NASDAQ : QCRH

QCR Holdings, Inc. — Financial statements

Financials · Banks - Regional · United States

Last price 102.31 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 1.67B

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Financial statements

Income statement

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023FY2022FY2021
Interest Income on Loans420.08M419.33M421.82M368.67M257.84M173.94M
Interest Income on Investments70.10M70.10M60.03M44.74M34.73M26.21M
Total Interest Income490.18M489.43M481.86M413.41M292.57M200.16M
Interest Paid on Deposits188.28M204.70M213.13M159.42M42.36M13.30M
Interest Paid on Borrowings29.50M29.50M36.94M32.98M19.09M8.62M
Total Interest Expense217.78M234.21M250.07M192.40M61.45M21.92M
Net Interest Income272.40M255.22M231.79M221.01M231.12M178.23M
Trust Income15.90M14.37M13.03M11.70M10.64M11.21M
Gain (Loss) on Sale of Assets-13.00K
Gain (Loss) on Sale of Investments-451.00K-88.00K
Other Non-Interest Income95.10M89.21M91.93M111.65M59.42M78.55M
Total Non-Interest Income121.53M114.32M115.53M132.68M80.73M100.41M
Revenues Before Loan Losses393.93M369.54M347.32M353.69M311.85M278.64M
Provision for Loan Losses17.11M18.08M17.10M16.54M8.28M3.49M
Revenue376.81M351.46M330.22M337.15M303.56M275.16M
Salaries and Employee Benefits129.98M123.84M125.36M133.94M112.93M98.56M
Occupancy Expenses30.00M27.67M25.01M25.03M21.98M15.92M
Federal Deposit Insurance8.12M8.20M7.44M7.14M5.81M4.47M
Amortization of Goodwill & Intangibles2.52M2.98M2.76M2.94M2.85M2.03M
Selling, General & Administrative38.53M39.76M33.70M29.70M27.77M24.79M
Other Non-Interest Expense13.65M13.04M11.00M11.60M9.47M8.71M
Total Non-Interest Expense222.86M215.56M205.26M210.32M180.78M153.06M
EBT Excluding Unusual Items153.95M135.90M124.96M126.83M122.79M122.09M
Pretax Income153.95M135.90M122.58M126.62M113.55M121.47M
Income Tax Expense12.22M8.71M8.73M13.06M14.48M22.56M
Net Income141.73M127.19M113.85M113.56M99.07M98.91M
Net Income to Common141.73M127.19M113.85M113.56M99.07M98.91M
Basic Shares Outstanding16.57M16.88M16.83M16.73M16.68M15.71M
Diluted Shares Outstanding16.66M16.97M16.96M16.87M16.89M15.94M
EPS (Basic)8.567.546.776.795.946.30
EPS (Diluted)8.507.496.716.735.876.20
Dividend Per Share0.060.240.240.240.240.24
Effective Tax Rate7.94%6.41%7.12%10.32%12.75%18.57%

Balance sheet

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023FY2022FY2021
Cash & Equivalents186.70M99.64M118.88M132.57M116.63M49.86M
Investment Securities1.43B1.29B1.21B1.03B929.25M791.18M
Trading Asset Securities243.88M276.28M270.31M209.71M177.63M222.22M
Mortgage-Backed Securities68.86M50.04M59.20M66.22M94.32M
Total Investments1.68B1.63B1.53B1.30B1.17B1.11B
Gross Loans7.20B7.17B6.78B6.54B6.14B4.68B
Allowance for Loan Losses-88.42M-90.13M-89.84M-87.20M-87.71M-78.72M
Other Adjustments to Gross Loans-708.00K-1.59M-3.97M-3.03M-4.34M
Net Loans7.11B7.08B6.69B6.45B6.05B4.60B
Property, Plant & Equipment218.31M162.45M126.78M120.95M79.83M
Goodwill138.59M138.59M138.59M139.03M137.61M74.07M
Other Intangible Assets6.56M8.08M11.06M13.82M16.76M9.35M
Loans Held for Sale2.45M1.43M2.14M2.59M1.48M3.83M
Accrued Interest Receivable32.80M30.90M28.80M24.30M15.30M
Other Real Estate Owned & Foreclosed1.73M1.04M1.20M1.35M133.00K
Other Long-Term Assets674.78M352.33M319.41M318.05M282.60M150.79M
Total Assets9.80B9.58B9.03B8.54B7.95B6.10B
Interest Bearing Deposits6.18B5.87B5.61B4.96B4.35B3.48B
Institutional Deposits596.30M529.70M511.40M371.70M169.00M
Non-Interest Bearing Deposits1.02B950.98M921.16M1.04B1.26B1.27B
Total Deposits7.20B7.41B7.06B6.51B5.98B4.92B
Short-Term Borrowings989.26M304.06M185.90M186.66M745.33M239.85M
Current Portion of Long-Term Debt235.00M140.00M300.00M
Current Portion of Leases434.00K
Long-Term Debt234.41M254.44M264.22M263.64M232.66M117.93M
Federal Home Loan Bank Debt, Long-Term10.61M10.38M145.38M135.00M
Long-Term Leases3.35M3.30M3.50M3.00M1.30M
Trust Preferred Securities49.09M48.99M48.86M48.73M48.60M38.16M
Pension & Post-Retirement Benefits9.09M8.82M8.69M8.16M7.27M
Other Long-Term Liabilities156.93M183.22M170.98M192.07M154.14M91.84M
Total Liabilities8.64B8.46B8.03B7.65B7.18B5.42B
Common Stock1.15B16.69M16.88M16.75M16.80M15.61M
Additional Paid-In Capital372.85M374.98M370.81M370.71M273.77M
Retained Earnings773.35M665.17M554.99M450.11M386.08M
Comprehensive Income & Other-50.58M-59.64M-55.96M-64.90M1.55M
Shareholders' Equity1.15B1.11B997.39M886.60M772.72M677.01M
Total Liabilities & Equity9.80B9.58B9.03B8.54B7.95B6.10B
Total Debt1.28B856.65M787.65M937.53M1.03B397.24M
Net Cash (Debt)-852.78M-354.21M-255.02M-490.33M-667.97M-49.87M
Net Cash Per Share-51.20-20.87-15.04-29.07-39.55-3.13
Filing Date Shares Outstanding16.29M16.73M16.90M16.79M16.83M15.64M
Total Common Shares Outstanding16.29M16.69M16.88M16.75M16.80M15.61M
Book Value Per Share70.7066.6459.0852.9346.0143.36
Tangible Book Value1.01B965.64M847.73M733.75M618.36M593.60M
Tangible Book Value Per Share61.7957.8650.2143.8136.8238.02

Cash flow statement

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023FY2022FY2021
Net Income127.19M113.85M113.56M99.07M98.91M
Depreciation & Amortization12.30M11.23M11.66M10.52M7.39M
Gain (Loss) on Sale of Assets9.00K-81.00K303.00K249.00K-695.00K
Gain (Loss) on Sale of Investments-6.08M1.41M456.00K-9.22M511.00K
Total Asset Writedown432.00K
Provision for Credit Losses18.08M17.10M16.54M8.28M3.49M
Net Decrease (Increase) in Loans Originated / Sold - Operating288.09M2.49M497.00K8.09M4.55M
Change in Other Net Operating Assets-24.97M-25.86M-11.81M1.42M-44.21M
Other Operating Activities-361.00K317.39M238.37M-3.68M15.97M
Operating Cash Flow421.54M444.54M376.32M118.70M88.22M
Capital Expenditures-67.43M-44.49M-14.95M-33.26M-13.98M
Sale of Property, Plant and Equipment1.84M2.00K503.00K2.06M1.73M
Cash Acquisitions144.97M
Investment in Securities-110.14M-173.69M-83.28M-18.62M33.83M
Net Decrease (Increase) in Loans Originated / Sold - Investing-685.67M-642.86M-676.70M-654.86M-433.54M
Other Investing Activities5.92M14.12M24.86M-75.47M-4.54M
Investing Cash Flow-854.71M-845.23M-749.27M-634.69M-411.77M
Short-Term Debt Issued165.85M300.00K525.83M
Long-Term Debt Issued130.59M10.38M135.00M110.00M
Total Debt Issued296.44M10.68M135.00M635.83M
Short-Term Debt Repaid-206.96M-160.00M-243.13M-16.00M-1.63M
Long-Term Debt Repaid-10.00M-5.00M
Total Debt Repaid-206.96M-160.00M-243.13M-26.00M-6.63M
Net Debt Issued (Repaid)89.47M-149.32M-108.13M609.83M-6.63M
Issuance of Common Stock1.13M1.47M1.40M422.00K670.00K
Repurchase of Common Stock-21.63M-8.69M-52.95M-14.17M
Common Dividends Paid-4.06M-4.03M-4.03M-3.94M-3.79M
Net Increase (Decrease) in Deposit Accounts353.01M547.18M529.79M-15.13M323.63M
Financing Cash Flow417.93M395.30M410.35M538.23M299.71M
Net Cash Flow-15.24M-5.39M37.40M22.23M-23.84M
Free Cash Flow354.11M400.05M361.38M85.44M74.24M
Free Cash Flow Margin100.75%121.15%107.19%28.14%26.98%
Free Cash Flow Per Share20.8623.5921.435.064.66
Cash Interest Paid237.09M247.67M187.95M58.65M23.37M
Cash Income Tax Paid4.90M4.85M2.85M1.06M48.99M

Ratios

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023FY2022FY2021
Market Capitalization1.65B1.40B1.36B977.00M838.14M873.47M
Last Close Price101.3882.9980.0857.7748.8754.88
PE Ratio11.9211.0311.958.608.468.83
PS Ratio4.383.994.122.902.763.17
PB Ratio1.431.261.361.101.081.29
P/FCF Ratio2.083.963.402.709.8111.77
P/OCF Ratio1.923.333.062.607.069.90
Debt / Equity Ratio1.110.770.791.061.330.59
Debt / FCF Ratio2.421.972.5912.055.35
Net Debt / Equity Ratio0.740.320.260.550.860.07
Net Debt / FCF Ratio1.000.641.367.820.67
Return on Equity (ROE)12.66%12.06%12.09%13.69%13.67%15.57%
Return on Assets (ROA)1.46%1.37%1.30%1.38%1.41%1.68%
Earnings Yield8.39%9.07%8.37%11.62%11.82%11.32%
FCF Yield48.00%25.25%29.41%36.99%10.19%8.50%
Dividend Yield0.59%0.29%0.30%0.41%0.48%0.43%
Payout Ratio4.82%3.19%3.54%3.55%3.98%3.84%
Buyback Yield / Dilution2.11%-0.08%-0.55%0.14%-5.93%0.05%
Total Shareholder Return2.71%0.21%-0.26%0.55%-5.45%0.48%