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NBHC (55) HOPE (57) TCBK (66) BFC (58) ⌘ Pro Terminal β†’

QCR Holdings Inc. (QCRH) Dividend Safety Gauge & 10-Year DRIP Compounder

$103.44 +2.03% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $103.62

QCR Holdings Inc. (QCRH) carries a Roarable Rating of C (Hold) with 64/100 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 β€’ HOLD / WATCH Cap $1.69B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on QCRH Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is QCRH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, QCR Holdings Inc. (NASDAQ: QCRH) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $103.44 (+2.03% 1D, market cap $1.69B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, QCRH ranks #274 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does QCRH compare to NBHC and HOPE in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), QCRH carries a Roarable C (64/100 RQD), trailing P/E of 13.2x, gross margin of β€”, and ROIC of 11.4%. By comparison, NBHC (National Bank Holdings Corporation) holds a D+ grade (55/100 RQD, P/E 15.3x, ROIC 7.9%, cap $1.70B) and HOPE (Hope Bancorp Inc.) posts a D+ grade (57/100 RQD, P/E 28.0x, ROIC 2.7%, cap $1.70B). Among the 5-stock peer group, QCRH leads on earnings multiple (13.2x) while QCRH leads on capital efficiency (11.4% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for QCRH?
β–Ό

Per QCRH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000906465), QCR Holdings Inc. generated $3.99B in revenue (+5.2% YoY), $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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” 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:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $103.63 (+0.18%)🧬 Cannibal Buyback (-2.36% YoY Shares)βš™οΈ Cash Engine: 11/20 (D+) β€’ 8.9% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY β€’ 55.2% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C
025507510064
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

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

5-PILLAR RQD RADARRw C Β· Rk C
Cash (11)Whales (12)SEC (13)Macro (12)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+2.7% Base Target
$125 Bull$106 Base$83 Bear
πŸ“¬ FREE QCRH RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for QCRH)Realized 20D OHLCV Swing Band: Β±4.7%
Deterministic 5-Pillar Attribution (64/100 Composite)
πŸ” WHY QCRH SCORES 64/100 (C) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

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

β–² #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (20% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 5/9

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

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

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
56
Grade C$97.21+2.3% Next Q
Q2 (-2Q)
59
Grade C$99.47+1.5% Next Q
Q3 (-1Q)
61
Grade C$100.93+2.5% Next Q
Current
64
Grade C$103.44+1.1% Hist 90D Ξ±
Trajectory: C (56) β†’ C (64)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the QCRH Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 64/100 (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) β€” 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 ($100.46) or 200D SMA ($94.72) invalidates the momentum regime and cuts Target Base ($106.23) toward Bear Floor ($82.86).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $QCRHβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œQCRH Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 64%NO 36%Trade / Inspect Odds β†’
CASH DIVIDEND + BUYBACK YIELD
1.8% Total Yield
0% Cash ($0.00/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 β€’ REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years β†’ $19,307

Est. Year-10 Shareholder Yield: $348/yr
$10.7K
Yr 1
$11.4K
Yr 2
$12.2K
Yr 3
$13.0K
Yr 4
$13.9K
Yr 5
$14.8K
Yr 6
$15.8K
Yr 7
$16.9K
Yr 8
$18.1K
Yr 9
$19.3K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in QCRH & A-Rated Leaders

  • βœ“12-month Bull/Base/Bear fair-value walkthrough on QCRH and its top sector peer
  • βœ“Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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QCRH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.11%⚑ TESTING RESISTANCE
2026-11-04O $101.4H $103.4L $101.4C $103.4VOL 96.8K
RES: $104.6SUP: $95.11SMA50: $100.5SMA200: $94.72
$109.9$102.3$94.75$87.15$79.55RES $104.6SUP $95.11$103.42026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

πŸ¦‹ QCRH Butterfly Map β†’ + Track QCRH β†’
Share Count & Dilution Monitor

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

Reverse-DCF Expectations Hurdle
4.5%/yr Implied 5Y Growth

vs. +5.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on QCRH today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

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 β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (QCRH)

Financials Rank #274 of 1097 βš”οΈ NBHC vs QCRH Full Matrix β†’

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

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, QCR Holdings Inc. (QCRH) ranks #274 by composite RQD confidence (64/100, grade C) and #460 by equity capitalization ($1.69B). 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 β€” gross margin. TCBK currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with QCRH at 64/100 (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 64/100 13.2x β€” 11.4% +2.03% $1.69B Benchmark Subject
NBHC
National Bank Holdings Corporation
D+ 55/100 15.3x β€” 7.9% +1.68% $1.70B /nbhc-vs-qcrh β†’
HOPE
Hope Bancorp Inc.
D+ 57/100 28.0x β€” 2.7% +0.83% $1.70B /hope-vs-qcrh β†’
TCBK
TriCo Bancshares
C+ 66/100 14.1x β€” 9.2% +2.08% $1.71B /tcbk-vs-qcrh β†’
BFC
Bank First Corporation
D+ 58/100 23.4x β€” 11.1% +1.29% $1.67B /bfc-vs-qcrh β†’

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

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000906465 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), QCR Holdings Inc. (QCRH) reported GAAP revenue of $3.99B (+5.2% vs. FY2024 revenue of $3.79B , and +179.0% cumulative change since FY2023) , 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 $3.99B $127.2M $421.5M $354.1M $9.50B β€”
FY2024 (FY) 2024-12-31 $3.79B $113.8M $444.5M $400.0M $9.03B β€”
FY2023 (FY) 2023-12-31 $1.43B $113.6M $376.3M $376.3M β€” β€”

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

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-03, QCR Holdings Inc. (NASDAQ: QCRH) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $103.44 (+2.03% 1D, market cap $1.69B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, QCRH ranks #274 in composite RQD confidence.

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

Within the Financials sector (Major Banks), QCRH carries a Roarable C (64/100 RQD), trailing P/E of 13.2x, gross margin of β€”, and ROIC of 11.4%. By comparison, NBHC (National Bank Holdings Corporation) holds a D+ grade (55/100 RQD, P/E 15.3x, ROIC 7.9%, cap $1.70B) and HOPE (Hope Bancorp Inc.) posts a D+ grade (57/100 RQD, P/E 28.0x, ROIC 2.7%, cap $1.70B). 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 $3.99B in revenue (+5.2% YoY), $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 $103.44 (+2.03% on volume of 96,758 shares), positioning the stock +2.97% above its 50-day simple moving average ($100.46) and +9.21% above its 200-day simple moving average ($94.72). Across its 52-week range of $74.08 to $108.11, QCRH sits at the 86.3% percentile with a 14-day RSI of 59.0 (BULLISH MOMENTUM) and an implied next-earnings move of Β±4.7% ($98.58 to $108.30).

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
ROARABLE RATING BRIEF β€’ RQD 64/100 (C) βœ“ SEC XBRL & RQD VERIFIED

QCRH β€” QCR Holdings Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

QCR Holdings Inc. (QCRH) earns a live Roarable RQD composite score of 64/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $103.44 (+2.03% 1D, market capitalization $1.69B).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 11.4%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 21.14%.
  • Whale 13F & Options Flow (12/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

QCR Holdings Inc. Is a NASDAQ-listed issuer classified in the Financials sector and the Major Banks industry. Market capitalization is $1.7B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), QCR Holdings Inc. (QCRH) reported $3.99B in annual revenue (up from $3.79B in FY2024, +5.2% YoY) and $127.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.43B revenue, $113.6M net income) through FY2025, QCRH scaled operating cash flow to $421.5M and free cash flow to $354.1M, backed by $9.50B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C β€’ RQD 64/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 21.14% and institutional whale pillar of 12/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $74.08 – $108.11 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 13.2x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore β€” The only sector context provided is the classification as Financials / Major Banks. Investors should note the deposit-branch sale and the mixed Q3 sales headline as the most relevant items for assessing second-order effects on the loan and deposit franchise, but the source does not quantify those effects.

  • Key Question #1: Can QCRH sustain or expand its β€” operating margin and 11.4% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $3.99B and free cash flow of $354.1M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is QCRH's 12.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

QCRH Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for QCR Holdings Inc. (QCRH) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to QCRH Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

QCRH Bull vs. Bear Conversation Board β€” What's Your Call at $103.44?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON QCRH 🐻 33% BEARISH CONVICTION
1. Pick Your Side on QCRH:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
CA CashFlowKing RQD DEBATE OPENER β€’ FCF Compounder Hunter πŸ‚ BULLISH 🎯 Target: $133.82 (+32.0%)
πŸ“Œ Pinned Debate

A 21.14% FCF yield and 11.4% ROIC, paired with insider cluster flow scoring 16/20, support the case for upside.

Long QCRH at $101.38 targeting $133.82. A 21.14% FCF yield and 11.4% ROIC, paired with insider cluster flow scoring 16/20, support the case for upside.. Institutional whale score is 12/20 and the risk/reward vs. the $73.90 52-week low is skewed heavily in favor of bulls.

RetailWhale_TX πŸ‚ BULL

Both sides have a point here β€” QCRH's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

BE BearTrap_Alert RQD DEBATE OPENER β€’ Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $86.17 (-15.0%)
Spot @ $101.38

Revenue and operating income are reported as $0.0M in every period, leaving the top line and margins unverifiable.

Sitting on the sidelines or leaning short QCRH above $101.38. Revenue and operating income are reported as $0.0M in every period, leaving the top line and margins unverifiable.. Until Fundamental Cash Engine (11/20) and FCF yield (21.14%) inflect higher, upside is capped near $108.11.

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