Stock Ratings / Financials / QCRH / financials

NBHC (72) BFC (55) TCBK (65) LOB (71) ⌘ Pro Terminal →

QCR Holdings Inc. (QCRH) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$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

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 →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How QCRH Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$354.1M (8.9% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$127.2M	$354.1M	11.4%
FY 2024	$4.00B	52%	0%	$113.8M	$400.0M	11.4%
FY 2023	$4.00B	52%	0%	$113.6M	$376.3M	11.4%

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

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring QCRH)

✓Walkthrough of QCRH's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

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?

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.

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

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).

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

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.

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

How profitable is QCR Holdings Inc. (QCRH)?

In FY 2025 (10-K), QCRH converted $4.0B of revenue into a 52% gross margin, 0% operating margin, and $354.1M in free cash flow (8.9% FCF margin).

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