What is Qcr Holdings's earnings per share (EPS)?

Qcr Holdings (QCRH) reported diluted earnings per share of $7.49 for fiscal year 2025. This represents a 11.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Qcr Holdings (QCRH) Financials

QCRH

Trailing 12 months to June 30, 2026

Revenue $396.2M +13.1% YoY

Net Income $142.0M +25.9% YoY

EPS (Diluted) $8.45 +27.3% YoY

Free Cash Flow $792.8M +95.8% YoY

Market Cap $1.7B as of Sep 10, 2026

Price / Sales 4.2x on $396.2M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.8x on $142.0M net income, trailing 12 months to June 30, 2026

Price / Book 1.5x on $1.1B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the QCRH SEC filings page.

Qcr Holdings (QCRH) reported $396.2M in revenue over the twelve months to Jun 30, 2026, up 13.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI QCRH FY2025 2026-09-05

Balance-sheet expansion remains the core engine: rising equity absorbs heavy liabilities while earnings and cash generation stay positive.

Cash conversion remains favorable even as reinvestment becomes more demanding: FY2025 operating cash flow was $422M, while free cash flow was $354M after $67M of capital spending. Compared with FY2024, higher spending reduced the portion of operating cash retained, despite stronger net income.

The company operates with a distinctly leveraged financial structure: FY2025 liabilities reached $8.39B against $1.11B of equity, producing a debt-to-equity ratio of 7.5x. Equity nevertheless grew faster than assets from FY2023 through FY2025, modestly improving the balance-sheet cushion.

Earnings quality is broadly aligned with cash generation: FY2025 net income of $127M was accompanied by $422M of operating cash flow, while return on assets remained only 1.3%. That combination indicates a balance-sheet-intensive business where even positive profits translate into relatively modest returns on the asset base.

Financial Health Signals

Financial Health Score 52/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Qcr Holdings's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Qcr Holdings earned a return on assets of 1.3% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and Qcr Holdings scores 79/100 among other banks.

Growth

Qcr Holdings reported revenue of $369.5M in fiscal year 2025, against $347.3M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Qcr Holdings scores 5/100 among other banks.

Capital

Qcr Holdings funded 11.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.1B of equity against $9.5B of assets. Capital ranks banks on that cushion, and Qcr Holdings scores 54/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Qcr Holdings scores 83/100 on it among other banks.

Credit Quality

Not available for Qcr Holdings, and counted as zero in the overall score.

Stability

Qcr Holdings reported net income of $127.2M in fiscal year 2025, against $113.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Qcr Holdings scores 88/100 among other banks.

Piotroski F-Score Partial

6/6

Qcr Holdings passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

3.31x

For every $1 of reported earnings, Qcr Holdings generates $3.31 in operating cash flow ($421.5M OCF vs $127.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$97.3M

YoY+15.6%

QoQ+7.7%

5Y CAGR+7.4%

10Y CAGR+12.2%

Qcr Holdings generated $97.3M in revenue in Q2 2026. This represents an increase of 15.6% from the same quarter a year earlier. Against the prior quarter it is up 7.7%.

Net Income

$36.3M

YoY+24.9%

QoQ+8.6%

5Y CAGR+10.2%

10Y CAGR+18.4%

Qcr Holdings reported $36.3M in net income in Q2 2026. This represents an increase of 24.9% from the same quarter a year earlier. Against the prior quarter it is up 8.6%.

EPS (Diluted)

$2.19

YoY+28.1%

QoQ+10.1%

5Y CAGR+9.5%

10Y CAGR+15.2%

Qcr Holdings earned $2.19 per diluted share (EPS) in Q2 2026. This represents an increase of 28.1% from the same quarter a year earlier. Against the prior quarter it is up 10.1%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$458.1M

YoY+1791.8%

QoQ+5911.7%

5Y CAGR+89.8%

10Y CAGR+49.4%

Qcr Holdings generated $458.1M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 1791.8% from the same quarter a year earlier. Against the prior quarter it is up 5911.7%.

Dividends Per Share

$0.10

YoY+66.7%

QoQ0.0%

5Y CAGR+10.8%

10Y CAGR+9.6%

Qcr Holdings paid $0.10 per share in dividends in Q2 2026. This represents an increase of 66.7% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

16M

YoY-3.3%

QoQ-0.8%

5Y CAGR+0.8%

10Y CAGR+2.3%

Qcr Holdings had 16M shares outstanding in Q2 2026. This represents a decrease of 3.3% from the same quarter a year earlier. Against the prior quarter it is down 0.8%.

Cash & Debt

Not reported for Q2 2026.

Margins & Returns

Net Margin

37.2%

YoY+2.8pp

QoQ+0.3pp

5Y CAGR+4.5pp

10Y CAGR+15.5pp

Qcr Holdings's net profit margin was 37.2% in Q2 2026, showing the share of revenue converted to profit. This is up 2.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.

Return on Equity

3.1%

YoY+0.4pp

QoQ+0.2pp

5Y CAGR-0.4pp

10Y CAGR+0.7pp

Qcr Holdings's ROE was 3.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$13.4M

YoY-25.6%

QoQ+9.2%

5Y CAGR+35.2%

10Y CAGR+25.4%

Qcr Holdings invested $13.4M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 25.6% from the same quarter a year earlier. Against the prior quarter it is up 9.2%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

QCRH Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

QCRH quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$396.2M	$369.5M+6.4%	$347.3M-36.4%	$546.1M+46.3%	$373.3M+24.2%	$300.6M-3.7%	$312.2M+5.9%	$294.8M+31.4%	$224.4M+35.2%	$166.0M+20.7%	$137.5M+20.2%	$114.4M+6.6%	$107.2M-1.4%	$108.7M+15.7%	$94.0M-1.2%	$95.2M
SG&A Expenses	$134.7M	$127.1M-0.9%	$128.2M-6.2%	$136.6M+18.4%	$115.4M+14.3%	$100.9M+4.8%	$96.3M+4.6%	$92.1M+33.4%	$69.0M+23.8%	$55.7M+20.3%	$46.3M+7.8%	$43.0M+6.5%	$40.3M+7.5%	$37.5M+12.7%	$33.3M+9.6%	$30.4M
Interest Expense	$225.1M	$234.2M-6.3%	$250.1M+30.0%	$192.4M+213.1%	$61.5M+180.3%	$21.9M-30.2%	$31.4M-48.1%	$60.5M+49.5%	$40.5M+108.1%	$19.5M+62.8%	$12.0M-12.8%	$13.7M-18.9%	$16.9M-4.9%	$17.8M-9.9%	$19.7M-16.3%	$23.6M
Income Tax	$12.5M	$8.7M-0.2%	$8.7M-33.2%	$13.1M-9.8%	$14.5M-35.8%	$22.6M+77.6%	$12.7M-13.1%	$14.6M+62.2%	$9.0M+82.3%	$4.9M-44.4%	$8.9M+142.6%	$3.7M+20.7%	$3.0M-34.2%	$4.6M+1.8%	$4.5M+17.2%	$3.9M
Net Income	$142.0M	$127.2M+11.7%	$113.8M+0.3%	$113.6M+14.6%	$99.1M+0.2%	$98.9M+63.3%	$60.6M+5.5%	$57.4M+33.1%	$43.1M+20.8%	$35.7M+29.0%	$27.7M+63.6%	$16.9M+13.2%	$15.0M+0.1%	$14.9M+18.4%	$12.6M+30.2%	$9.7M
EPS (Basic)	N/A	$7.54+11.4%	$6.77-0.3%	$6.79+14.3%	$5.94-5.7%	$6.30+64.1%	$3.84+5.2%	$3.65+25.0%	$2.92+9.0%	$2.68+21.8%	$2.20+34.1%	$1.64-6.3%	$1.75-17.8%	$2.13+13.3%	$1.88+102.2%	$0.93
EPS (Diluted)	$8.45	$7.49+11.6%	$6.71-0.3%	$6.73+14.7%	$5.87-5.3%	$6.20+63.2%	$3.80+5.6%	$3.60+25.9%	$2.86+9.6%	$2.61+20.3%	$2.17+34.8%	$1.61-6.4%	$1.72-17.3%	$2.08+12.4%	$1.85	$0.92
Diluted Shares (Avg)	N/A	17M+0.1%	17M+0.6%	17M-0.1%	17M+5.9%	16M0.0%	16M-0.1%	16M+6.0%	15M+10.1%	14M+7.2%	13M+21.6%	10M+30.5%	8M+42.5%	6M+14.8%	5M	5M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$97.3M+15.6%	$90.4M+17.6%	$107.0M+191.3%	$101.5M-33.5%	$84.2M-44.1%	$76.9M-45.8%	$36.7M-77.0%	$152.6M+12.9%
SG&A Expenses	$32.1M+12.8%	$31.4M+14.7%	$36.9M+9.8%	$34.3M+8.5%	$28.5M-8.4%	$27.4M-14.1%	$33.6M-18.1%	$31.6M-1.4%
Interest Expense	$53.1M-8.7%	$52.7M-7.1%	$59.1M-2.2%	$60.2M-8.3%	$58.2M-8.5%	$56.7M-6.1%	$60.4M+6.9%	$65.7M+23.2%
Income Tax	$3.2M+107.9%	$2.4M+688.3%	$3.0M+1.6%	$3.8M+88.0%	$1.6M-39.2%	$308K-73.7%	$3.0M-33.9%	$2.0M+11.1%
Net Income	$36.3M+24.9%	$33.4M+29.4%	$35.7M+18.0%	$36.7M+32.1%	$29.0M-0.3%	$25.8M-3.5%	$30.2M-8.0%	$27.8M+10.6%
EPS (Basic)	$2.20+28.7%	$2.00+30.7%	$2.13+18.3%	$2.17+31.5%	$1.71-1.2%	$1.53-3.8%	$1.80-8.6%	$1.65+10.0%
EPS (Diluted)	$2.19+28.1%	$1.99+30.9%	$2.11+19.2%	$2.16+31.7%	$1.71-0.6%	$1.52-3.8%	$1.77-8.8%	$1.64+10.1%
Diluted Shares (Avg)	17M-2.6%	17M-1.6%	N/A	17M+0.2%	17M+0.5%	17M+0.6%	N/A	17M+0.8%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

QCRH Balance Sheet

QCRH quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$9.5B+5.2%	$9.0B+5.7%	$8.5B+7.4%	$7.9B+30.4%	$6.1B+6.9%	$5.7B+16.2%	$4.9B-0.8%	$4.9B+24.3%	$4.0B+20.6%	$3.3B+27.3%	$2.6B+2.7%	$2.5B+5.4%	$2.4B+14.4%	$2.1B+6.5%	$2.0B
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$85.5M+12.9%	$75.7M+7.3%	$70.6M+69.1%	$41.7M+9.2%	$38.2M-8.9%	$42.0M-31.9%	$61.6M+15.9%	$53.1M
Short-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$138.6M0.0%	$138.6M-0.3%	$139.0M+1.0%	$137.6M+85.8%	$74.1M0.0%	$74.1M-0.9%	$74.7M-4.0%	$77.8M+174.7%	$28.3M+116.1%	$13.1M+306.8%	$3.2M0.0%	$3.2M0.0%	$3.2M0.0%	$3.2M0.0%	$3.2M
Total Liabilities	$8.4B+4.4%	$8.0B+4.9%	$7.7B+6.6%	$7.2B+32.4%	$5.4B+6.0%	$5.1B+16.9%	$4.4B-2.3%	$4.5B+23.3%	$3.6B+20.3%	$3.0B+27.4%	$2.4B-0.6%	$2.4B+5.9%	$2.2B+15.1%	$2.0B+7.2%	$1.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	$15.0M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Non-Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	$4.4B	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.1B+11.5%	$997.4M+12.5%	$886.6M+14.7%	$772.7M+14.1%	$677.0M+14.0%	$593.8M+10.9%	$535.4M+13.1%	$473.1M+33.9%	$353.3M+23.5%	$286.0M+26.6%	$225.9M+56.8%	$144.1M-2.4%	$147.6M+5.1%	$140.4M-2.8%	$144.4M
Retained Earnings	$773.4M+16.3%	$665.2M+19.9%	$555.0M+23.3%	$450.1M+16.6%	$386.1M+28.3%	$300.8M+22.4%	$245.8M+27.9%	$192.2M+26.5%	$152.0M+28.1%	$118.6M+27.6%	$93.0M+19.4%	$77.9M+20.5%	$64.6M+21.2%	$53.3M+19.6%	$44.6M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$9.5B+3.7%	$9.6B+5.9%	$9.5B+5.2%	$9.6B+5.3%	$9.2B+3.5%	$9.1B+5.6%	$9.0B+5.7%	$9.1B+6.4%
Goodwill	$138.6M0.0%	$138.6M0.0%	$138.6M0.0%	$138.6M0.0%	$138.6M-0.3%	$138.6M-0.3%	$138.6M-0.3%	$138.6M-0.3%
Total Liabilities	$8.4B+2.2%	$8.5B+4.4%	$8.4B+4.4%	$8.5B+4.6%	$8.2B+3.2%	$8.1B+5.7%	$8.0B+4.9%	$8.1B+5.2%
Total Equity	$1.1B+9.4%	$1.1B+9.7%	$1.1B+11.5%	$1.1B+11.3%	$1.1B+12.2%	$1.0B+12.7%	$997.4M+12.5%	$976.6M+17.9%
Retained Earnings	$814.5M+13.4%	$789.9M+14.5%	$773.4M+16.3%	$747.3M+17.6%	$718.0M+17.9%	$690.0M+18.8%	$665.2M+19.9%	$635.6M+21.5%

Not reported in any period shown, so not listed: Current Assets, Cash & Equivalents, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

QCRH Cash Flow Statement

QCRH quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$858.8M	$421.5M-5.2%	$444.5M+18.1%	$376.3M+217.0%	$118.7M+34.6%	$88.2M-21.4%	$112.2M+46.6%	$76.5M+19.0%	$64.3M+90.6%	$33.7M-22.3%	$43.4M+44.1%	$30.1M+17.6%	$25.6M-20.1%	$32.0M+4.5%	$30.7M-16.3%	$36.6M
Depreciation & Amortization	N/A	$12.3M+9.6%	$11.2M-3.7%	$11.7M+10.9%	$10.5M+42.3%	$7.4M-1.2%	$7.5M-0.1%	$7.5M+21.9%	$6.1M+24.1%	$5.0M+28.0%	$3.9M+18.5%	$3.3M+8.4%	$3.0M+4.8%	$2.9M+22.3%	$2.4M-3.8%	$2.4M
Stock-Based Compensation	N/A	$3.2M+14.4%	$2.8M+5.5%	$2.7M+9.8%	$2.4M+3.7%	$2.4M+9.4%	$2.1M-12.9%	$2.5M+71.1%	$1.4M+21.6%	$1.2M+25.3%	$947K+0.6%	$941K+5.6%	$892K+12.5%	$792K-6.8%	$850K+22.0%	$696K
Capital Expenditures	$66.0M	$67.4M+51.6%	$44.5M+197.7%	$14.9M-55.1%	$33.3M+137.9%	$14.0M+227.6%	$4.3M-65.7%	$12.4M+8.5%	$11.5M+98.9%	$5.8M-4.5%	$6.0M+37.3%	$4.4M+115.8%	$2.0M-16.2%	$2.4M+29.8%	$1.9M-38.9%	$3.1M
Free Cash Flow	$792.8M	$354.1M-11.5%	$400.0M+10.7%	$361.4M+323.0%	$85.4M+15.1%	$74.2M-31.2%	$107.9M+68.4%	$64.1M+21.3%	$52.8M+88.9%	$28.0M-25.2%	$37.4M+45.3%	$25.7M+9.1%	$23.6M-20.4%	$29.6M+2.9%	$28.8M-14.3%	$33.6M
Investing Cash Flow	-$1.1B	-$854.7M-1.1%	-$845.2M-12.8%	-$749.3M-18.1%	-$634.7M-54.1%	-$411.8M+41.5%	-$704.5M-128.2%	-$308.7M+7.5%	-$333.6M+18.7%	-$410.5M-142.9%	-$169.0M-155.7%	-$66.1M+49.1%	-$129.9M+21.0%	-$164.6M-23.9%	-$132.8M+3.3%	-$137.3M
Financing Cash Flow	$212.2M	$417.9M+5.7%	$395.3M-3.7%	$410.3M-23.8%	$538.2M+79.6%	$299.7M-48.1%	$577.4M+159.0%	$222.9M-20.2%	$279.2M-26.9%	$382.0M+147.3%	$154.4M+291.1%	$39.5M-60.8%	$100.6M-10.9%	$112.9M+2.1%	$110.6M-1.1%	$111.8M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$471.5M+1016.5%	$4.4M+223.8%	$335.4M+89.1%	$47.5M-80.1%	$42.2M+60.3%	-$3.6M-229.5%	$177.3M-39.1%	$238.1M+856.6%
Depreciation & Amortization	$3.2M+6.6%	$2.8M-1.6%	$3.3M+12.3%	$3.1M+32.7%	$3.0M-0.1%	$2.9M-2.1%	$3.0M-10.5%	$2.4M-14.9%
Stock-Based Compensation	N/A	$1.1M-18.9%	N/A	N/A	N/A	$1.3M+947.6%	N/A	N/A
Capital Expenditures	$13.4M-25.6%	$12.3M+34.7%	$24.6M+76.1%	$15.7M+91.2%	$18.0M+77.1%	$9.1M-24.9%	$13.9M+101.5%	$8.2M+149.9%
Free Cash Flow	$458.1M+1791.8%	-$7.9M+37.8%	$310.8M+90.3%	$31.7M-86.2%	$24.2M+49.7%	-$12.7M-34.8%	$163.4M-42.5%	$229.9M+964.4%
Investing Cash Flow	-$314.4M-225.6%	-$115.3M+6.6%	-$310.6M-77.2%	-$324.1M+3.9%	-$96.6M+61.5%	-$123.5M-50.4%	-$175.3M+45.7%	-$337.2M-81.3%
Financing Cash Flow	-$125.8M-309.3%	$114.4M-14.8%	-$25.9M-83.0%	$249.4M+125.3%	$60.1M-74.5%	$134.3M+112.4%	-$14.2M-157.5%	$110.7M-38.9%

Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.

QCRH Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

QCRH quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	34.4%+1.6pp	32.8%+12.0pp	20.8%-5.8pp	26.5%-6.4pp	32.9%+13.5pp	19.4%-0.1pp	19.5%+0.3pp	19.2%-2.3pp	21.5%+1.4pp	20.1%+5.3pp	14.8%+0.9pp	13.9%+0.2pp	13.7%+0.3pp	13.4%+3.2pp	10.2%
Return on Equity	11.4%0.0pp	11.4%-1.4pp	12.8%0.0pp	12.8%-1.8pp	14.6%+4.4pp	10.2%-0.5pp	10.7%+1.6pp	9.1%-1.0pp	10.1%+0.4pp	9.7%+2.2pp	7.5%-2.9pp	10.4%+0.3pp	10.1%+1.1pp	9.0%+2.3pp	6.7%
Return on Assets	1.3%+0.1pp	1.3%-0.1pp	1.3%+0.1pp	1.3%-0.4pp	1.6%+0.6pp	1.1%-0.1pp	1.2%+0.3pp	0.9%0.0pp	0.9%+0.1pp	0.8%+0.2pp	0.7%+0.1pp	0.6%0.0pp	0.6%0.0pp	0.6%+0.1pp	0.5%
Debt-to-Equity	7.54-0.5x	8.05-0.6x	8.63-0.7x	9.29+1.3x	8.00-0.6x	8.61+0.4x	8.17-1.3x	9.46-0.8x	10.27-0.3x	10.54+0.1x	10.48-6.0x	16.52+1.3x	15.23+1.3x	13.91+1.3x	12.62
Asset Turnover	0.040.0x	0.040.0x	0.060.0x	0.050.0x	0.050.0x	0.050.0x	0.060.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.05
FCF Margin	95.8%	115.2%	66.2%+43.3pp	22.9%-1.8pp	24.7%-9.9pp	34.6%+12.8pp	21.7%-1.8pp	23.5%+6.7pp	16.8%-10.3pp	27.2%+4.7pp	22.5%+0.5pp	22.0%-5.3pp	27.2%-3.4pp	30.6%-4.6pp	35.3%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	37.2%+2.8pp	36.9%+3.4pp	33.3%-48.9pp	36.2%+18.0pp	34.5%+15.1pp	33.6%+14.7pp	82.3%+61.7pp	18.2%-0.4pp
Return on Equity	3.1%+0.4pp	3.0%+0.5pp	3.2%+0.2pp	3.4%+0.5pp	2.8%-0.3pp	2.5%-0.4pp	3.0%-0.7pp	2.9%-0.2pp
Return on Assets	0.4%+0.1pp	0.4%+0.1pp	0.4%+0.1pp	0.4%+0.1pp	0.3%0.0pp	0.3%0.0pp	0.3%-0.1pp	0.3%0.0pp
Debt-to-Equity	7.28-0.5x	7.56-0.4x	7.54-0.5x	7.80-0.5x	7.80-0.7x	7.95-0.5x	8.05-0.6x	8.31-1.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.000.0x	0.020.0x
FCF Margin	378.5%	-8.7%+7.8pp	243.8%	31.3%	28.8%+18.0pp	-16.5%-9.9pp	444.7%	150.7%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Qcr Holdings QCRH	FY2025	$369.5M	$127.2M	34.4%	$1.7B	52/100
Byline Bancorp BY	FY2025	$446.3M	$130.1M	29.1%	$1.7B	59/100
Westamerica Bancorporation WABC	FY2025	$258.1M	$116.2M	45.0%	$1.3B	70/100
Bank First Corp BFC	FY2025	$173.9M	$71.5M	41.1%	$1.7B	69/100
Merchants Bancorp Ind MBIN	FY2025	$681.4M	$218.8M	32.1%	$2.4B	62/100
DIME COMMERCIAL BANCSHARES INC DCOM	FY2025	$452.9M	$110.7M	24.4%	$1.8B	37/100

Where Qcr Holdings Ranks

Frequently Asked Questions

What is Qcr Holdings's annual revenue?

Qcr Holdings (QCRH) reported $369.5M in total revenue for fiscal year 2025. This represents a 6.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Qcr Holdings's revenue growing?

Qcr Holdings (QCRH) revenue grew by 6.4% year-over-year, from $347.3M to $369.5M in fiscal year 2025.

Is Qcr Holdings profitable?

Yes, Qcr Holdings (QCRH) reported a net income of $127.2M in fiscal year 2025, with a net profit margin of 34.4%.

What is Qcr Holdings's net profit margin?

Qcr Holdings (QCRH) had a net profit margin of 34.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Qcr Holdings pay dividends?

Yes, Qcr Holdings (QCRH) paid $0.24 per share in dividends during fiscal year 2025.

What is Qcr Holdings's return on equity (ROE)?

Qcr Holdings (QCRH) has a return on equity of 11.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Qcr Holdings's free cash flow?

Qcr Holdings (QCRH) generated $354.1M in free cash flow during fiscal year 2025. This represents a -11.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Qcr Holdings's operating cash flow?

Qcr Holdings (QCRH) generated $421.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Qcr Holdings's total assets?

Qcr Holdings (QCRH) had $9.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Qcr Holdings's capital expenditures?

Qcr Holdings (QCRH) invested $67.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Qcr Holdings have outstanding?

Qcr Holdings (QCRH) had 17M shares outstanding as of fiscal year 2025.

What is Qcr Holdings's debt-to-equity ratio?

Qcr Holdings (QCRH) had a debt-to-equity ratio of 7.54 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Qcr Holdings's return on assets (ROA)?

Qcr Holdings (QCRH) had a return on assets of 1.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Qcr Holdings's P/E ratio?

Qcr Holdings (QCRH) trades at 11.8x earnings, its market capitalization divided by net income of $142.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.7B as of Sep 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Qcr Holdings's price-to-sales ratio?

Qcr Holdings (QCRH) trades at 4.2x sales, its market capitalization divided by revenue of $396.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.7B as of Sep 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Qcr Holdings's Piotroski F-Score?

Qcr Holdings (QCRH) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Qcr Holdings's earnings high quality?

Qcr Holdings (QCRH) has an earnings quality ratio of 3.31x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Qcr Holdings?

Qcr Holdings (QCRH) scores 52 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.