QCR HoldingsFRA:3PE 66 ROA % is 1.40% as of Mar. 2026, which is 14% above its 10-year median of 1.23. 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. Among 1,530 Banks companies, QCR Holdings ranks better than 75.42% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. QCR Holdings's annualizedNet Income for the quarter that ended in Mar. 2026 was €115.5 Mil.
QCR Holdings's average Total Assets over the quarter that ended in Mar. 2026 was €8,246.6 Mil. Therefore, QCR Holdings's annualized ROA % for the quarter that ended in Mar. 2026 was 1.40%.
The historical rank and industry rank for QCR Holdings's ROA % or its related term are showing as below:
FRA:3PE'
s ROA % Range Over the Past 10 Years
Min: 0.94 Med: 1.23 Max: 1.68
Current: 1.43
During the past 13 years, QCR Holdings's highest ROA % was 1.68%. The lowest was 0.94%. And the median was 1.23%.
FRA:3PE's ROA % is ranked better than 75.42% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs FRA:3PE: 1.43
QCR Holdings (FRA:3PE) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
QCR Holdings ROA % Related Terms
QCR Holdings ROA % Historical Data
* Premium members only.
The historical data trend for QCR Holdings's ROA % 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.
For the Banks - Regional subindustry, QCR Holdings's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, QCR Holdings's ROA % distribution charts can be found below:
* The bar in red indicates where QCR Holdings's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
QCR Holdings (FRA:3PE) has a ROA % of 1.40% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on QCR Holdings and its competitors. This is 14% above median its historical median of 1.23. Over the past decade, QCR Holdings' ROA % has ranged from 0.94 to 1.68. According to the industry distribution chart, QCR Holdings ranks #376 out of 1530 companies in the Banks industry, placing it in the top 24.6%.
Is QCR Holdings' ROA % too high?
QCR Holdings' current ROA % of 1.40% is 14% above median its 10-year median of 1.23. Over the past 10 years, this metric has ranged from a low of 0.94 to a high of 1.68. The Banks industry median ROA % is 0.98. QCR Holdings' value of 1.40% is 42.9% above this industry median. Based on the distribution chart, QCR Holdings ranks #376 out of 1530 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 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does QCR Holdings' ROA % compare to OBK and BFC?
According to the Banks industry distribution chart, QCR Holdings ranks #376 out of 1530 companies for ROA %. This places QCR Holdings in the top 25% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. QCR Holdings' value of 1.40% is 42.9% above this benchmark. Historically, QCR Holdings' own ROA % has ranged from 0.94 to 1.68 over the past decade. While the company's 10-year median is 1.23 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. QCR Holdings's current ROA % of 1.40% is 42.9% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on QCR Holdings and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. QCR Holdings's current ROA % is 1.40%, which is 14% above median its own 10-year median of 1.23. 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 ROA % is 1.40%, which is 14% above median its 10-year median of 1.23 and 42.9% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For QCR Holdings (FRA:3PE), the current ROA % is 1.40% 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:
ROA %: 1.40% (14% above median its 10-year median of 1.23)
GF Value™: €64.84 vs. price of €84.00 (29.5% above fair value)
Industry Position: 42.9% above the Banks median (#376 of 1530)
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.
66GF Score
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