What is Qcr Holdings's earnings per share (EPS)?

Qcr Holdings (QCRH) reported diluted earnings per share of $7.49 for fiscal year 2025. This represents a 11.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Qcr Holdings Financials

QCRH

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Qcr Holdings (QCRH) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 43/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Qcr Holdings's revenue grew a modest 1.6% year-over-year to $489.4M. This slow but positive growth earns a score of 36/100.

Leverage

Qcr Holdings has elevated debt relative to equity (D/E of 7.61), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Qcr Holdings converts 72.4% of revenue into free cash flow ($354.1M). This strong cash generation earns a score of 100/100.

Returns

Qcr Holdings's ROE of 11.4% shows moderate profitability relative to equity, earning a score of 37/100. This is up from 11.4% the prior year.

Piotroski F-Score Neutral

5/9

Qcr Holdings passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

3.31x

For every $1 of reported earnings, Qcr Holdings generates $3.31 in operating cash flow ($421.5M OCF vs $127.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$489.4M

YoY+1.6%

5Y CAGR+9.4%

10Y CAGR+15.6%

Qcr Holdings generated $489.4M in revenue in fiscal year 2025. This represents an increase of 1.6% from the prior year.

EBITDA

N/A

Net Income

$127.2M

YoY+11.7%

5Y CAGR+16.0%

10Y CAGR+22.3%

Qcr Holdings reported $127.2M in net income in fiscal year 2025. This represents an increase of 11.7% from the prior year.

EPS (Diluted)

$7.49

YoY+11.6%

5Y CAGR+14.5%

10Y CAGR+16.6%

Qcr Holdings earned $7.49 per diluted share (EPS) in fiscal year 2025. This represents an increase of 11.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$354.1M

YoY-11.5%

5Y CAGR+26.8%

10Y CAGR+30.0%

Qcr Holdings generated $354.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 11.5% from the prior year.

Cash & Debt

N/A

Dividends Per Share

$0.24

YoY+0.0%

5Y CAGR+0.0%

10Y CAGR+11.6%

Qcr Holdings paid $0.24 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

17M

YoY-1.0%

5Y CAGR+1.1%

10Y CAGR+3.6%

Qcr Holdings had 17M shares outstanding in fiscal year 2025. This represents a decrease of 1.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

26.0%

YoY+2.4pp

5Y CAGR+6.6pp

10Y CAGR+11.2pp

Qcr Holdings's net profit margin was 26.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.4 percentage points from the prior year.

Return on Equity

11.4%

YoY+0.0pp

5Y CAGR+1.2pp

10Y CAGR+4.0pp

Qcr Holdings's ROE was 11.4% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$67.4M

YoY+51.6%

5Y CAGR+73.7%

10Y CAGR+31.4%

Qcr Holdings invested $67.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 51.6% from the prior year.

QCRH Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$489.4M+1.6%	$481.9M-11.8%	$546.1M+46.3%	$373.3M+24.2%	$300.6M-3.7%	$312.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$234.2M-6.3%	$250.1M+30.0%	$192.4M+213.1%	$61.5M+180.3%	$21.9M-30.2%	$31.4M
Income Tax	$8.7M-0.2%	$8.7M-33.2%	$13.1M-9.8%	$14.5M-35.8%	$22.6M+77.6%	$12.7M
Net Income	$127.2M+11.7%	$113.8M+0.3%	$113.6M+14.6%	$99.1M+0.2%	$98.9M+63.3%	$60.6M
EPS (Diluted)	$7.49+11.6%	$6.71-0.3%	$6.73+14.7%	$5.87-5.3%	$6.20+63.2%	$3.80

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$127.5M+2.0%	$125.0M+4.0%	$120.2M+3.1%	$116.7M+217.6%	$36.7M-75.9%	$152.6M+1.3%	$150.6M+6.2%	$141.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$59.1M-1.8%	$60.2M+3.5%	$58.2M+2.6%	$56.7M-6.2%	$60.4M-8.0%	$65.7M+3.3%	$63.6M+5.4%	$60.4M
Income Tax	$3.0M-21.9%	$3.8M+147.7%	$1.6M+403.9%	$308K-89.6%	$3.0M+44.5%	$2.0M-19.9%	$2.6M+117.9%	$1.2M
Net Income	$35.7M-2.9%	$36.7M+26.5%	$29.0M+12.5%	$25.8M-14.7%	$30.2M+8.8%	$27.8M-4.6%	$29.1M+8.9%	$26.7M
EPS (Diluted)	N/A	$2.16+26.3%	$1.71+12.5%	$1.52	N/A	$1.64-4.7%	$1.72+8.9%	$1.58

QCRH Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$9.6B+6.1%	$9.0B+5.7%	$8.5B+7.4%	$7.9B+30.4%	$6.1B+6.9%	$5.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$138.6M0.0%	$138.6M-0.3%	$139.0M+1.0%	$137.6M+85.8%	$74.1M0.0%	$74.1M
Total Liabilities	$8.5B+5.4%	$8.0B+4.9%	$7.7B+6.6%	$7.2B+32.4%	$5.4B+6.0%	$5.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.1B+11.5%	$997.4M+12.5%	$886.6M+14.7%	$772.7M+14.1%	$677.0M+14.0%	$593.8M
Retained Earnings	$773.4M+16.3%	$665.2M+19.9%	$555.0M+23.3%	$450.1M+16.6%	$386.1M+28.3%	$300.8M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$9.6B+0.1%	$9.6B+3.5%	$9.2B+1.0%	$9.2B+1.4%	$9.0B-0.7%	$9.1B+2.4%	$8.9B+3.2%	$8.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$138.6M0.0%	$138.6M0.0%	$138.6M0.0%	$138.6M0.0%	$138.6M0.0%	$138.6M-0.3%	$139.0M0.0%	$139.0M
Total Liabilities	$8.5B-0.2%	$8.5B+3.5%	$8.2B+0.8%	$8.1B+1.3%	$8.0B-1.0%	$8.1B+2.2%	$7.9B+3.2%	$7.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.1B+2.3%	$1.1B+3.5%	$1.1B+2.7%	$1.0B+2.5%	$997.4M+2.1%	$976.6M+4.3%	$936.3M+3.2%	$907.3M
Retained Earnings	$773.4M+3.5%	$747.3M+4.1%	$718.0M+4.1%	$690.0M+3.7%	$665.2M+4.7%	$635.6M+4.4%	$608.8M+4.8%	$580.7M

QCRH Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$421.5M-5.2%	$444.5M+18.1%	$376.3M+217.0%	$118.7M+34.6%	$88.2M-21.4%	$112.2M
Capital Expenditures	$67.4M+51.6%	$44.5M+197.7%	$14.9M-55.1%	$33.3M+137.9%	$14.0M+227.6%	$4.3M
Free Cash Flow	$354.1M-11.5%	$400.0M+10.7%	$361.4M+323.0%	$85.4M+15.1%	$74.2M-31.2%	$107.9M
Investing Cash Flow	-$854.7M-1.1%	-$845.2M-12.8%	-$749.3M-18.1%	-$634.7M-54.1%	-$411.8M+41.5%	-$704.5M
Financing Cash Flow	$417.9M+5.7%	$395.3M-3.7%	$410.3M-23.8%	$538.2M+79.6%	$299.7M-48.1%	$577.4M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$335.4M+606.8%	$47.5M+12.4%	$42.2M+1288.2%	-$3.6M-102.0%	$177.3M-25.5%	$238.1M+803.9%	$26.3M+860.0%	$2.7M
Capital Expenditures	$24.6M+56.2%	$15.7M-12.7%	$18.0M+97.6%	$9.1M-34.6%	$13.9M+69.5%	$8.2M-19.1%	$10.2M-16.2%	$12.1M
Free Cash Flow	$310.8M+879.7%	$31.7M+31.0%	$24.2M+291.1%	-$12.7M-107.8%	$163.4M-28.9%	$229.9M+1321.6%	$16.2M+272.1%	-$9.4M
Investing Cash Flow	-$310.6M+4.2%	-$324.1M-235.6%	-$96.6M+21.8%	-$123.5M+29.5%	-$175.3M+48.0%	-$337.2M-34.5%	-$250.7M-205.2%	-$82.1M
Financing Cash Flow	-$25.9M-110.4%	$249.4M+315.0%	$60.1M-55.3%	$134.3M+1048.2%	-$14.2M-112.8%	$110.7M-53.0%	$235.5M+272.4%	$63.2M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

QCRH Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	26.0%+2.4pp	23.6%+2.8pp	20.8%-5.8pp	26.5%-6.4pp	32.9%+13.5pp	19.4%
Return on Equity	11.4%+0.0pp	11.4%-1.4pp	12.8%-0.0pp	12.8%-1.8pp	14.6%+4.4pp	10.2%
Return on Assets	1.3%+0.1pp	1.3%-0.1pp	1.3%+0.1pp	1.3%-0.4pp	1.6%+0.6pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.61-0.4	8.05-0.6	8.63-0.7	9.29+1.3	8.00-0.6	8.61
FCF Margin	72.4%-10.7pp	83.0%+16.8pp	66.2%+43.3pp	22.9%-1.8pp	24.7%-9.9pp	34.6%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	28.0%-1.4pp	29.4%+5.2pp	24.1%+2.0pp	22.1%-60.2pp	82.3%+64.1pp	18.2%-1.1pp	19.3%+0.5pp	18.8%
Return on Equity	3.2%-0.2pp	3.4%+0.6pp	2.8%+0.2pp	2.5%-0.5pp	3.0%+0.2pp	2.9%-0.3pp	3.1%+0.2pp	2.9%
Return on Assets	0.4%0.0pp	0.4%+0.1pp	0.3%+0.0pp	0.3%-0.1pp	0.3%+0.0pp	0.3%-0.0pp	0.3%+0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.61-0.2	7.800.0	7.80-0.2	7.95-0.1	8.05-0.3	8.31-0.2	8.480.0	8.48
FCF Margin	243.8%+218.4pp	25.4%+5.2pp	20.1%+31.0pp	-10.9%-455.6pp	444.7%+294.0pp	150.7%+139.9pp	10.7%+17.4pp	-6.6%

Similar Companies

Byline Bancorp BY

$1.5B

Westamerica Bancorporation WABC

$1.3B

Bank First Corp BFC

$1.5B

Merchants Bancorp Ind MBIN

$2.0B

Dime Community Bancshares Inc DCOM

$1.5B

Frequently Asked Questions

What is Qcr Holdings's annual revenue?

Qcr Holdings (QCRH) reported $489.4M in total revenue for fiscal year 2025. This represents a 1.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Qcr Holdings's revenue growing?

Qcr Holdings (QCRH) revenue grew by 1.6% year-over-year, from $481.9M to $489.4M in fiscal year 2025.

Is Qcr Holdings profitable?

Yes, Qcr Holdings (QCRH) reported a net income of $127.2M in fiscal year 2025, with a net profit margin of 26.0%.

What is Qcr Holdings's net profit margin?

Qcr Holdings (QCRH) had a net profit margin of 26.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Qcr Holdings pay dividends?

Yes, Qcr Holdings (QCRH) paid $0.24 per share in dividends during fiscal year 2025.

What is Qcr Holdings's return on equity (ROE)?

Qcr Holdings (QCRH) has a return on equity of 11.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Qcr Holdings's free cash flow?

Qcr Holdings (QCRH) generated $354.1M in free cash flow during fiscal year 2025. This represents a -11.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Qcr Holdings's operating cash flow?

Qcr Holdings (QCRH) generated $421.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Qcr Holdings's total assets?

Qcr Holdings (QCRH) had $9.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Qcr Holdings's capital expenditures?

Qcr Holdings (QCRH) invested $67.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Qcr Holdings have outstanding?

Qcr Holdings (QCRH) had 17M shares outstanding as of fiscal year 2025.

What is Qcr Holdings's debt-to-equity ratio?

Qcr Holdings (QCRH) had a debt-to-equity ratio of 7.61 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Qcr Holdings's return on assets (ROA)?

Qcr Holdings (QCRH) had a return on assets of 1.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Qcr Holdings's Piotroski F-Score?

Qcr Holdings (QCRH) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Qcr Holdings's earnings high quality?

Qcr Holdings (QCRH) has an earnings quality ratio of 3.31x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Qcr Holdings?

Qcr Holdings (QCRH) scores 43 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.