QCR Holdings (FRA:3PE) LT-Debt-to-Total-Asset: 0.04 (As of Mar. 2026)

What is QCR Holdings LT-Debt-to-Total-Asset?

QCR Holdings FRA:3PE 66 LT-Debt-to-Total-Asset is 0.04 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. QCR Holdings's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.04.

QCR Holdings's long-term debt to total assets ratio declined from Mar. 2025 (0.05) to Mar. 2026 (0.04). It may suggest that QCR Holdings is progressively becoming less dependent on debt to grow their business.

QCR Holdings (FRA:3PE) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

QCR Holdings LT-Debt-to-Total-Asset Related Terms

QCR Holdings LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for QCR Holdings's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

QCR Holdings Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

Get a 7-Day Free Trial

0.03

0.09

0.08

0.06

0.07

QCR Holdings Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.05	0.06	0.06	0.07	0.04

66GF Score

QCR Holdings Inc FRA:3PE

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

QCR Holdings LT-Debt-to-Total-Asset Calculation

QCR Holdings's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	543.051	/	8177.451
	=	0.07

QCR Holdings's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	360.106	/	8315.846
	=	0.04

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.04 mean?

QCR Holdings (FRA:3PE) has a LT-Debt-to-Total-Asset of 0.04 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on QCR Holdings and its competitors.

Is QCR Holdings' LT-Debt-to-Total-Asset too high?

QCR Holdings' current LT-Debt-to-Total-Asset is 0.04. 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' LT-Debt-to-Total-Asset compare to OBK and BFC?

QCR Holdings' LT-Debt-to-Total-Asset of 0.04 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on QCR Holdings and its competitors. QCR Holdings's current LT-Debt-to-Total-Asset is 0.04. 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 LT-Debt-to-Total-Asset is 0.04. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For QCR Holdings (FRA:3PE), the current LT-Debt-to-Total-Asset is 0.04 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:

LT-Debt-to-Total-Asset: 0.04
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

Industry Financial Services Banks

Comparable Companies OBK BFC CNOB LKFN BY TCBK HOPE RBCAA STBA GABC SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges QCRH:USA

Address 3551 7th Street, Moline, IL, USA, 61265

Website https://www.qcrh.com

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

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€84.00

Price

€64.84

GF Value

View FRA:3PE Analysis

See LT-Debt-to-Total-Asset data for all stocks →