% 12.52% 12.91% 12.21% 0.00% 11.91% 11.79% 12.43% 11.67% 13.19%
Return on Equity Simple (ROE_SIMPLE)		 13.47% 0.00% 12.47% 12.16% 11.93% 0.00% 11.04% 10.74% 11.20% 0.00% 12.01%
Net Operating Profit after Tax (NOPAT)		 25 33 27 29 28 30 26 29 37 36 33
NOPAT Margin		 18.59% 0.00% 18.83% 19.33% 18.21% 0.00% 33.56% 34.47% 36.19% 33.32% 36.93%
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		 29.41% 0.00% 28.09% 25.90% 26.17% 0.00% 46.09% 44.01% 42.91% 43.55% 44.96%
Operating Expenses to Revenue		 37.79% 0.00% 35.72% 33.12% 35.11% 0.00% 60.54% 58.89% 55.78% 58.73% 57.67%
Earnings before Interest and Taxes (EBIT)		 80 -99 88 95 96 -156 26 31 41 39 36
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 84 -95 91 99 99 -154 30 33 43 37 40
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.98 1.10 1.12 1.08 1.28 1.36 1.18 1.09 1.18 1.26 1.27
Price to Tangible Book Value (P/TBV)		 1.20 1.33 1.35 1.28 1.51 1.60 1.38 1.27 1.36 1.45 1.46
Price to Revenue (P/Rev)		 1.81 2.75 1.79 1.72 2.06 3.92 3.52 3.38 3.62 3.80 3.73
Price to Earnings (P/E)		 15.38 8.57 9.04 8.89 10.69 11.95 10.67 10.19 10.53 11.03 10.61
Dividend Yield		 0.50% 0.41% 0.40% 0.40% 0.32% 0.30% 0.34% 0.35% 0.32% 0.29% 0.33%
Earnings Yield		 6.50% 11.67% 11.06% 11.24% 9.35% 8.37% 9.37% 9.81% 9.50% 9.07% 9.43%
Enterprise Value to Invested Capital (EV/IC)		 0.89 0.92 0.97 0.94 1.00 1.06 0.91 0.91 0.98 1.03 1.11
Enterprise Value to Revenue (EV/Rev)		 3.70 4.72 2.75 3.07 3.19 5.42 4.43 4.76 5.59 5.49 4.90
Enterprise Value to EBITDA (EV/EBITDA)		 6.63 11.92 4.42 4.87 5.00 13.99 11.40 12.32 14.00 14.19 12.25
Enterprise Value to EBIT (EV/EBIT)		 7.01 13.19 4.60 5.05 5.18 15.36 12.56 13.52 15.19 14.93 12.90
Enterprise Value to NOPAT (EV/NOPAT)		 14.83 14.71 13.81 15.85 16.57 16.53 13.44 14.34 16.27 15.96 13.94
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.99 4.44 4.37 5.23 3.46 4.23 3.46 3.56 7.52 4.81 4.37
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 18.10 0.00 0.00 35.43 12.32 24.48 5.99 99.05 0.00 18.09
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.25 1.05 0.77 1.06 0.97 0.79 0.62 0.68 0.86 0.77 0.51
Long-Term Debt to Equity		 0.86 0.81 0.54 0.82 0.67 0.57 0.42 0.48 0.65 0.57 0.37
Financial Leverage		 1.11 1.18 0.05 0.80 1.10 0.91 0.69 0.86 0.91 0.78 0.56
Leverage Ratio		 10.39 9.94 9.74 9.72 9.77 9.32 9.20 9.12 9.04 8.82 8.75
Compound Leverage Factor		 3.49 -3.76 3.08 3.23 3.05 -1.98 9.20 9.12 9.04 8.82 8.75
Debt to Total Capital		 55.48% 51.30% 43.60% 51.41% 49.21% 44.02% 38.37% 40.63% 46.31% 43.40% 33.60%
Short-Term Debt to Total Capital		 17.23% 11.93% 13.33% 11.59% 15.01% 12.16% 12.59% 11.92% 11.54% 11.04% 8.98%
Long-Term Debt to Total Capital		 38.25% 39.37% 30.27% 39.81% 34.20% 31.86% 25.78% 28.71% 34.77% 32.36% 24.63%
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		 44.52% 48.70% 56.40% 48.59% 50.79% 55.98% 61.63% 59.37% 53.69% 56.60% 66.40%
Debt to EBITDA		 4.14 6.67 1.99 2.67 2.45 5.83 4.78 5.47 6.62 5.96 3.71
Net Debt to EBITDA		 3.40 4.97 1.54 2.15 1.77 3.88 2.34 3.57 4.95 4.38 2.93
Long-Term Debt to EBITDA		 2.85 5.12 1.38 2.07 1.70 4.22 3.21 3.87 4.97 4.45 2.72
Debt to NOPAT		 9.25 8.23 6.20 8.70 8.12 6.89 5.64 6.37 7.70 6.71 4.22
Net Debt to NOPAT		 7.59 6.13 4.80 6.99 5.86 4.59 2.76 4.15 5.75 4.93 3.33
Long-Term Debt to NOPAT		 6.38 6.31 4.30 6.74 5.65 4.99 3.79 4.50 5.78 5.00 3.09
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)		 -397 12 -1,402 -657 -34 69 -25 186 -65 -148 2.42
Operating Cash Flow to CapEx		 771.13% 4,199.37% 22.60% 258.98% 2,894.03% 1,271.27% -38.97% 234.40% 341.84% 1,365.11% 35.82%
Free Cash Flow to Firm to Interest Expense		 -7.45 0.20 -23.24 -10.33 -0.52 1.14 -0.44 3.20 -1.08 -2.50 0.05
Operating Cash Flow to Interest Expense		 0.47 5.15 0.05 0.41 3.62 2.93 -0.06 0.73 0.79 5.67 0.08
Operating Cash Flow Less CapEx to Interest Expense		 0.41 5.03 -0.16 0.25 3.50 2.70 -0.22 0.42 0.56 5.26 -0.15
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.04 0.07 0.07 0.07 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 3.82 2.93 4.53 4.53 4.54 2.46 2.29 2.10 2.08 1.97 1.96
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,861 1,821 1,609 1,927 1,923 1,782 1,660 1,769 2,024 1,965 1,691
Invested Capital Turnover		 0.27 0.20 0.64 0.37 0.32 0.19 0.21 0.18 0.18 0.20 0.23
Increase / (Decrease) in Invested Capital		 422 21 1,429 686 62 -39 51 -157 102 183 31
Enterprise Value (EV)		 1,655 1,670 1,562 1,804 1,930 1,882 1,518 1,618 1,981 2,029 1,878
Market Capitalization		 808 973 1,019 1,008 1,247 1,360 1,205 1,150 1,281 1,403 1,430
Book Value per Share		 $49.56 $52.99 $54.03 $55.71 $57.99 $59.13 $60.51 $62.05 $64.16 $66.06 $67.09
Tangible Book Value per Share		 $40.37 $43.85 $44.97 $46.70 $49.06 $50.25 $51.70 $53.29 $55.44 $57.35 $58.35
Total Capital		 1,861 1,821 1,609 1,927 1,923 1,782 1,660 1,769 2,024 1,965 1,691
Total Debt		 1,032 934 701 990 946 784 637 719 938 853 568
Total Long-Term Debt		 712 717 487 767 658 568 428 508 704 636 416
Net Debt		 847 697 543 796 683 522 312 468 700 627 449
Capital Expenditures (CapEx)		 3.23 6.93 12 10 8.23 14 9.12 18 14 25 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)		 1,032 934 701 990 946 784 637 719 938 853 568
Total Depreciation and Amortization (D&A)		 3.24 3.50 3.18 3.32 3.02 2.43 3.59 2.65 2.46 -1.61 4.19
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.50 $1.97 $1.59 $1.73 $1.65 $1.80 $1.53 $1.71 $2.17 $2.13 $2.00
Adjusted Weighted Average Basic Shares Outstanding		 16.72M 16.73M 16.78M 16.81M 16.85M 16.83M 16.90M 16.93M 16.92M 16.88M 16.65M
Adjusted Diluted Earnings per Share		 $1.49 $1.95 $1.58 $1.72 $1.64 $1.77 $1.52 $1.71 $2.16 $2.10 $1.99
Adjusted Weighted Average Diluted Shares Outstanding		 16.85M 16.87M 16.91M 16.92M 16.98M 16.96M 17.01M 17.01M 17.02M 16.97M 16.74M
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		 16.73M 16.79M 16.81M 16.84M 16.87M 16.90M 16.93M 16.94M 16.84M 16.73M 16.51M
Normalized Net Operating Profit after Tax (NOPAT)		 25 33 27 29 30 30 26 29 37 36 33
Normalized NOPAT Margin		 18.59% 0.00% 18.83% 19.33% 19.67% 0.00% 33.56% 34.47% 36.19% 33.32% 36.93%
Pre Tax Income Margin		 19.95% 0.00% 19.66% 21.02% 19.55% 0.00% 33.96% 36.31% 39.98% 36.13% 39.62%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.51 -1.74 1.46 1.50 1.45 -2.59 0.46 0.53 0.67 0.65 0.68
NOPAT to Interest Expense		 0.47 0.58 0.44 0.46 0.42 0.50 0.46 0.50 0.61 0.60 0.63
EBIT Less CapEx to Interest Expense		 1.45 -1.87 1.26 1.34 1.33 -2.82 0.30 0.22 0.44 0.24 0.45
NOPAT Less CapEx to Interest Expense		 0.41 0.46 0.24 0.30 0.30 0.27 0.29 0.19 0.38 0.19 0.40
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 3.62% 3.55% 3.55% 3.53% 4.32% 3.54% 3.58% 3.59% 2.50% 3.19% 3.01%
Augmented Payout Ratio		 3.62% 3.55% 3.55% 3.53% 4.32% 3.54% 3.58% 3.59% 2.50% 20.20% 34.52%

Financials Breakdown Chart

Key Financial Trends

Here are key, quick-hit takeaways for QCR Holdings Inc (QCRH) based on the last four years of quarterly statements provided (Q1–Q4 2025 and earlier). The focus is on trends in revenue, profitability, cash flow, and the balance sheet that may matter to retail investors.

  • Revenue growth in Q4 2025: Total revenue reached $107.019 million, up from $76.878 million in Q3 2025 and continuing a positive trajectory through 2025.
  • Net interest income rising: Net interest income climbed to $68.354 million in Q4 2025, up from $64.800 million in Q3 2025, signaling stronger core lending and deposit activity.
  • Solid earnings per share: Diluted EPS came in at $2.10 for Q4 2025 (basic $2.13), with a tendency toward the low $2-range across 2025, suggesting consistent profitability.
  • Strong operating cash flow: Net cash from continuing operating activities was $335.408 million in Q4 2025, highlighting robust cash generation.
  • Steady dividend per share: Cash dividends per share remained at $0.06, indicating an ongoing shareholder payout without cuts in the latest quarter.
  • Balance sheet growth: Total assets rose to about $9.57 billion by Q3 2025 (up from $9.24 billion in Q2 2025), reflecting asset growth and expansion of the loan portfolio.
  • Credit provisions stable: Provision for credit losses remained modest and fairly stable (roughly $4.0–5.5 million per quarter) across 2025, implying stable credit quality rather than a meaningful uptick in losses.
  • Financing cash flow weakness in Q4 2025: Net cash from financing activities was negative at about $25.93 million in Q4 2025, indicating cash outflows related to debt repayments and similar financing uses.
05/18/26 07:50 PM ETAI Generated. May Contain Errors.

QCR Financials - Frequently Asked Questions

According to the most recent income statement we have on file, QCR's fiscal year ends in December. Their fiscal 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. Check out QCR's forecast to explore projected trends and price targets.

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 5/12/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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