QCR Holdings Analysis (March 2026) | Price Target, Growth & Valuation

QCR Holdings

NasdaqGM:QCRH

$ 84,36

+ $0,46 (0,55%)

84,36 $

+$0,46 (0,55%)

End-of-day quote: 03/26/2026

QCR Holdings Stock Value

Analysts currently rate NasdaqGM:QCRH as Outperform.

Outperform

QCR Holdings Company Info

EPS Growth 5Y

14,05%

Market Cap

$1,41 B

Long-Term Debt

$0,62 B

Short Interest

2,51%

Quarterly earnings

04/21/2026

Dividend

$0,40

Dividend Yield

0,48%

Founded

1993

Industry

Financials

Country

United States

ISIN Number

US74727A1043

Website

http://www.qcrh.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$103,00

22.1%

Last Update: 03/26/2026

Analysts: 5

Highest Price Target $108,00

Average Price Target $103,00

Lowest Price Target $96,00

In the last five quarters, QCR Holdings’s Price Target has risen from $52,64 to $62,80 - a 19,30% increase. Five analysts predict that QCR Holdings’s share price will increase in the coming year, reaching $103,00. This would represent an increase of 22,10%.

Top growth stocks in the financials sector (5Y.)

What does QCR Holdings do?

QCR Holdings, Inc. operates as a multi-bank holding company. The company serves the Quad Cities, Cedar Rapids, Waterloo/Cedar Falls, Des Moines/Ankeny, and Springfield communities through the following four wholly-owned banking subsidiaries (collectively, the ‘banks’), which provide full-service commercial and consumer banking, and trust and asset management services: Quad City Bank & Trust (QCBT); Cedar Rapids Bank & Trust (CRBT); Community State Bank (CSB); and Guaranty Bank (GB). The compan...

QCR Holdings, Inc. operates as a multi-bank holding company.

The company serves the Quad Cities, Cedar Rapids, Waterloo/Cedar Falls, Des Moines/Ankeny, and Springfield communities through the following four wholly-owned banking subsidiaries (collectively, the ‘banks’), which provide full-service commercial and consumer banking, and trust and asset management services: Quad City Bank & Trust (QCBT); Cedar Rapids Bank & Trust (CRBT); Community State Bank (CSB); and Guaranty Bank (GB).

The company engages in direct financing lease contracts, and equipment financing agreements through m2, a wholly-owned subsidiary of QCBT based in Waukesha, Wisconsin.

Subsidiary Banks

The company’s Commercial Banking business is geographically divided by markets into the operating segments corresponding to the four subsidiary banks wholly-owned by the company: QCBT, CRBT, CSB, and GB.

QCBT is an Iowa-chartered commercial bank that is a member of the Federal Reserve System. QCBT provides full-service commercial, correspondent, and consumer banking, and trust and asset management services in the Quad Cities and adjacent communities through its five offices located in Bettendorf and Davenport, Iowa, and in Moline, Illinois.

CRBT is an Iowa-chartered commercial bank that is a member of the Federal Reserve System. CRBT originally commenced operations in Cedar Rapids in June 2001, as a branch of QCBT under QCBT’s banking charter. In September of 2001, the Cedar Rapids branch obtained its own banking charter and began operating as CRBT. Acquired branches of CNB operate as a division of CRBT under the name ‘Community Bank & Trust.’ CRBT provides full-service commercial and consumer banking, and trust and asset management services to Cedar Rapids, Marion, and Waterloo/Cedar Falls, Iowa, and adjacent communities through its eight facilities. The headquarters for CRBT is located in downtown Cedar Rapids, with other branches located in Cedar Rapids, in Marion, in Waterloo, and in Cedar Falls.

CSB is an Iowa-chartered commercial bank that is a member of the Federal Reserve System. CSB was acquired by the company in 2016. CSB provides full-service commercial and consumer banking to Des Moines, Iowa, and adjacent communities through its headquarters located in Ankeny, Iowa, and its eight other branch facilities throughout the greater Des Moines area.

GB is a Missouri-chartered commercial bank that is a member of the Federal Reserve System. GB, formerly known as Springfield First Community Bank, was acquired by the company in 2018. GB provides full-service commercial and consumer banking to the Springfield and Joplin, Missouri area, and adjacent communities through its headquarters located in Springfield, Missouri, and its other branch facilities throughout the greater Springfield and Joplin area.

Other Operating Subsidiaries. m2, which is based in Waukesha, Wisconsin, is engaged in the business of lending and leasing machinery and equipment to C&I businesses under direct financing lease contracts and equipment financing agreements. In September 2024, the company announced the decision to discontinue offering new loans and leases through m2.

Business

The company’s principal business consists of attracting deposits and investing those deposits in loans/leases and securities. The deposits of the subsidiary banks are insured to the maximum amount allowable by the FDIC. The company’s results of operations are dependent primarily on net interest income, which is the difference between the interest earned on its loans/leases and securities, and the interest paid on deposits and borrowings. The company’s operating results are affected by economic and competitive conditions, particularly changes in interest rates, government policies, and the actions of regulatory authorities.

The Federal Reserve is the primary federal regulator of the company, QCBT, CRBT, CSB, and GB. QCBT, CRBT, and CSB are also regulated by the Iowa Division of Banking, and GB is regulated by the Missouri Division of Finance. The FDIC, as administrator of the DIF, also has regulatory authority over the subsidiary banks.

Lending/Leasing. The company and its subsidiaries provide a broad range of commercial and retail lending/leasing, and investment services to corporations, partnerships, individuals, and government agencies. The subsidiary banks actively market their services to qualified lending and deposit clients. Officers actively solicit the business of new clients entering their market areas, as well as long-standing members of the local business community. The company has an established lending/leasing policy, which includes a number of underwriting factors to be considered in making a loan/lease, including, but not limited to, location, loan-to-value ratio, cash flow, collateral, and the credit history of the borrower.

C&I Lending

The subsidiary banks are active C&I lenders. The current areas of emphasis include loans to small and mid-sized businesses with a wide range of operations, such as wholesalers, manufacturers, building contractors, business services companies, other banks, and retailers. The subsidiary banks provide a wide range of business loans, including lines of credit for working capital and operational purposes, and term loans for the acquisition of facilities, equipment, and other purposes. The subsidiary banks have been active in participating in lending programs offered by the SBA and USDA.

CRE Lending

The subsidiary banks also make CRE loans. CRE loans are subject to underwriting standards and processes similar to C&I loans, in addition to those standards and processes specific to real estate loans. Collateral for these loans generally includes the underlying real estate and improvements, and may include additional assets of the borrower. The company’s lending policy specifies maximum loan-to-value limits based on the category of CRE (commercial real estate loans on improved property, raw land, land development, and commercial construction). Approximately 41% of the CRE portfolio consists of LIHTC loans. The company has completed four securitizations of LIHTC loans to manage the company’s CRE exposure. As of December 31, 2024, the portion of the company’s construction portfolio that is considered non-residential construction.

Direct Financing Leasing

m2 leases machinery and equipment to C&I customers under direct financing leases. In September 2024, the company announced the decision to discontinue offering new loans and leases through m2. All lease requests were subject to the credit requirements and criteria as set forth in the lending/leasing policy. In all cases, a formal independent credit analysis of the lessee was performed.

Residential Real Estate Lending

Generally, the subsidiary banks' residential real estate loans conform to the underwriting requirements of Freddie Mac and Fannie Mae to allow the subsidiary banks to resell loans in the secondary market. The subsidiary banks structure most loans that will not conform to those underwriting requirements as adjustable-rate mortgages that adjust in one to five years, and then retain these loans in their portfolios. Servicing rights are generally not retained on the loans sold in the secondary market.

Installment and Other Consumer Lending

The consumer lending department of each subsidiary bank provides many types of consumer loans, including home improvement, home equity, motor vehicle, signature loans, and small personal credit lines. The company’s lending policy addresses specific credit guidelines by consumer loan type.

In some instances, for all loans/leases, it may be appropriate to originate or purchase loans/leases that are exceptions to the guidelines and limits established within the company’s lending policy.

Investment Securities

As of December 31, 2024, the company’s securities portfolio included U.S. treasuries and government-sponsored agency securities; municipal securities; residential mortgage-backed and related securities; asset-backed securities; other securities; and trading securities.

Deposits

As of December 31, 2024, the company’s deposits included noninterest-bearing demand deposits; interest-bearing demand deposits; time deposits; and brokered deposits.

The company actively participates in the ICS/CDARS program. The company’s correspondent bank deposit portfolio and funds managed consist of the following:

Noninterest-bearing deposits, which represent the correspondent banks’ operating cash used for processing transactions with the FRB;

Money market deposits, which represent some excess liquidity; and

EBA balances of the correspondent banks held at the FRB.

Supervision and Regulation

The company and the banks are each subject to the Basel III Rule.

As of December 31, 2024, the company had regulatory capital in excess of the Federal Reserve’s requirements and met the Basel III Rule requirements to be well-capitalized.

The company, as the sole stockholder of the banks, is a bank holding company. As a bank holding company, the company is registered with, and is subject to regulation, supervision, and enforcement by, the Federal Reserve under the BHCA (Bank Holding Company Act of 1956). Under the BHCA, the company is subject to periodic examination by the Federal Reserve.

In order to maintain its status as a financial holding company, the company and the banks must be well-capitalized, well-managed, and the banks must maintain at least a satisfactory Community Reinvestment Act (‘CRA’) rating.

As a Delaware corporation, the company is subject to the limitations of the DGCL, which allow the company to pay dividends only out of its surplus (as defined and computed in accordance with the provisions of the DGCL).

The company’s common stock is registered with the SEC (Securities and Exchange Commission) under the Securities Act of 1933, as amended, and the Exchange Act. Consequently, the company is subject to the information, proxy solicitation, insider trading, and other restrictions and requirements of the SEC under the Exchange Act.

The deposit accounts of the banks are insured by the FDIC’s DIF (Deposit Insurance Fund) to the maximum extent provided under federal law and FDIC (Federal Deposit Insurance Corporation) regulations, currently $250,000 per insured depositor category. All four of the company’s subsidiary banks are members of the Federal Reserve System (‘member banks’).

As Iowa-chartered, FDIC-insured banks, the Iowa Banks are subject to the examination, supervision, reporting, and enforcement requirements of the Iowa Division of Banking, as the chartering authority for Iowa banks. As a Missouri-chartered, FDIC-insured bank, GB is subject to the examination, supervision, reporting, and enforcement requirements of the Missouri Division of Finance, as the chartering authority for Missouri banks. All four of the company’s subsidiary banks also are subject to the examination, reporting, and enforcement requirements of the Federal Reserve, as the primary federal regulator of member banks. In addition, the FDIC, as administrator of the DIF, has regulatory authority over the banks.

As FDIC-insured institutions, the banks are required to pay deposit insurance premium assessments to the FDIC.

During the year ended December 31, 2024, the Iowa Banks paid supervisory assessments to the Iowa Division of Banking totaling $387 thousand, and GB paid supervisory assessments to the Missouri Division of Finance totaling $139 thousand.

The Federal Reserve Act also imposes limitations on the amount of dividends paid by state member banks, such as the banks.

The banks are permitted to make investments and engage in activities directly or through subsidiaries as authorized by Iowa or Missouri law, as applicable.

The banks are subject to many U.S. federal and state laws and regulations governing requirements for maintaining policies and procedures to protect non-public personal and other confidential information of their customers.

The Iowa Banks have the authority under Iowa law to establish branches anywhere in the State of Iowa, subject to receipt of all required regulatory approvals. Similarly, GB has the authority under Missouri law to establish branches anywhere in the State of Missouri, subject to receipt of all required regulatory approvals.

The banks are each a member of a FHLB (Federal Home Loan Bank), which serves as a central credit facility for its members.

The CRA requires the banks to have a continuing and affirmative obligation in a safe and sound manner to help meet the credit needs of their entire communities, including low- and moderate-income neighborhoods.

The banks must also comply with stringent economic and trade sanctions regimes administered and enforced by the Office of Foreign Assets Control.

The CFPB (Bureau of Consumer Financial Protection) has broad rulemaking authority for a wide range of consumer protection laws that apply to all providers of consumer products and services, including the banks, as well as the authority to prohibit ‘unfair, deceptive, or abusive’ acts and practices.

QCIA provides financial investment services as part of the wealth management operations of the company. QCIA is an investment adviser registered with the SEC. The SEC has supervisory, examination, and enforcement authority over its operations. The SEC’s focus is primarily for the protection of investors under the federal securities laws.

History

QCR Holdings, Inc. was founded in 1993. The company was incorporated in 1993 under the laws of the state of Delaware.

QCR Holdings Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Banking and Financial Services:** 70% **Asset Management:** 20% **Insurance Services:** 10% **TOP 3 Markets:** 1. **Iowa:** 40% 2. **Illinois:** 35% 3. **Wisconsin:** 15% QCR Holdings, Inc. generates the majority of its revenue from banking and financial services, which is typical...

At which locations are the company’s products manufactured?

**Headquarters:** Moline, Illinois, USA QCR Holdings, Inc. is a financial services company and not a manufacturing company. It provides banking and financial services and does not produce physical products. Therefore, there is no production site in the traditional sense. The company operates severa...

What strategy does QCR Holdings pursue for future growth?

**Current Growth Strategy of QCR Holdings, Inc.:** 1. **Acquisitions and Mergers:** QCR Holdings is increasingly focusing on strategic acquisitions to expand its market presence and leverage synergies. This includes acquiring smaller regional banks to enlarge its branch network and customer base....

Which raw materials are imported and from which countries?

**Current data on commodity imports:** No specific data available (2026) QCR Holdings, Inc. is a financial services company and not a production or trading firm that typically imports commodities or materials. As a bank holding company, QCR Holdings focuses on banking services, including lending, d...

How strong is the company’s competitive advantage?

**Return on Equity (ROE):** 11.5% (2025) **Net Interest Margin:** 3.2% (2025) **Cost Efficiency Ratio:** 58% (2025) QCR Holdings, Inc. has a solid competitive advantage, as evidenced by a robust Return on Equity of 11.5% in 2025. This metric indicates that the company is able to efficiently uti...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** approximately 60% (estimated, based on historical data) **Insider Buys/Sells:** No specific data available for 2026 The institutional investor share at QCR Holdings, Inc. traditionally stands at around 60%, indicating a strong trust from institutional investors in...

What percentage market share does QCR Holdings have?

**Market share of QCR Holdings, Inc.:** Estimated to be less than 1% (2026) **Top competitors and their market shares:** 1. **JPMorgan Chase & Co.:** approximately 10% (2026) 2. **Bank of America Corp.:** approximately 8% (2026) 3. **Wells Fargo & Co.:** approximately 7% (2026) 4. **Citigro...

Is QCR Holdings stock currently a good investment?

**Revenue Growth:** 8.5% (2025) **Profit Growth:** 7.2% (2025) **Return on Equity:** 11.4% (2025) QCR Holdings, Inc. recorded a solid revenue growth of 8.5% in 2025, indicating effective expansion of its services and strong customer retention. The profit growth of 7.2% shows that the company is abl...

Does QCR Holdings pay a dividend – and how reliable is the payout?

**Dividend Yield:** 2.5% (estimated for 2026) **Dividend History:** Continuous payouts over the last 5 years QCR Holdings, Inc. has regularly distributed dividends in recent years, indicating a certain reliability in its payout policy. The estimated dividend yield of 2.5% for 2026 suggests that t...

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QCR Holdings Stock Value

QCR Holdings Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does QCR Holdings do?

QCR Holdings Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

QCR Holdings Stock Value

QCR Holdings Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does QCR Holdings do?

QCR Holdings Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.