QCR Holdings (FRA:3PE) Cyclically Adjusted Book per Share: €42.09 (As of Jun. 2026)

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FRA:3PE QCR Holdings Inc FRA:3PE
65 GF Score
Price €85.50
GF Value €70.77
! 7 Warning Signs
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What is QCR Holdings Cyclically Adjusted Book per Share?

QCR Holdings FRA:3PE 65 Cyclically Adjusted Book per Share is €42.09 as of Jun. 2026. GuruFocus rates FRA:3PE with a GF Score™ of 65/100 and a GF Value™ of €70.77. The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

QCR Holdings's adjusted book value per share for the three months ended in Jun. 2026 was €60.976. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €42.09 for the trailing ten years ended in Jun. 2026.

During the past 12 months, QCR Holdings's average Cyclically Adjusted Book Growth Rate was 13.00% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 11.00% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 10.10% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 6.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of QCR Holdings was 17.20% per year. The lowest was 2.70% per year. And the median was 8.00% per year.

As of today (2026-08-23), QCR Holdings's current stock price is €85.50. QCR Holdings's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was €42.09. QCR Holdings's Cyclically Adjusted PB Ratio of today is 2.03.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of QCR Holdings was 2.34. The lowest was 0.83. And the median was 1.65.


QCR Holdings  (FRA:3PE) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

QCR Holdings's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=85.50/42.09
=2.03

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of QCR Holdings was 2.34. The lowest was 0.83. And the median was 1.65.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


QCR Holdings Cyclically Adjusted Book per Share Related Terms


QCR Holdings Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for QCR Holdings's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

QCR Holdings Cyclically Adjusted Book per Share Chart

QCR Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 27.00 31.00 33.05 38.63 38.38

QCR Holdings Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 36.56 37.60 38.38 40.34 42.09

FRA:3PE vs OBK, BFC, CNOB: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, QCR Holdings's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


QCR Holdings Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, QCR Holdings's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where QCR Holdings's Cyclically Adjusted PB Ratio falls into.


FRA:3PE
65GF Score
QCR Holdings Inc FRA:3PE
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

QCR Holdings Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, QCR Holdings's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=60.976/333.9520*333.9520
=60.976

Current CPI (Jun. 2026) = 333.9520.

QCR Holdings Quarterly Data

Book Value per Share CPI Adj_Book
201609 19.139 241.428 26.474
201612 20.689 241.432 28.617
201703 21.017 243.801 28.789
201706 20.609 244.955 28.097
201709 19.894 246.819 26.917
201712 21.449 246.524 29.056
201803 20.973 249.554 28.066
201806 22.640 251.989 30.004
201809 25.008 252.439 33.083
201812 26.459 251.233 35.171
201903 27.435 254.202 36.042
201906 28.296 256.143 36.892
201909 29.888 256.759 38.874
201912 30.441 256.974 39.560
202003 30.932 258.115 40.020
202006 31.268 257.797 40.505
202009 30.784 260.280 39.497
202012 30.881 260.474 39.592
202103 32.272 264.877 40.688
202106 33.196 271.696 40.802
202109 35.429 274.310 43.132
202112 38.375 278.802 45.966
202203 38.927 287.504 45.216
202206 41.198 296.311 46.431
202209 44.089 296.808 49.607
202212 43.430 296.797 48.867
202303 44.789 301.836 49.555
202306 45.431 305.109 49.726
202309 46.390 307.789 50.333
202312 48.541 306.746 52.846
202403 49.667 312.332 53.105
202406 51.699 314.175 54.953
202409 52.188 315.301 55.275
202412 56.421 315.605 59.701
202503 55.913 319.799 58.387
202506 53.784 322.561 55.683
202509 54.994 324.800 56.544
202512 56.912 324.054 58.650
202603 58.859 330.213 59.525
202606 60.976 333.952 60.976

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €42.09 mean?
QCR Holdings (FRA:3PE) has a Cyclically Adjusted Book per Share of €42.09 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on QCR Holdings and its competitors.
Is QCR Holdings' Cyclically Adjusted Book per Share too high?
QCR Holdings' current Cyclically Adjusted Book per Share is €42.09. Overall, QCR Holdings has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does QCR Holdings' Cyclically Adjusted Book per Share compare to OBK and BFC?
QCR Holdings' Cyclically Adjusted Book per Share of €42.09 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on QCR Holdings and its competitors. QCR Holdings's current Cyclically Adjusted Book per Share is €42.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is QCR Holdings stock overvalued right now?
QCR Holdings (FRA:3PE) has a current Cyclically Adjusted Book per Share of €42.09. The stock's GF Value™ is €70.77, compared to a current price of €85.50 — trading 20.8% above its estimated fair value. The current Cyclically Adjusted Book per Share is €42.09. QCR Holdings' overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For QCR Holdings (FRA:3PE), the current Cyclically Adjusted Book per Share is €42.09 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is QCR Holdings (FRA:3PE) Overvalued in 2026?

Based on GuruFocus' analysis, QCR Holdings stock appears to be overvalued. The current stock price of €85.50 is trading 20.8% above its estimated GF Value™ of €70.77.

Key valuation signals for FRA:3PE:

  • Cyclically Adjusted Book per Share: €42.09
  • GF Value™: €70.77 vs. price of €85.50 (20.8% above fair value)
  • GF Score™: 65/100 with 7 warning signs

No single metric tells the full story. See the FRA:3PE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


QCR Holdings Business Description

Other Exchanges QCRH:USA
Address 3551 7th Street, Moline, IL, USA, 61265
QCR Holdings Inc is a multi-bank holding company. The bank operates through segments namely Commercial Banking, Wealth Management, and all other segments. The commercial bank segment is geographically divided by markets namely Quad City Bank & Trust (QCBT), Cedar Rapids Bank & Trust (CRBT), Community State Bank (CSB) and Guaranty Bank (GB). It generates revenue in the form of interest.
65GF Score

Get the complete analysis for FRA:3PE

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€85.50
Price
€70.77
GF Value