QCR Holdings, Inc. (QCRH)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-09
$101.37-0.64%
Close 2026-09-09 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-09
Intact: The reason to own it still holds.
QCR Holdings aims to grow capital markets revenue to $70 million by end of 2026. The company targets 10% to 15% annual loan growth for the last three quarters of 2026. It has increased its dividend per share from $0.06 to $0.10, showing strong shareholder returns. Profit margins and cash flow remain robust with a stable valuation.
Revenue growth may slow or decline, as recent revenue fell from $127.5 million to $120.1 million. Loan growth might miss the 10% to 15% target, hurting earnings. Dividend increases could stall if earnings weaken further.
The market prices in about -6% revenue growth and values the stock slightly below our fair value. Our view is more optimistic on revenue growth and capital markets revenue expansion.
Breaks if: capital markets revenue falls below $60 million by end of 2026
Breaks if: dividend per share falls below $0.10 in 2026
This is not a price target or investment advice.
A long-form read on the 1–3 year hold thesis. It updates when the weekly evidence changes.
This investment represents a durable compounder with a focus on steady growth. The current thesis is intact, supported by management's commitment to loan growth and capital markets revenue, despite a recent dip in confidence.
The market appears to have a neutral view on QCRH's valuation, with some expectations for growth already priced in. The stock is seen as stretched compared to peers, indicating that investors may be anticipating continued performance without significant surprises.
Fundamentals are expected to remain stable, with management on track to meet growth targets for loans and capital markets revenue. However, there is a moderate risk of missing estimates, especially given the company's smaller size and recent history of performance variability.
The thesis hinges on the performance of sector bellwethers like HDB, IBN, and PNC. If these companies continue to perform well, it could provide a favorable backdrop for QCRH. Conversely, any negative guidance from these peers could impact QCRH's outlook.
The most important moves since the prior daily snapshot.
Yes, our read has strengthened. The latest earnings beat supports a positive outlook. Additionally, there is an increase in capital markets revenue guidance. No significant threats have emerged to weaken this view.
as of 2026-09-09
Review the evidence to watch, what would become a concern, and what would make it less concerning.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Breaks if: loan growth falls below 10% annualized in last three quarters of 2026
Overall, QCRH's long-term prospects remain solid, supported by management's commitments and sector trends. Not investment advice.