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QCR Holdings Inc. (QCRH) — RQD Stock Rating Cockpit

$102.31 +1.37% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $102.37

QCR Holdings Inc. (QCRH) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $1.68B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on QCRH Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is QCRH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-01, QCR Holdings Inc. (NASDAQ: QCRH) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $102.31 (+1.37% 1D, market cap $1.68B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, QCRH ranks #182 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does QCRH compare to NBHC and BFC in the Financials sector?

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Within the Financials sector (Major Banks), QCRH carries a Roarable C+ (69/100 RQD), trailing P/E of 13.2x, gross margin of —, and ROIC of 11.4%. By comparison, NBHC (National Bank Holdings Corporation) holds a B grade (72/100 RQD, P/E 15.3x, ROIC 7.9%, cap $1.67B) and BFC (Bank First Corporation) posts a D+ grade (55/100 RQD, P/E 23.4x, ROIC 11.1%, cap $1.67B). Among the 5-stock peer group, QCRH leads on earnings multiple (13.2x) while QCRH leads on capital efficiency (11.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for QCRH?

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Per QCRH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000906465), QCR Holdings Inc. generated $0 in revenue, $127.2M in net income, and $354.1M in free cash flow against $9.50B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $102.37 (+0.06%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 8.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+4.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for QCRH)Realized 20D OHLCV Swing Band: ±5%

Deterministic 5-Pillar Attribution (69/100 Composite)

🔍 WHY QCRH SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (23% of score)

FRED Regime × Technicals: 83% of 52W Range • RSI-14 at 53.3 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Cash Engine Quality11/20 pts (-9 pt drag)

Capital intensity & 0% operating margin leave 9 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$97.21+1.7% Next Q

Q2 (-2Q)

Grade C+$98.86+4.6% Next Q

Q3 (-1Q)

Grade B-$103.37-1% Next Q

Current

Grade C+$102.31+2% Hist 90D α

Trajectory: C (61) → C+ (69)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the QCRH Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, QCRH faces multiple-compression risk if 13.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($100.36) or 200D SMA ($94.48) invalidates the momentum regime and cuts Target Base ($107.37) toward Bear Floor ($83.75).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $QCRH• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “QCRH Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 69%NO 31%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

53.330 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE83% OF RANGE

L: $74$102.31H: $108

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 29 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on QCRH

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (55)

11.4% ROIC with 42.0% gross margin and 21.14% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (75)

29/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like QCRH

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (QCRH Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

QCRH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.15%▼ DESCENDING CHANNEL

2026-10-30O $102.8H $102.8L $101.0C $102.3VOL 88.9K

RES: $104.7SUP: $95.24SMA50: $100.4SMA200: $94.48

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

QCRH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 QCRH Butterfly Map → + Track QCRH →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

4.5%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on QCRH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for QCRH. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for QCRH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (QCRH)

Financials Rank #182 of 1096 ⚔️ NBHC vs QCRH Full Matrix →

1. Head-to-Head Financials Peer Comparison (QCRH vs. NBHC, BFC, TCBK, LOB)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, QCR Holdings Inc. (QCRH) ranks #182 by composite RQD confidence (69/100, grade C+) and #463 by equity capitalization ($1.68B). Within this direct 5-issuer industry benchmark cohort, QCRH leads on earnings valuation at 13.2x trailing P/E, while QCRH leads on capital efficiency and profitability with 11.4% ROIC and — gross margin. NBHC currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with QCRH at 69/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
QCRH ACTIVE QCR Holdings Inc.	C+	69/100	13.2x	—	11.4%	+1.37%	$1.68B	Benchmark Subject
NBHC National Bank Holdings Corporation	B	72/100	15.3x	—	7.9%	+0.21%	$1.67B	/nbhc-vs-qcrh →
BFC Bank First Corporation	D+	55/100	23.4x	—	11.1%	+1.85%	$1.67B	/bfc-vs-qcrh →
TCBK TriCo Bancshares	C	65/100	14.1x	—	9.2%	+0.87%	$1.71B	/tcbk-vs-qcrh →
LOB Live Oak Bancshares Inc.	B-	71/100	15.3x	—	8.5%	+1.18%	$1.62B	/lob-vs-qcrh →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000906465

In its most recent audited fiscal period (FY2025, filed 2025-12-31), QCR Holdings Inc. (QCRH) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $127.2M, operating cash flow of $421.5M, and free cash flow of $354.1M (-11.5% YoY). On the balance sheet, QCRH closed FY2025 with $9.50B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$127.2M	$421.5M	$354.1M	$9.50B	—
FY2024 (FY)	2024-12-31	$0	$113.8M	$444.5M	$400.0M	$9.03B	—
FY2023 (FY)	2023-12-31	$0	$113.6M	$376.3M	$376.3M	—	—

3. QCRH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is QCRH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does QCRH compare to NBHC and BFC in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for QCRH?

Where is QCRH trading relative to its 50-day, 200-day, and 52-week technical levels?

QCRH last traded at $102.31 (+1.37% on volume of 110,366 shares), positioning the stock +1.94% above its 50-day simple moving average ($100.36) and +8.29% above its 200-day simple moving average ($94.48). Across its 52-week range of $73.90 to $108.11, QCRH sits at the 83.0% percentile with a 14-day RSI of 53.3 (NEUTRAL RANGE) and an implied next-earnings move of ±5.0% ($97.19 to $107.43).

QCRH Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell QCRH stock right now?

QCR Holdings Inc. (QCRH) currently earns a Roarable Rating of C+ (Hold — HOLD) with 69/100 RQD Confidence. Solid steady margins (11% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.

What is QCRH's 12-month price target and RQD AI Jury consensus?

QCRH's 12-month base price target is $107.37 (range $83.75 to $126.7), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: QCRH RQD Cockpit QCRH 12M Forecast QCRH Earnings & Move QCRH Dividends & DRIP QCRH Insiders & 13F QCRH Whale Options QCRH Profit Sankey QCRH News & Why