QCR Holdings (FRA:3PE) E10: €4.88 (As of Mar. 2026)


FRA:3PE QCR Holdings Inc FRA:3PE
66 GF Score
Price €84.00
GF Value €64.84
Valuation Modestly Overvalued
! 7 Warning Signs
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What is QCR Holdings E10?

QCR Holdings FRA:3PE 66 E10 is €4.88 as of Mar. 2026. GuruFocus rates FRA:3PE with a GF Score™ of 66/100 and a GF Value™ of €64.84 (Modestly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

QCR Holdings's adjusted earnings per share data for the three months ended in Mar. 2026 was €1.721. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €4.88 for the trailing ten years ended in Mar. 2026.

During the past 12 months, QCR Holdings's average E10 Growth Rate was 15.10% per year. During the past 3 years, the average E10 Growth Rate was 13.80% per year. During the past 5 years, the average E10 Growth Rate was 16.60% per year. During the past 10 years, the average E10 Growth Rate was 18.10% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of QCR Holdings was 23.70% per year. The lowest was -4.20% per year. And the median was 9.10% per year.

As of today (2026-07-07), QCR Holdings's current stock price is €84.00. QCR Holdings's E10 for the quarter that ended in Mar. 2026 was €4.88. QCR Holdings's Shiller PE Ratio of today is 17.21.

During the past 13 years, the highest Shiller PE Ratio of QCR Holdings was 35.16. The lowest was 9.64. And the median was 17.05.


QCR Holdings  (FRA:3PE) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

QCR Holdings's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=84.00/4.88
=17.21

* 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 Shiller P/E Ratio of QCR Holdings was 35.16. The lowest was 9.64. And the median was 17.05.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


QCR Holdings E10 Related Terms


QCR Holdings E10 Historical Data

* Premium members only.

The historical data trend for QCR Holdings's E10 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 E10 Chart

QCR Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.80 3.48 3.88 4.59 4.64

QCR Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 4.56 4.39 4.53 4.64 4.88

FRA:3PE vs OBK, BFC, CNOB: E10 Comparison

For the Banks - Regional subindustry, QCR Holdings's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where QCR Holdings's Shiller PE Ratio falls into.


FRA:3PE
66GF Score
QCR Holdings Inc FRA:3PE
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

QCR Holdings E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.721/330.2130*330.2130
=1.721

Current CPI (Mar. 2026) = 330.2130.

QCR Holdings Quarterly Data

per share eps CPI Adj_EPS
201606 0.472 241.018 0.647
201609 0.410 241.428 0.561
201612 0.607 241.432 0.830
201703 0.636 243.801 0.861
201706 0.579 244.955 0.781
201709 0.487 246.819 0.652
201712 0.591 246.524 0.792
201803 0.600 249.554 0.794
201806 0.625 251.989 0.819
201809 0.471 252.439 0.616
201812 0.738 251.233 0.970
201903 0.717 254.202 0.931
201906 0.752 256.143 0.969
201909 0.854 256.759 1.098
201912 0.891 256.974 1.145
202003 0.633 258.115 0.810
202006 0.764 257.797 0.979
202009 0.925 260.280 1.174
202012 0.937 260.474 1.188
202103 0.941 264.877 1.173
202106 1.154 271.696 1.403
202109 1.692 274.310 2.037
202112 1.513 278.802 1.792
202203 1.353 287.504 1.554
202206 0.823 296.311 0.917
202209 1.727 296.808 1.921
202212 1.709 296.797 1.901
202303 1.494 301.836 1.634
202306 1.560 305.109 1.688
202309 1.396 307.789 1.498
202312 1.788 306.746 1.925
202403 1.454 312.332 1.537
202406 1.598 314.175 1.680
202409 1.478 315.301 1.548
202412 1.690 315.605 1.768
202503 1.406 319.799 1.452
202506 1.483 322.561 1.518
202509 1.840 324.800 1.871
202512 1.810 324.054 1.844
202603 1.721 330.213 1.721

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €4.88 mean?
QCR Holdings (FRA:3PE) has a E10 of €4.88 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on QCR Holdings and its competitors.
Is QCR Holdings' E10 too high?
QCR Holdings' current E10 is €4.88. Overall, QCR Holdings has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does QCR Holdings' E10 compare to OBK and BFC?
QCR Holdings' E10 of €4.88 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on QCR Holdings and its competitors. QCR Holdings's current E10 is €4.88. 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?
Based on GuruFocus' analysis, QCR Holdings (FRA:3PE) is currently considered Modestly Overvalued. The stock's GF Value™ is €64.84, compared to a current price of €84.00 — trading 29.5% above its estimated fair value. The current E10 is €4.88. QCR Holdings' overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For QCR Holdings (FRA:3PE), the current E10 is €4.88 as of Mar. 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 €84.00 is trading 29.5% above its estimated GF Value™ of €64.84. GuruFocus considers QCR Holdings to be Modestly Overvalued.

Key valuation signals for FRA:3PE:

  • E10: €4.88
  • GF Value™: €64.84 vs. price of €84.00 (29.5% above fair value)
  • GF Score™: 66/100 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.
66GF Score

Get the complete analysis for FRA:3PE

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€84.00
Price
€64.84
GF Value