CATALYSTYahoo • 4d ago
QCR Holdings: 3 Key Takeaways for Long-Term InvestorsStrategic asset sales and technology upgrades are keeping the bank nimble as it approaches a $10 billion regulatory threshold.
Why QCRH Stock advanced +1.37% Today — RQD Quant Desk Flash
$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.
ROARABLE C+ • HOLD / WATCH
Cap $1.68B
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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.
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INTERACTIVE SCENARIO DECK:
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
61
Q2 (-2Q)Grade C+$98.86+4.6% Next Q
64
Q3 (-1Q)Grade B-$103.37-1% Next Q
66
CurrentGrade C+$102.31+2% Hist 90D α
69
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why QCRH Stock advanced +1.37% Today — RQD Quant Desk Flash
QCR Holdings Inc. (QCRH) advanced +1.37% to $102.31, trading at 83% of its 52-week range ($73.9 – $108.11). Solid steady margins (11% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 83% of its 52-week range ($73.9 – $108.11) with RSI-14 at 53.3 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5% around $102.31 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $354.1M annual free cash flow.
Live QCRH Headlines & Catalysts
CATALYSTYahoo • 10d ago
Does Record Earnings Beat Change The Bull Case For QCR Holdings Stock (QCRH)?QCR Holdings reported third quarter 2026 net income of US$36.43 million and diluted EPS of US$2.21, alongside US$68.69 million of net interest income and net charge offs of US$3.1 million, which were the lowest level rec
CATALYSTYahoo • 10d ago
QCR Holdings (QCRH) Stock Climbs As Q3 Earnings Extend Record ProfitabilityQCR Holdings has been trading like a quiet compounder, yet today the stock is behaving more like a momentum bank story. After Wednesday’s close at US$99.47, the shares are up about 2% in Thursday trade following the Q3 2
CATALYSTYahoo • 11d ago
QCRH Q3 deep dive: LIHTC flywheel, digital transformation, and deposit growth shape outlookMidwest regional bank QCR Holdings (NASDAQGM:QCRH) fell short of the market’s revenue expectations in Q3 2026, with sales falling 11.7% year on year to $99.17 million. Its non-GAAP profit of $2.21 per share was 5.7% abov
CATALYSTYahoo • 11d ago
QCR Holdings (QCRH) Q3 2026 Earnings Call TranscriptRecord earnings per share driven by margin expansion and robust loan growth.
CATALYSTYahoo • 11d ago
What QCR (QCRH) Said on Its Q3 Earnings CallQCR (NASDAQ:QCRH) reported record third-quarter earnings per share as margin expansion, loan growth, capital markets revenue and improving asset quality supported results. Management also reaffirmed several fourth-quarte
MARKET WIREYahoo • 11d ago
QCR Holdings, Inc. Q3 2026 Earnings Call SummaryMoby summary of QCR Holdings, Inc.'s Q3 2026 earnings call
MARKET WIREYahoo • 12d ago
QCR Holdings (QCRH) Reports Q3 Earnings: What Key Metrics Have to SayAlthough the revenue and EPS for QCR Holdings (QCRH) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates a
CATALYSTYahoo • 12d ago
QCR Holdings (QCRH) Beats Q3 Earnings and Revenue EstimatesQCR Holdings (QCRH) delivered earnings and revenue surprises of +5.74% and +0.26%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
MARKET WIREYahoo • 12d ago
QCR Holdings: Q3 Earnings Snapshot(QCRH) on Tuesday reported third-quarter earnings of $36.The bank, based in Moline, Illinois, said it had earnings of $2.
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)
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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
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 0000906465In 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 ENABLEDIs 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 × FREDWhy is QCRH stock moving today?
Why QCRH Stock advanced +1.37% Today — RQD Quant Desk Flash. Solid steady margins (11% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.