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Upturn AI SWOT - About
QCR Holdings Inc (QCRH)
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Upturn Advisory Summary
04/01/2025: QCRH (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 19.88% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.21B USD | Price to earnings Ratio 10.7 | 1Y Target Price 96.6 |
Price to earnings Ratio 10.7 | 1Y Target Price 96.6 | ||
Volume (30-day avg) 86021 | Beta 0.99 | 52 Weeks Range 54.19 - 95.94 | Updated Date 04/1/2025 |
52 Weeks Range 54.19 - 95.94 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 0.34% | Basic EPS (TTM) 6.71 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 34.48% | Operating Margin (TTM) 41.34% |
Management Effectiveness
Return on Assets (TTM) 1.3% | Return on Equity (TTM) 12.09% |
Valuation
Trailing PE 10.7 | Forward PE 12.2 | Enterprise Value 1469634944 | Price to Sales(TTM) 3.68 |
Enterprise Value 1469634944 | Price to Sales(TTM) 3.68 | ||
Enterprise Value to Revenue 5.25 | Enterprise Value to EBITDA - | Shares Outstanding 16901200 | Shares Floating 16267882 |
Shares Outstanding 16901200 | Shares Floating 16267882 | ||
Percent Insiders 3.54 | Percent Institutions 75.25 |
Analyst Ratings
Rating 4.4 | Target Price 98.4 | Buy 3 | Strong Buy 2 |
Buy 3 | Strong Buy 2 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
QCR Holdings Inc
Company Overview
History and Background
QCR Holdings, Inc. was founded in 1993 and is headquartered in Moline, Illinois. It operates as a multi-bank holding company providing full-service commercial banking and financial services.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking services, including lending, deposit accounts, and cash management services to businesses and individuals.
- Wealth Management: Provides wealth management services, including investment advisory, trust, and retirement planning services.
- Mortgage Banking: Provides mortgage banking services including origination, sales and servicing of home mortgages.
Leadership and Structure
QCR Holdings is led by its Board of Directors and executive management team. The organizational structure includes various departments overseeing banking operations, wealth management, and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes. Market share data is not publicly available at the individual product level. Competitors include regional and national banks like US Bancorp, BOK Financial Corporation.
- Deposit Accounts: Offers checking, savings, and money market accounts. Market share data not publicly available. Competitors include local and national banks.
- Wealth Management Services: Provides financial planning and investment management services. Market share data not publicly available. Competitors include large wealth management firms such as Raymond James, Edward Jones and Ameriprise Financial.
Market Dynamics
Industry Overview
The banking industry is characterized by regulatory scrutiny, interest rate sensitivity, and technological advancements. Growth is often tied to economic conditions and loan demand.
Positioning
QCR Holdings operates as a regional bank focusing on community banking and wealth management. Its competitive advantages include local market knowledge and personalized customer service.
Total Addressable Market (TAM)
The total addressable market includes all banking and wealth management services in the regions it serves. TAM estimates are in the billions of dollars. QCR is positioned to capture a portion of this market through its regional focus and service offerings.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Diversified revenue streams (banking, wealth management)
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on local economy
- Higher operational costs
- Limited name recognition compared to larger competitors
Opportunities
- Expansion into new markets
- Increased demand for wealth management services
- Adoption of digital banking technologies
- Acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- USB
- BOKF
- FHN
Competitive Landscape
QCR Holdings competes with larger national and regional banks. It aims to differentiate itself through personalized service and local market expertise. The larger banks have the advantages of scale and wider product offerings.
Major Acquisitions
Community First Bancshares, Inc.
- Year: 2021
- Acquisition Price (USD millions): 123
- Strategic Rationale: Expanded presence in Eastern Iowa.
Growth Trajectory and Initiatives
Historical Growth: Requires detailed financial data to discuss growth trends.
Future Projections: Requires analyst estimates to provide projections.
Recent Initiatives: Requires real-time access to company reports.
Summary
QCR Holdings is a regional bank that operates in a highly competitive industry. Its strengths lie in its community relationships and diversified revenue streams. It must navigate economic uncertainties and competitive pressures to achieve sustainable growth and should focus on market share growth and digital adoption.
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Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Data Providers
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share percentages are estimates.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About QCR Holdings Inc
Exchange NASDAQ | Headquaters Moline, IL, United States | ||
IPO Launch date 1993-10-06 | CEO & Director Mr. Larry J. Helling | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 941 | Website https://www.qcrh.com |
Full time employees 941 | Website https://www.qcrh.com | ||
QCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. The company's deposit products include noninterest-bearing demand, interest-bearing demand, time, and brokered deposits. It also provides various commercial and retail lending/leasing, and investment services to corporations, partnerships, individuals, and government agencies. The company's loan portfolio comprises loans to small and mid-sized businesses; business loans, including lines of credit for working capital and operational purposes; term loans for the acquisition of facilities, equipment, and other purposes; commercial and residential real estate loans; and installment and other consumer loans, such as motor vehicle, home improvement, home equity, signature loans, and small personal credit lines. In addition, it engages in lending and leasing of machinery and equipment to commercial and industrial businesses under direct financing lease contracts and equipment financing agreements; and issuance of trust preferred securities. QCR Holdings, Inc. was incorporated in 1993 and is headquartered in Moline, Illinois.
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