QCR HoldingsFRA:3PE +0.60%67 Net Margin % is 37.80% as of Mar. 2026, which is 28% above its 10-year median of 29.45. GuruFocus rates FRA:3PE with a GF Score™ of 67/100 and a GF Value™ of €68.04 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,527 Banks companies, QCR Holdings ranks better than 77.41% on this metric.
Net margin is calculated as Net Income divided by its Revenue. QCR Holdings's Net Income for the
three
months ended in Mar. 2026 was €28.9 Mil. QCR Holdings's Revenue for the
three
months ended in Mar. 2026 was €76.4 Mil. Therefore, QCR Holdings's net margin for the quarter that ended in Mar. 2026 was 37.80%.
The historical rank and industry rank for QCR Holdings's Net Margin % or its related term are showing as below:
FRA:3PE'
s Net Margin % Range Over the Past 10 Years
Min: 22.02 Med: 29.45 Max: 36.38
Current: 36.06
FRA:3PE's Net Margin % is ranked better than 77.41% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:3PE: 36.06
QCR Holdings (FRA:3PE) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
QCR Holdings Net Margin % Related Terms
QCR Holdings Net Margin % Historical Data
* Premium members only.
The historical data trend for QCR Holdings's Net Margin % 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.
FRA:3PE vs CNOB, LKFN, BY: Net Margin % Comparison
For the Banks - Regional subindustry, QCR Holdings's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, QCR Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where QCR Holdings's Net Margin % falls into.
* 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 (FRA:3PE) has a Net Margin % of 37.80% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on QCR Holdings and its competitors. This is 28% above median its historical median of 29.45. Over the past decade, QCR Holdings' Net Margin % has ranged from 22.02 to 36.38. According to the industry distribution chart, QCR Holdings ranks #345 out of 1527 companies in the Banks industry, placing it in the top 22.6%.
Is QCR Holdings' Net Margin % too high?
QCR Holdings' current Net Margin % of 37.80% is 28% above median its 10-year median of 29.45. Over the past 10 years, this metric has ranged from a low of 22.02 to a high of 36.38. The Banks industry median Net Margin % is 26.95. QCR Holdings' value of 37.80% is 40.3% above this industry median. Based on the distribution chart, QCR Holdings ranks #345 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, QCR Holdings has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does QCR Holdings' Net Margin % compare to CNOB and LKFN?
According to the Banks industry distribution chart, QCR Holdings ranks #345 out of 1527 companies for Net Margin %. This places QCR Holdings in the top 23% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. QCR Holdings' value of 37.80% is 40.3% above this benchmark. Historically, QCR Holdings' own Net Margin % has ranged from 22.02 to 36.38 over the past decade. While the company's 10-year median is 29.45 vs. the industry median of 26.95, QCR Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. QCR Holdings's current Net Margin % of 37.80% is 40.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on QCR Holdings and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. QCR Holdings's current Net Margin % is 37.80%, which is 28% above median its own 10-year median of 29.45. 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 €68.04, compared to a current price of €83.50 — trading 22.7% above its estimated fair value. The current Net Margin % is 37.80%, which is 28% above median its 10-year median of 29.45 and 40.3% above the Banks industry median of 26.95. QCR Holdings' overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For QCR Holdings (FRA:3PE), the current Net Margin % is 37.80% 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 €83.50 is trading 22.7% above its estimated GF Value™ of €68.04.
GuruFocus considers QCR Holdings to be Modestly Overvalued.
Key valuation signals for FRA:3PE:
Net Margin %: 37.80% (28% above median its 10-year median of 29.45)
GF Value™: €68.04 vs. price of €83.50 (22.7% above fair value)
Industry Position: 40.3% above the Banks median (#345 of 1527)
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 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.
67GF Score
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