Qcr Holdings Inc - Understand $qcrh stock

$QCRH Market Cap: $1.537 Billion

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Financial Snapshot

Revenue

$445.1M

TTM

Gross Margin

Net Earnings

$116.5M

TTM

Current Assets

Current Liabilities

$2.750M

Q3 2024

Current Ratio

Total Assets

$9.089B

Q3 2024

Total Liabilities

$8.112B

Q3 2024

Book Value

$976.6M

Q3 2024

Cash

$103.8M

Q3 2024

P/E

13.19

Nov 29, 2024 EST

Free Cash Flow

$520.7M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993
Revenue	$546.1M	$373.3M	$200.2M	$198.4M	$216.1M	$182.9M	$166.0M	$137.5M	$114.4M	$107.2M
YoY Change	46.29%	86.51%	0.9%	-8.19%	18.15%	10.17%	20.72%	20.23%	6.64%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue	$546.1M	$373.3M	$200.2M	$198.4M	$216.1M	$182.9M	$166.0M	$137.5M	$114.4M	$107.2M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$8.725M	$7.662M	$5.359M	$5.333M	$5.225M	$4.451M	$3.949M	$3.424M	$3.065M	$2.813M	$2.900M	$2.400M	$2.400M	$2.500M	$2.800M	$2.600M	$2.300M	$2.400M	$2.000M	$1.500M	$1.100M	$900.0K	$800.0K	$600.0K	$600.0K	$400.0K	$300.0K	$100.0K	$100.0K	$0.00
YoY Change	13.87%	42.97%	0.49%	2.07%	17.39%	12.71%	15.33%	11.72%	8.97%	-3.01%	20.83%	0.0%	-4.0%	-10.71%	7.69%	13.04%	-4.17%	20.0%	33.33%	36.36%	22.22%	12.5%	33.33%	0.0%	50.0%	33.33%	200.0%	0.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Interest Expense	$192.4M	$61.45M	$21.92M	$31.42M	$60.52M	$40.48M	$19.45M	$11.95M	$13.71M	$16.89M
YoY Change	213.1%	180.32%	-30.24%	-48.08%	49.48%	108.12%	62.77%	-12.81%	-18.87%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Pretax Income	$126.6M	$113.5M	$121.5M	$73.29M	$72.03M	$52.14M	$40.65M	$36.59M	$20.60M	$17.99M	$19.60M	$17.60M	$14.00M	$9.300M	$2.300M	$7.000M	$9.800M	$3.500M	$6.700M	$7.500M	$8.200M	$4.300M	$3.600M	$4.400M	$4.100M	$4.100M	$1.400M	$700.0K	-$400.0K	-$1.300M
YoY Change	11.51%	-6.52%	65.74%	1.75%	38.15%	28.24%	11.11%	77.64%	14.48%	-8.21%	11.36%	25.71%	50.54%	304.35%	-67.14%	-28.57%	180.0%	-47.76%	-10.67%	-8.54%	90.7%	19.44%	-18.18%	7.32%	0.0%	192.86%	100.0%	-275.0%	-69.23%
Income Tax	$13.06M	$14.48M	$22.56M	$12.71M	$14.62M	$9.015M	$4.946M	$8.903M	$3.669M	$3.039M	$4.600M	$4.500M	$3.900M	$2.400M	$200.0K	$1.700M	$2.900M	$700.0K	$2.100M	$2.400M	$2.700M	$1.300M	$1.200M	$1.700M	$1.600M	$1.700M	$200.0K	$0.00	$0.00	$0.00
% Of Pretax Income	10.32%	12.75%	18.57%	17.34%	20.3%	17.29%	12.17%	24.33%	17.81%	16.89%	23.47%	25.57%	27.86%	25.81%	8.7%	24.29%	29.59%	20.0%	31.34%	32.0%	32.93%	30.23%	33.33%	38.64%	39.02%	41.46%	14.29%	0.0%
Net Earnings	$113.6M	$99.07M	$98.91M	$60.58M	$57.41M	$43.12M	$35.71M	$27.69M	$16.93M	$14.95M	$14.90M	$12.60M	$9.700M	$6.600M	$1.800M	$6.700M	$5.800M	$2.800M	$4.800M	$5.200M	$5.500M	$3.000M	$2.400M	$2.700M	$2.500M	$2.400M	$1.200M	$700.0K	-$400.0K	-$1.100M
YoY Change	14.63%	0.16%	63.26%	5.53%	33.14%	20.76%	28.97%	63.56%	13.21%	0.35%	18.25%	29.9%	46.97%	266.67%	-73.13%	15.52%	107.14%	-41.67%	-7.69%	-5.45%	83.33%	25.0%	-11.11%	8.0%	4.17%	100.0%	71.43%	-275.0%	-63.64%
Net Earnings / Revenue	20.79%	26.54%	49.41%	30.54%	26.57%	23.58%	21.51%	20.14%	14.8%	13.94%
Basic Earnings Per Share	$6.79	$5.94	$6.30	$3.84	$3.65	$2.92	$2.68	$2.20	$1.64	$1.75
Diluted Earnings Per Share	$6.73	$5.865M	$6.20	$3.80	$3.60	$2.86	$2.61	$2.17	$1.61	$1.72	$2.661M	$2.571M	$2.021M	$1.435M	$400.0K	$1.457M	$1.261M	$595.7K	$1.043M	$1.209M	$1.279M	$731.7K	$685.7K	$750.0K	$694.4K	$685.7K	$352.9K	$212.1K	-$125.0K	-$478.3K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$126.8M	$120.9M	$79.80M	$74.40M	$75.80M	$75.60M	$62.80M	$60.60M	$37.40M	$36.00M	$36.80M	$31.30M	$31.70M	$31.10M	$31.50M	$31.40M	$31.90M	$32.50M	$25.60M	$18.10M	$12.00M	$9.200M	$8.700M	$7.700M	$7.600M	$7.700M	$5.200M	$4.500M	$1.800M	$1.700M	$0.00
YoY Change	4.82%	51.56%	7.26%	-1.85%	0.26%	20.38%	3.63%	62.03%	3.89%	-2.17%	17.57%	-1.26%	1.93%	-1.27%	0.32%	-1.57%	-1.85%	26.95%	41.44%	50.83%	30.43%	5.75%	12.99%	1.32%	-1.3%	48.08%	15.56%	150.0%	5.88%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets					$12.00M						$4.600M					$0.00	$68.20M
YoY Change																-100.0%
Total Long-Term Assets
YoY Change
Total Assets	$8.539B	$7.949B	$6.096B	$5.705B	$4.909B	$4.950B	$3.983B	$3.302B	$2.593B	$2.525B	$2.395B	$2.094B	$1.967B	$1.837B	$1.780B	$1.606B	$1.477B	$1.272B	$1.043B	$870.1M	$710.0M	$604.6M	$400.9M	$367.6M	$321.3M	$250.2M	$168.4M	$111.5M	$80.80M	$39.00M	$600.0K
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$3.500M	$3.000M	$1.300M	$1.700M	$1.900M
YoY Change	16.67%	130.77%	-23.53%	-10.53%
Deferred Revenue
YoY Change
Short-Term Debt	$1.500M	$129.6M	$3.800M	$5.400M	$13.40M	$28.80M	$14.00M	$40.00M	$144.7M	$268.4M	$149.3M	$309.3M	$349.8M	$291.2M	$291.0M	$177.0M	$217.9M	$115.4M	$118.2M	$110.8M	$61.60M	$37.90M	$39.60M	$28.30M	$20.80M	$9.700M	$3.500M	$1.500M	$2.200M	$7.200M	$0.00
YoY Change	-98.84%	3311.32%	-29.63%	-59.7%	-53.47%	105.71%	-65.0%	-72.36%	-46.09%	79.77%	-51.73%	-11.58%	20.12%	0.07%	64.41%	-18.77%	88.82%	-2.37%	6.68%	79.87%	62.53%	-4.29%	39.93%	36.06%	114.43%	177.14%	133.33%	-31.82%	-69.44%
Long-Term Debt Due								$16.00M
YoY Change
Total Short-Term Liabilities	$1.500M	$3.000M	$1.300M	$1.700M	$1.900M	$28.80M	$14.00M	$16.00M	$144.7M	$268.4M	$149.3M	$309.3M	$349.8M	$291.2M	$291.0M	$177.0M	$217.9M	$115.4M	$118.2M	$110.8M	$61.60M	$37.90M	$39.60M	$28.30M	$20.80M	$9.700M	$3.500M	$1.500M	$2.200M	$7.200M
YoY Change	-50.0%	130.77%	-23.53%	-10.53%	-93.4%	105.71%	-12.5%	-88.94%	-46.09%	79.77%	-51.73%	-11.58%	20.12%	0.07%	64.41%	-18.77%	88.82%	-2.37%	6.68%	79.87%	62.53%	-4.29%	39.93%	36.06%	114.43%	177.14%	133.33%	-31.82%	-69.44%
Long-Term Debt	$281.8M	$281.3M	$152.0M	$156.7M	$106.2M	$109.7M	$103.5M	$97.50M	$148.5M	$190.7M	$182.7M	$36.10M	$36.10M	$36.10M	$36.10M	$36.10M	$36.10M	$36.10M	$25.80M	$20.60M	$12.00M	$12.00M	$12.00M	$12.00M	$12.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.19%	85.04%	-3.0%	47.55%	-3.19%	5.99%	6.15%	-34.34%	-22.13%	4.38%	406.09%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	39.92%	25.24%	71.67%	0.0%	0.0%	0.0%	0.0%
Other Long-Term Liabilities	$420.0M	$366.0M	$324.2M	$333.3M	$181.8M	$94.60M	$53.20M	$55.70M	$42.50M	$38.70M	$37.00M	$31.40M	$26.10M	$23.20M	$21.80M	$22.40M	$82.00M	$20.60M	$15.00M	$7.900M	$6.700M	$8.400M	$4.900M	$4.300M	$8.600M	$5.500M	$5.500M	$1.300M	$900.0K	$200.0K	$100.0K
YoY Change	14.75%	12.89%	-2.73%	83.33%	92.18%	77.82%	-4.49%	31.06%	9.82%	4.59%	17.83%	20.31%	12.5%	6.42%	-2.68%	-72.68%	298.06%	37.33%	89.87%	17.91%	-20.24%	71.43%	13.95%	-50.0%	56.36%	0.0%	323.08%	44.44%	350.0%	100.0%	0.0%
Total Long-Term Liabilities	$701.8M	$647.3M	$476.2M	$490.0M	$288.0M	$204.3M	$156.7M	$153.2M	$191.0M	$229.4M	$219.7M	$67.50M	$62.20M	$59.30M	$57.90M	$58.50M	$118.1M	$56.70M	$40.80M	$28.50M	$18.70M	$20.40M	$16.90M	$16.30M	$20.60M	$5.500M	$5.500M	$1.300M	$900.0K	$200.0K	$100.0K
YoY Change	8.42%	35.92%	-2.82%	70.14%	40.97%	30.38%	2.28%	-19.79%	-16.74%	4.42%	225.48%	8.52%	4.89%	2.42%	-1.03%	-50.47%	108.29%	38.97%	43.16%	52.41%	-8.33%	20.71%	3.68%	-20.87%	274.55%	0.0%	323.08%	44.44%	350.0%	100.0%	0.0%
Total Liabilities	$7.652B	$7.176B	$5.419B	$5.111B	$4.374B	$4.477B	$3.629B	$3.016B	$2.367B	$2.381B	$2.247B	$1.953B	$1.824B	$1.706B	$1.656B	$1.515B	$1.391B	$1.201B	$988.1M	$819.3M	$668.2M	$568.0M	$377.1M	$347.6M	$302.9M	$231.0M	$153.8M	$99.80M	$69.20M	$27.30M	$100.0K
YoY Change	6.64%	32.42%	6.02%	16.86%	-2.3%	23.34%	20.34%	27.4%	-0.57%	5.94%	15.06%	7.08%	6.95%	3.01%	9.29%	8.95%	15.8%	21.53%	20.6%	22.61%	17.64%	50.62%	8.49%	14.76%	31.13%	50.2%	54.11%	44.22%	153.48%	27200.0%	0.0%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Basic Shares Outstanding	16.73M	16.68M	15.71M	15.77M	15.73M	14.77M	13.33M	12.57M	10.35M	7.925M	5.532M shares
Diluted Shares Outstanding	16.87M	16.89M	15.94M	15.95M	15.97M	15.06M	13.68M	12.77M	10.50M	8.049M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $1.5369 Billion

About QCR HOLDINGS INC

QCR Holdings, Inc. operates as a multi-bank holding company which engages in the provision of commercial banking services. The company is headquartered in Moline, Illinois and currently employs 976 full-time employees. The firm serves the Quad Cities, Cedar Rapids, Waterloo/Cedar Falls, Des Moines/Ankeny and Springfield communities, through four wholly owned banking subsidiaries (Banks), Quad City Bank & Trust (QCBT), Cedar Rapids Bank & Trust (CRBT), Community State Bank (CSB) and Guaranty Bank (GB), which provides full-service commercial and consumer banking and trust and asset management services. The Company’s principal business consists of attracting deposits and investing those deposits in loans/leases and securities. The firm is also engaged in direct financing lease contracts and equipment financing agreements through m2, a wholly owned subsidiary of QCBT based in Waukesha, Wisconsin. The company is also engaged in wealth management services through its banking subsidiaries. The company also provides a range of commercial and retail lending/leasing and investment services to corporations, partnerships, individuals, and government agencies.

Industry: State Commercial Banks Peers: Allegiance Bancshares, Inc. Amerant Bancorp Inc. ConnectOne Bancorp, Inc. PREMIER FINANCIAL CORP PATHWARD FINANCIAL, INC. HORIZON BANCORP INC /IN/ PEOPLES BANCORP INC PNC FINANCIAL SERVICES GROUP, INC. WASHINGTON TRUST BANCORP INC