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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.19
QCRH's Cash to Debt is ranked lower than
84% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. QCRH: 0.19 )
Ranked among companies with meaningful Cash to Debt only.
QCRH' s 10-Year Cash to Debt Range
Min: 0.08  Med: 0.16 Max: No Debt
Current: 0.19
Equity to Asset 0.08
QCRH's Equity to Asset is ranked lower than
70% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. QCRH: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
QCRH' s 10-Year Equity to Asset Range
Min: 0.05  Med: 0.06 Max: 0.13
Current: 0.08
0.05
0.13
Interest Coverage 1.06
QCRH's Interest Coverage is ranked lower than
62% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. QCRH: 1.06 )
Ranked among companies with meaningful Interest Coverage only.
QCRH' s 10-Year Interest Coverage Range
Min: 0.07  Med: 0.33 Max: 1.1
Current: 1.06
0.07
1.1
F-Score: 5
WACC vs ROIC
3.39%
1.65%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 11.68
QCRH's Operating margin (%) is ranked lower than
84% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. QCRH: 11.68 )
Ranked among companies with meaningful Operating margin (%) only.
QCRH' s 10-Year Operating margin (%) Range
Min: -148.6  Med: 19.52 Max: 31.25
Current: 11.68
-148.6
31.25
Net-margin (%) 11.35
QCRH's Net-margin (%) is ranked lower than
81% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. QCRH: 11.35 )
Ranked among companies with meaningful Net-margin (%) only.
QCRH' s 10-Year Net-margin (%) Range
Min: 2.68  Med: 15.11 Max: 18.75
Current: 11.35
2.68
18.75
ROE (%) 6.87
QCRH's ROE (%) is ranked lower than
62% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. QCRH: 6.87 )
Ranked among companies with meaningful ROE (%) only.
QCRH' s 10-Year ROE (%) Range
Min: -1.93  Med: 9.14 Max: 14.68
Current: 6.87
-1.93
14.68
ROA (%) 0.43
QCRH's ROA (%) is ranked lower than
75% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. QCRH: 0.43 )
Ranked among companies with meaningful ROA (%) only.
QCRH' s 10-Year ROA (%) Range
Min: 0.1  Med: 0.62 Max: 1.15
Current: 0.43
0.1
1.15
Revenue Growth (3Y)(%) -9.20
QCRH's Revenue Growth (3Y)(%) is ranked lower than
86% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. QCRH: -9.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
QCRH' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 12.20 Max: 64.4
Current: -9.2
0
64.4
EBITDA Growth (3Y)(%) -8.70
QCRH's EBITDA Growth (3Y)(%) is ranked lower than
83% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. QCRH: -8.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
QCRH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 2.90 Max: 75.6
Current: -8.7
0
75.6
EPS Growth (3Y)(%) 23.20
QCRH's EPS Growth (3Y)(%) is ranked higher than
76% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. QCRH: 23.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
QCRH' s 10-Year EPS Growth (3Y)(%) Range
Min: -23.6  Med: 11.55 Max: 57.7
Current: 23.2
-23.6
57.7
» QCRH's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

QCRH Guru Trades in Q3 2014

Jim Simons 17,268 sh (-2.81%)
» More
Q4 2014

QCRH Guru Trades in Q4 2014

Jim Simons 17,268 sh (unchged)
» More
Q1 2015

QCRH Guru Trades in Q1 2015

Jim Simons 17,368 sh (+0.58%)
» More
Q2 2015

QCRH Guru Trades in Q2 2015

Jim Simons 107,767 sh (+520.49%)
» More
» Details

Insider Trades

Latest Guru Trades with QCRH

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 16.23
QCRH's P/E(ttm) is ranked lower than
64% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. QCRH: 16.23 )
Ranked among companies with meaningful P/E(ttm) only.
QCRH' s 10-Year P/E(ttm) Range
Min: 7.01  Med: 13.81 Max: 66.05
Current: 16.23
7.01
66.05
Forward P/E 10.99
QCRH's Forward P/E is ranked higher than
62% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. QCRH: 10.99 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.60
QCRH's PE(NRI) is ranked lower than
63% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. QCRH: 15.60 )
Ranked among companies with meaningful PE(NRI) only.
QCRH' s 10-Year PE(NRI) Range
Min: 7.02  Med: 13.70 Max: 37.86
Current: 15.6
7.02
37.86
P/B 1.16
QCRH's P/B is ranked lower than
54% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. QCRH: 1.16 )
Ranked among companies with meaningful P/B only.
QCRH' s 10-Year P/B Range
Min: 0.25  Med: 0.76 Max: 1.94
Current: 1.16
0.25
1.94
P/S 1.97
QCRH's P/S is ranked higher than
75% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. QCRH: 1.97 )
Ranked among companies with meaningful P/S only.
QCRH' s 10-Year P/S Range
Min: 0.5  Med: 1.11 Max: 5.51
Current: 1.97
0.5
5.51
PFCF 8.02
QCRH's PFCF is ranked higher than
63% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. QCRH: 8.02 )
Ranked among companies with meaningful PFCF only.
QCRH' s 10-Year PFCF Range
Min: 1.19  Med: 4.29 Max: 530
Current: 8.02
1.19
530
POCF 6.64
QCRH's POCF is ranked higher than
64% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. QCRH: 6.64 )
Ranked among companies with meaningful POCF only.
QCRH' s 10-Year POCF Range
Min: 1.12  Med: 5.18 Max: 22.53
Current: 6.64
1.12
22.53
EV-to-EBIT 56.45
QCRH's EV-to-EBIT is ranked lower than
93% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. QCRH: 56.45 )
Ranked among companies with meaningful EV-to-EBIT only.
QCRH' s 10-Year EV-to-EBIT Range
Min: -3359.3  Med: 39.90 Max: 228.3
Current: 56.45
-3359.3
228.3
PEG 1.28
QCRH's PEG is ranked lower than
59% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. QCRH: 1.28 )
Ranked among companies with meaningful PEG only.
QCRH' s 10-Year PEG Range
Min: 0.14  Med: 1.08 Max: 4.31
Current: 1.28
0.14
4.31
Shiller P/E 16.38
QCRH's Shiller P/E is ranked higher than
51% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. QCRH: 16.38 )
Ranked among companies with meaningful Shiller P/E only.
QCRH' s 10-Year Shiller P/E Range
Min: 7.21  Med: 15.59 Max: 21.26
Current: 16.38
7.21
21.26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.37
QCRH's Dividend Yield is ranked lower than
97% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. QCRH: 0.37 )
Ranked among companies with meaningful Dividend Yield only.
QCRH' s 10-Year Dividend Yield Range
Min: 0.35  Med: 0.52 Max: 1.12
Current: 0.37
0.35
1.12
Dividend Payout 0.06
QCRH's Dividend Payout is ranked higher than
97% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. QCRH: 0.06 )
Ranked among companies with meaningful Dividend Payout only.
QCRH' s 10-Year Dividend Payout Range
Min: 0.06  Med: 0.13 Max: 2.22
Current: 0.06
0.06
2.22
Yield on cost (5-Year) 0.36
QCRH's Yield on cost (5-Year) is ranked lower than
97% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. QCRH: 0.36 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
QCRH' s 10-Year Yield on cost (5-Year) Range
Min: 0.35  Med: 0.52 Max: 1.12
Current: 0.36
0.35
1.12
Share Buyback Rate -18.90
QCRH's Share Buyback Rate is ranked lower than
87% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. QCRH: -18.90 )
Ranked among companies with meaningful Share Buyback Rate only.
QCRH' s 10-Year Share Buyback Rate Range
Min: 0.8  Med: -2.40 Max: -18.9
Current: -18.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.18
QCRH's Price/Tangible Book is ranked higher than
51% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. QCRH: 1.18 )
Ranked among companies with meaningful Price/Tangible Book only.
QCRH' s 10-Year Price/Tangible Book Range
Min: 0.26  Med: 1.18 Max: 2.68
Current: 1.18
0.26
2.68
Price/Projected FCF 0.55
QCRH's Price/Projected FCF is ranked higher than
64% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. QCRH: 0.55 )
Ranked among companies with meaningful Price/Projected FCF only.
QCRH' s 10-Year Price/Projected FCF Range
Min: 0.18  Med: 0.78 Max: 3.58
Current: 0.55
0.18
3.58
Price/Median PS Value 1.76
QCRH's Price/Median PS Value is ranked lower than
92% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. QCRH: 1.76 )
Ranked among companies with meaningful Price/Median PS Value only.
QCRH' s 10-Year Price/Median PS Value Range
Min: 0.45  Med: 1.50 Max: 4.71
Current: 1.76
0.45
4.71
Price/Graham Number 1.09
QCRH's Price/Graham Number is ranked lower than
70% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. QCRH: 1.09 )
Ranked among companies with meaningful Price/Graham Number only.
QCRH' s 10-Year Price/Graham Number Range
Min: 0.24  Med: 0.78 Max: 2.05
Current: 1.09
0.24
2.05
Earnings Yield (Greenblatt) (%) 1.77
QCRH's Earnings Yield (Greenblatt) (%) is ranked lower than
83% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. QCRH: 1.77 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
QCRH' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.4  Med: 2.40 Max: 3.6
Current: 1.77
0.4
3.6
Forward Rate of Return (Yacktman) (%) 21.15
QCRH's Forward Rate of Return (Yacktman) (%) is ranked higher than
63% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. QCRH: 21.15 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
QCRH' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -2.1  Med: 16.00 Max: 87.7
Current: 21.15
-2.1
87.7

Analyst Estimate

Dec15 Dec16
Revenue(Mil) 100 109
EPS($) 1.63 1.98
EPS without NRI($) 1.63 1.98

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
QCR Holdings Inc was formed on February 4, 1993 under the laws of the state of Delaware. It is a multi-bank holding Company which provides bank and bank related services through its subsidiaries. The Company serves the Quad City, Cedar Rapids, and Rockford communities through its wholly-owned banking subsidiaries, which provide full-service commercial and consumer banking and trust and asset management services. The Company also engages in direct financing lease contracts through m2 Lease Funds, LLC ("m2"), a wholly-owned subsidiary of QCBT based in Brookfield, Wisconsin. The Company's principal business consists of attracting deposits and investing those deposits in loans/leases and securities. The deposits of the subsidiary banks are insured to the maximum amount allowable by the FDIC. The Company and its subsidiaries provide a broad range of commercial and retail lending and investment services to corporations, partnerships, individuals, and government agencies. The subsidiary banks actively market their services to qualified lending and deposit clients. The Company currently operates in the highly competitive Quad Cities, Cedar Rapids, Waterloo/Cedar Falls, and Rockford markets. Competitors include not only other commercial banks, credit unions, thrift institutions, and mutual funds, but also insurance companies, finance companies, brokerage firms, investment banking companies, and a variety of other financial services and advisory companies.
» More Articles for QCRH

Headlines

Articles On GuruFocus.com
QCR Holdings is Undervalued and Unappreciated Jun 23 2014 
QCR Holdings Inc. Reports Operating Results (10-Q) May 07 2010 

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