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

QCR Holdings Inc (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 NASDAQ

Trailing 12 months to June 30, 2026

Revenue $396.2M YoY not available

Net Income $142.0M YoY not available

EPS (Diluted) $8.45 +27.3% YoY

Free Cash Flow $792.8M +95.8% YoY

Market Cap $1.7B as of Oct 26, 2026

Price / Sales 4.3x on $396.2M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.9x 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 Oct 26, 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 Inc (QCRH) reported $396.2M in revenue over the twelve months to Jun 30, 2026. 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 2026-10-25

QCR’s numbers describe an asset-heavy financial business where balance-sheet leverage supports earnings, while cash conversion shifts with reinvestment.

In FY2025, net income grew 11.7% while operating cash flow fell 5.2%, so accounting improvement did not produce greater operating cash. Free cash flow then fell 11.5% as capital expenditures rose 51.6%, making heavier reinvestment the clearest explanation for the weaker discretionary cash result.

The balance sheet expanded with a favorable internal mix in FY2025: assets grew 5.2% while liabilities grew 4.4%, allowing equity to grow faster without requiring a larger liability share. Leverage remains structural: liabilities-to-equity was 7.5x while return on assets was 1.3%, so modest changes in asset performance can matter disproportionately to equity returns.

Operating cash flow reached $422M, equal to 331.4% of net income, showing that reported earnings are not the sole driver of cash generation. Yet free cash flow weakened as capital spending rose, indicating that more of the cash produced was being directed toward reinvestment rather than remaining discretionary.

Financial Health Signals

Financial Health Score (5 of 6 dimensions) 62/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. 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 Inc'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 Inc 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 Inc scores 80/100 among other banks.

Growth

QCR Holdings Inc 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 Inc scores 5/100 among other banks.

Capital

QCR Holdings Inc 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 Inc scores 56/100 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 Inc scores 82/100 on it among other banks.

Credit Quality

n/a

Not available for QCR Holdings Inc, so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.

Stability

QCR Holdings Inc 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 Inc scores 88/100 among other banks.

Piotroski F-Score Partial

6/6

QCR Holdings Inc 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, the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue

$97.3M

YoY+15.6%

QoQ+7.7%

QCR Holdings Inc 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%

QCR Holdings Inc 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 Inc 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%

QoQn/m

5Y CAGR+89.8%

10Y CAGR+49.4%

QCR Holdings Inc 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. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

Dividends Per Share

$0.10

YoY+66.7%

QoQ0.0%

5Y CAGR+10.8%

10Y CAGR+9.6%

QCR Holdings Inc 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 Inc 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

QCR Holdings Inc'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

QCR Holdings Inc's quarterly ROE was 3.1% in Q2 2026: one quarter's net income over shareholder equity, not annualized. 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 Inc 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
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	$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-K	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	$101.5M-33.5%	$84.2M-44.1%	$76.9M-45.8%	N/A	$152.6M+12.9%
Interest Expense	$53.1M-8.7%	$52.7M-7.1%	$59.1M	$60.2M-8.3%	$58.2M-8.5%	$56.7M-6.1%	N/A	$65.7M+23.2%
Income Tax	$3.2M+107.9%	$2.4M+688.3%	$3.0M	$3.8M+88.0%	$1.6M-39.2%	$308K-73.7%	N/A	$2.0M+11.1%
Net Income	$36.3M+24.9%	$33.4M+29.4%	$35.7M	$36.7M+32.1%	$29.0M-0.3%	$25.8M-3.5%	N/A	$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, SG&A 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
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
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$30.0M	N/A	N/A	N/A	$36.1M	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-1.4%	$142.4M
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-K	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	-$854.7Mn/m	-$845.2Mn/m	-$749.3Mn/m	-$634.7Mn/m	-$411.8Mn/m	-$704.5Mn/m	-$308.7Mn/m	-$333.6Mn/m	-$410.5Mn/m	-$169.0Mn/m	-$66.1Mn/m	-$129.9Mn/m	-$164.6Mn/m	-$132.8Mn/m	-$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
Dividends Paid	$4.7M	$4.1M+0.7%	$4.0M+0.1%	$4.0M+2.2%	$3.9M+4.0%	$3.8M+0.4%	$3.8M+0.3%	$3.8M+14.2%	$3.3M+32.3%	$2.5M+25.9%	$2.0M+153.4%	$782K-60.2%	$2.0M-51.6%	$4.1M-0.6%	$4.1M+10.1%	$3.7M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$471.5M+1016.5%	$4.4Mn/m	$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%	-$7.9Mn/m	$310.8M+90.3%	$31.7M-86.2%	$24.2M+49.7%	-$12.7Mn/m	$163.4M-42.5%	$229.9M+964.4%
Investing Cash Flow	-$314.4Mn/m	-$115.3Mn/m	-$310.6Mn/m	-$324.1Mn/m	-$96.6Mn/m	-$123.5Mn/m	-$175.3Mn/m	-$337.2Mn/m
Financing Cash Flow	-$125.8M-309.3%	$114.4M-14.8%	-$25.9Mn/m	$249.4M+125.3%	$60.1M-74.5%	$134.3M+112.4%	-$14.2M-157.5%	$110.7M-38.9%
Dividends Paid	$1.7M+65.0%	$1.0M-0.2%	$1.0Mn/m	$1.0M-49.7%	$1.0M+0.7%	$1.0M+0.9%	$0-100.0%	$2.0M+101.4%

Not reported in any period shown, so not listed: 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%+2.2pp	6.8%
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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	0.10	N/A	N/A	N/A	0.26	N/A
Liabilities-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+1.1x	12.80
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-K	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%	36.2%+18.0pp	34.5%+15.1pp	33.6%+14.7pp	N/A	18.2%-0.4pp
Return on Equity	3.1%+0.4pp	3.0%+0.5pp	3.2%	3.4%+0.5pp	2.8%-0.3pp	2.5%-0.4pp	N/A	2.9%-0.2pp
Return on Assets	0.4%+0.1pp	0.4%+0.1pp	0.4%	0.4%+0.1pp	0.3%0.0pp	0.3%0.0pp	N/A	0.3%0.0pp
Liabilities-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	0.01	0.010.0x	0.010.0x	0.010.0x	N/A	0.020.0x
FCF Margin	470.6%	-8.7%+7.8pp	290.5%	31.3%	28.8%+18.0pp	-16.5%-9.9pp	N/A	150.7%

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

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 Inc QCRH	FY2025	$369.5M	$127.2M	34.4%	$1.7B	62/100
Byline Bancorp, Inc. BY	FY2025	$446.3M	$130.1M	29.1%	$1.7B	71/100
Westamerica Bancorporation WABC	FY2025	$258.1M	$116.2M	45.0%	$1.4B	70/100
Bank First Corporation BFC	FY2025	$173.9M	$71.5M	41.1%	$1.6B	69/100
Merchants Bancorp MBIN	FY2025	$681.4M	$218.8M	32.1%	$2.2B	63/100
Dime Commercial Bancshares, Inc. DCOM	FY2025	$452.9M	$110.7M	24.4%	$1.9B	44/100

Where QCR Holdings Inc Ranks

Frequently Asked Questions

What is QCR Holdings Inc's annual revenue?

QCR Holdings Inc (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 Inc's revenue growing?

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

Is QCR Holdings Inc profitable?

Yes, QCR Holdings Inc (QCRH) reported a net income of $142.0M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $127.2M, with a net profit margin of 34.4%.

What is QCR Holdings Inc's net profit margin?

QCR Holdings Inc (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 Inc pay dividends?

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

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

QCR Holdings Inc (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 Inc's free cash flow?

QCR Holdings Inc (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 Inc's operating cash flow?

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

What are QCR Holdings Inc's total assets?

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

What are QCR Holdings Inc's capital expenditures?

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

How many shares does QCR Holdings Inc have outstanding?

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

What is QCR Holdings Inc's liabilities-to-equity ratio?

QCR Holdings Inc (QCRH) had a liabilities-to-equity ratio of 7.54 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.

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

QCR Holdings Inc (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 Inc's P/E ratio?

QCR Holdings Inc (QCRH) trades at 11.9x earnings, its market capitalization divided by $142.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.7B as of Oct 26, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is QCR Holdings Inc's price-to-sales ratio?

QCR Holdings Inc (QCRH) trades at 4.3x sales, its market capitalization divided by $396.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.7B as of Oct 26, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is QCR Holdings Inc's Piotroski F-Score?

QCR Holdings Inc (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.

How financially healthy is QCR Holdings Inc?

QCR Holdings Inc (QCRH) scores 62 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is the average 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. For QCR Holdings Inc it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. 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.