QCR Holding Inc Dossier
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SectorFinancials IndustryBanks - Regional Beta (adjusted)0.83 Intrinsic Value Insufficient data for a value estimateNot enough reliable inputs to publish a fair value for this company yet. Market Price $99.26Price as of 1 Oct 2026 Data confidence Sign in to view data confidence Market Cap $1.6B Enterprise Value $1.6B Shares Outstanding 16.6M diluted Next Earnings Date20 Oct 2026 Last ex-dividend18 Jun 2026 All prices and values are periodic snapshots, not live quotes. Source dates are shown for reference. ThesisStreet consensus, scenarios, merits, risks, and invalidation triggers Thesis Summary QCR Holdings (NASDAQ: QCRH) represents a compelling investment opportunity in the regional banking sector. The company's relationship-driven, multi-bank decentralized model allows it to maintain deep local market connections while benefiting from centralized operational efficiencies. QCRH has demonstrated robust financial performance, highlighted by a significant Q1 2026 earnings beat driven by strong net interest income, disciplined expense management, and exceptional core deposit growth. Its unique niche in Low-Income Housing Tax Credit (LIHTC) lending and municipal bond purchasing provides a high-yield, stable revenue stream that differentiates it from traditional regional peers. With a modernized technology infrastructure underway via Jack Henry, QCRH is well-positioned to scale efficiently past its $10 billion asset milestone. This section is the 12-month view: analyst targets and the probability-weighted scenarios built from them. The intrinsic value at the top of this page answers a different question: what the business is worth today. Street view · analyst 12-month targets Low · most bearish analyst$105.00 Mean target$111.20 High · most bullish analyst$123.00 Our research · scenarios, merits, risks, and invalidation triggersResearch as of 18 Sep 2026 Scenarios · 12-month scenario targets Bear CaseDownside scenario $105.00 Severe margin compression below 3.1% due to intense deposit competition and falling interest rates. Loan growth slows to single digits as commercial clients pull back. Operational delays or higher-than-expected integration costs from the technology modernization project push the efficiency ratio above 59%. Asset quality deteriorates, requiring higher credit provisions. Base CaseCentral scenario $111.20 Matches the consensus meanSteady loan growth of 10% to 12% in line with management guidance, with net interest margins stabilizing between 3.2% and 3.4%. The company successfully navigates its digital transformation, keeping noninterest expense growth below 5%. Asset quality remains strong with net charge-offs near historical lows of 0.1%, supporting a steady return on average assets (ROAA) of approximately 1.40%. Bull CaseUpside scenario $123.00 Accelerated loan growth of 12% to 15% driven by strong commercial demand, combined with wider-than-expected net interest margins (above 3.5%) as deposit costs stabilize. Rapid realization of cost synergies from the Jack Henry core conversion and m2 Equipment Finance runoff leads to an efficiency ratio below 55%. Capital markets revenue from LIHTC securitizations exceeds expectations, driving significant noninterest income growth. Scenarios are anchored to street consensus at the research date, with our probabilities and rationale. Key Investment Merits
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All scenarios are estimates and subject to change. Past performance is not indicative of future results. Quality Pillars MembersThis section is available to registered members. Create a free account or sign in to unlock the full breakdown. Explore this dossierValuationIntrinsic value, the six-method breakdown, peer medians, and your assumptions sandbox.Financial SnapshotRevenue, profitability, returns, balance sheet, dividends, and the filing-level detail.Qualitative AnalysisBusiness overview, strategic initiatives, and mergers, acquisitions & partnerships.Outlook & Key DatesForward estimates, reporting calendar, and the monitoring framework. |