QCR Holdings delivers a perfect 4-for-4 earnings beat streak with 21% year-over-year revenue growth, a Piotroski F-Score of 8/9, and 37% net margins, but currently trades at just 2.6% below its 52-week high with analyst targets already reached, leaving limited near-term upside for new positions.
Thesis pillars
- Quality And Margin Strength→Stable
- Earnings Beat And Growth↓Deteriorating
- At Or Above Analyst Target→Stable
- +1 more pillar — see the Why tab for full reasoning
QCR Holdings, Inc. (QCRH) Stock Analysis
Inst Constrain edge
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $103.10, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (1.1% away).
QCR Holdings is a multi-bank holding company operating four community banks — Quad City Bank & Trust, Cedar Rapids Bank & Trust, Community State Bank, and Guaranty Bank — serving Iowa and Missouri markets with combined segment assets of approximately $9.7 billion as of December... Read more
Hold if already holding. Not a fresh buy at $103.10, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (1.1% away). Chart setup: No clear chart pattern; technical signals are mixed. Downgraded from BUY WAIT — price $103.10 has reached target $102.20. No upside to wait for. Score 6.5/10, moderate confidence.
Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news boost analyst 0.35, earnings proximity 83d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
About QCR Holdings, Inc.
About QCR Holdings, Inc.
QCR Holdings operates four separately chartered community banks — Quad City Bank & Trust, Cedar Rapids Bank & Trust, Community State Bank, and Guaranty Bank — serving the Quad Cities, Cedar Rapids, Des Moines, and Springfield/Joplin markets across Iowa and Missouri, with combined segment assets of approximately $9.7 billion as of December 31, 2025. Consolidated loans and leases totaled $7.17 billion, up from $6.78 billion a year earlier, funded primarily by FDIC-insured deposits.
QCR Holdings earns net interest income on the spread between loan and securities yields and deposit and borrowing costs, supplemented by trust fees, investment advisory and management fees, deposit service charges, capital markets revenue, and gains on sale of residential and government-guaranteed loans. Each subsidiary bank sets its own in-house lending limits below the Iowa or Missouri legal lending limit — ranging from $7.25 million to $23 million by risk tier — to manage single-borrower concentration, and the consolidated loan book spans construction and land development (18%), multi-family (25%), C&I (23% combined revolving and other), and CRE (23% combined owner- and non-owner-occupied) categories. The Federal Reserve is the primary federal regulator for the holding company and all four banks, with the Iowa Division of Banking additionally overseeing QCBT, CRBT, and CSB and the Missouri Division of Finance overseeing GB. The company discontinued new originations through its m2 equipment-leasing subsidiary in September 2024.
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QCR Holdings' loan book concentrates more heavily in multi-family and construction lending than the typical community bank, with multi-family loans alone comprising 25% of the consolidated portfolio — and as much as 32% at Cedar Rapids Bank & Trust specifically — while construction and land development add another 18% consolidated. Because both categories carry above-average sensitivity to refinancing conditions and construction-cost inflation, and because the company reviews CRE concentrations against risk-based capital only on a quarterly cadence rather than continuously, a sharp move in long-term rates or a regional multi-family oversupply would test loan quality at CRBT before it shows up company-wide.
See also: Financial Services · Banks - Regional
From QCR Holdings, Inc.'s most recent 10-K filing, extracted July 6, 2026.
Recent developments
updated 2026-07-31Recent Developments — QCR Holdings, Inc.
Latest news
- NEWS QCR Holdings (QCRH) Reports Q2 Earnings: What Key Metrics Have to Say - Yahoo Finance — Yahoo Finance neutral
- NEWS QCR Holdings (QCRH) Beats Q2 Earnings and Revenue Estimates - Yahoo Finance — Yahoo Finance positive
- NEWS QCR Holdings (NASDAQ:QCRH) Misses Q2 CY2026 Sales Expectations - StockStory — StockStory negative
- NEWS QCR Holdings (NASDAQ:QCRH) Misses Q2 CY2026 Sales Expectations - FinancialContent — FinancialContent negative
- NEWS Did QCR Holdings Inc (QCRH) Justify its 29% Overvaluation with Q - GuruFocus — GuruFocus positive
Generated 2026-07-31T02:43:38Z.
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Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
1 floor-breaker
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $103.10, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (1.1% away). Chart setup: No clear chart pattern; technical signals are mixed. Downgraded from BUY WAIT — price $103.10 has reached target $102.20. No upside to wait for. Target $102.20 (-0.9%), stop $90.85 (−13.5%), A.R:R -0.7:1. Score 6.5/10, moderate confidence.
Take-profit target: $102.20 (-6.2% upside). Target $102.20 (-0.9%), stop $90.85 (−13.5%), A.R:R -0.7:1. Stop-loss: $90.85.
Analyst target reached - limited upside remaining; Near 52-week high (1.1% away).
QCR Holdings, Inc. trades at a P/E of 12.2 (forward 11.5). TrendMatrix value score: 7.8/10. Verdict: Hold.
11 analysts cover QCRH with a consensus score of 4.0/5. Average price target: $111.
What does QCR Holdings, Inc. do?QCR Holdings is a multi-bank holding company operating four community banks — Quad City Bank & Trust, Cedar Rapids Bank...
QCR Holdings is a multi-bank holding company operating four community banks — Quad City Bank & Trust, Cedar Rapids Bank & Trust, Community State Bank, and Guaranty Bank — serving Iowa and Missouri markets with combined segment assets of approximately $9.7 billion as of December 31, 2025. The company earns net interest income on loans and securities funded by FDIC-insured deposits, supplemented by trust, investment advisory, and capital markets fee income.