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→Stable
- At Or Above Analyst Target→Stable
- +1 more pillar — see the Why tab for full reasoning
Pillars as of Jul 3, 2026, based on the 10-K filed Feb 27, 2026· older than 90 days
QCR Holdings, Inc. (QCRH) Stock Analysis
Breakout setup · Inst Constrain edge
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $103.80, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.0% 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 $103.80, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.0% away). Chart setup: Golden cross, above all MAs, RSI 65, MACD bullish. Mixed signals. Hold existing position. Score 5.5/10, moderate confidence.
Passes 6/7 gates (positive momentum, clean insider activity, no SEC red flags, 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
No fresh coverage since Oct 21, 2026
Recent Developments — QCR Holdings, Inc.
Latest news
- NEWS Is QCR Holdings Inc (QCRH) Undervalued After Q3 Earnings Beat? E - GuruFocus — GuruFocus Oct 21, 2026 positive
- NEWS QCR Holdings (QCRH) Reports Q3 Earnings: What Key Metrics Have to Say - Yahoo Finance — Yahoo Finance Oct 20, 2026 neutral
- NEWS QCR Holdings (NASDAQ:QCRH) Reports Sales Below Analyst Estimates In Q3 2026 Earnings - StockStory — StockStory Oct 20, 2026 negative
- NEWS Earnings Flash (QCRH) QCR Holdings Posts Q3 Revenue $99.2M, vs. FactSet Est of $109M - marketscreener.com — marketscreener.com Oct 20, 2026 negative
- NEWS Is Earnings Beat Talk Altering The Investment Case For QCR Holdings (QCRH)? - Simply Wall Street — Simply Wall Street Oct 14, 2026 positive
Latest item Oct 21, 2026 · Generated 2026-11-05T11:49:11Z.
Upcoming dated catalysts
Thesis
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Quality Signals
Options Flow
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
1 floor-breaker
Revenue shrinking — -2.5% YoY. Growth thesis broken unless recovery story develops.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $103.80, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.0% away). Chart setup: Golden cross, above all MAs, RSI 65, MACD bullish. Mixed signals. Hold existing position. Analyst target $98.16 reached (−5.4%), stop $98.62 (−5.3%), A.R:R -0.7:1. Score 5.5/10, moderate confidence.
Analyst target $98.16 reached (−5.4% from $103.80); no take-profit level is published. Analyst target $98.16 reached (−5.4%), stop $98.62 (−5.3%), A.R:R -0.7:1. Stop-loss: $98.62.
Analyst target reached - limited upside remaining; Near 52-week high (4.0% away); V7 low-quality RISK_OFF penalty: -0.5 (Q=4.8).
QCR Holdings, Inc. trades at a P/E of 12.2 (forward 11.4). TrendMatrix value score: 7.8/10. Verdict: Hold.
12 analysts rate QCRH, with a consensus score of 3.9/5. 6 analysts publish price targets averaging $113.
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.