QCR (QCRH)

Friday

5:34 PM

ThesisThe bank's strong loan growth and strategic partnerships are positioning it well for future profitability, particularly in a rising interest rate environment.

Revenue Outlook

Metric	FY2025	FY2026E	FY2027E
Revenue	$597M	$429M	$453M
Rev. Growth	+1.5%	-28.1%	+5.5%
EPS	$7.54	$8.53	$8.95
EPS Growth	+11.4%	+13.2%	+4.9%
P/E (fwd)	13.3×	11.8×	11.2×

★ Analysts see FY2027 revenue reaching $453M — +5.5% growth in a single year.

What’s Driving the Stock

01QCR Holdings has seen a 15% increase in commercial loan applications in Q2 2026, indicating strong demand in its target markets.
02The bank's recent partnership with a fintech company to enhance digital banking services could attract younger customers and increase market share.
03A recent increase in agricultural loan demand due to rising commodity prices could lead to improved revenue from this segment.
04The bank's low debt-to-equity ratio of 0.37 provides a buffer against rising interest rates, enhancing financial stability.
05Digital banking transformation
06Sustainable agriculture financing
07Changes in the Federal Funds Rate impacting net interest margins
08Loan growth in commercial real estate and agriculture sectors

FY2025 Snapshot

Revenue: $597M
Rev. Growth: +1.5%
Gross Margin: 57.7%
Op. Margin: 22.8%
Net Margin: 21.3%
Net Income: $127M
NI Growth: +11.7%
EPS: $7.54
1Y Return: +26.8%

My Notes

"We are seeing unprecedented demand for our commercial loans, which positions us for strong growth."
Moat: QCR Holdings benefits from a strong regional presence and established customer relationships that are difficult for competitors…
value - The bank's strong cash flow and low valuation metrics attract value-focused investors.
Rising interest rates generally improve net interest margins, enhancing profitability for QCR Holdings as it can charge more for loans…
Watch on earnings: Federal Funds Rate, Loan growth rate, Net interest margin.

One Sentence Summary:

The bull case is simple: analysts see revenue climbing from $429M to $453M as qcr holdings has seen a 15% increase in commercial loan applications in q2 2026.

Auto-composed from Stock Alarm intelligence, financial statements, and analyst estimates. Not investment advice.

Writing up the research noteFirst read for a new ticker takes about 20-30 seconds while we build the analysis from the latest fundamentals, estimates, and intelligence. It's saved after this, so future visits are instant.