QCR
Operates locally branded banks across Iowa, Illinois, and Missouri.
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Profile
Runs four locally branded community-bank subsidiaries across Iowa, Illinois, and Missouri. Deposits fund loans, leases, and securities, while trust, advisory, mortgage, equipment-finance, loan-sale, and capital-markets income add fee-based revenue.
Through QCBT, CRBT, CSB, and GB, serves community-banking markets in the Quad Cities, Cedar Rapids, Waterloo/Cedar Falls, Des Moines/Ankeny, Springfield, and Joplin. Each bank keeps a local brand while the holding company provides centralized support.
Revenue comes mainly from deposits funding loans, leases, and securities, with added trust, advisory, mortgage, equipment-finance, government-guaranteed loan-sale, and capital-markets income. QCBT also houses m2 Equipment Finance.
Execution depends on relationship banking in concentrated Midwest markets, disciplined credit and deposit gathering, and compliance with Federal Reserve, state banking, FDIC, capital, liquidity, BSA/AML, cannabis-banking, and commercial-real-estate rules.
Company facts
Key statistics
Year to date +22.6% · Average volume (30d) 132.8K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 27, 2026 | DA Davidson | Reiterate | Neutral | $83 | $105 | |
| Jul 27, 2026 | Piper Sandler | Reiterate | Overweight | $107 | $123 | |
| Apr 27, 2026 | Raymond James | Target | $103 | $99 | ||
| Apr 27, 2026 | Piper Sandler | Reiterate | Overweight | $108 | $107 | |
| Jan 30, 2026 | Raymond James | Target | $88 | $103 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 22, 2026Q2 FY26 | $1.91 | $2.19 | +14.7% | $104.1M | $97.3M | −6.5% | +1.18% |
| Apr 22, 2026Q1 FY26 | $1.78 | $1.99 | +11.8% | $104.1M | $90.4M | −13.1% | −0.46% |
| Jan 27, 2026Q4 FY25 | $1.96 | $2.21 | +12.8% | $106.9M | $107.0M | +0.1% | +1.54% |
| Oct 22, 2025Q3 FY25 | $1.73 | $2.17 | +25.4% | $104.5M | $99.1M | −5.2% | +3.18% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $131.3M | $140.0M | $159.3M | $166.2M | $143.0M | $150.5M | |
| Gross profit | $70.4M | $77.8M | $94.8M | $101.5M | $87.9M | $92.6M | |
| Operating income | $26.1M | $30.6M | $40.6M | $38.7M | $35.8M | $40.6M | |
| Net income | $25.8M | $29.0M | $36.7M | $35.7M | $33.4M | $36.3M | |
| Diluted EPS | $1.52 | $1.71 | $2.16 | $2.13 | $2.00 | $2.20 | |
| Gross margin | 53.6% | 55.6% | 59.5% | 61.1% | 61.5% | 61.6% | |
| Operating margin | 19.9% | 21.8% | 25.5% | 23.3% | 25.0% | 27.0% |
Fiscal years (4-quarter sums)FY21 $295.4M · FY22 $365.6M · FY23 $535.6M · FY24 $587.8M · FY25 $596.7M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $111.3M · Total debt $402.3M · Total assets $9.52B · Shareholders' equity $1.15B
Dividends
Raised for 23 straight years — most recently to $0.10 from $0.06 in Mar 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 18, 2026 | Jun 18 | Jul 3 | $0.10 | |
| Mar 19, 2026 | Mar 19 | Apr 3 | $0.10 | raised from $0.06 |
| Dec 23, 2025 | Dec 23 | Jan 7 | $0.06 | |
| Sep 18, 2025 | Sep 18 | Oct 3 | $0.06 | |
| Jun 18, 2025 | Jun 18 | Jul 3 | $0.06 | |
| Mar 19, 2025 | Mar 19 | Apr 3 | $0.06 | |
| Dec 13, 2024 | Dec 13 | Jan 3 | $0.06 | |
| Sep 13, 2024 | Sep 13 | Oct 2 | $0.06 |
Ownership
Shares outstanding 16.51M · Float 15.98M · 96.8% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 1.49M | 9.05% | 13F | Aug 7, 2026 |
| Dimensional Fund Advisors LP | 945.9K | 5.73% | 13F | Aug 11, 2026 |
| FMR LLC | 915.9K | 5.55% | 13F | Aug 13, 2026 |
| Vanguard Capital Management LLC | 710.8K | 4.31% | 13F | Aug 13, 2026 |
| State Street Corp | 565.9K | 3.43% | 13F | Aug 7, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 9, 2026 | Laura L. Ekizian | officer: President & CEO, QCBT | −750 | $94.96 |
| Jun 2, 2026 | Amy L. Reasner | director | +60 | $90.25 |
| May 12, 2025 | James D. Klein | officer: President, CRBT | −428 | $60.74 |
| Apr 30, 2026 | James D. Klein | officer: President, CRBT | −310 | $91.00 |
| Apr 23, 2026 | Amy L. Reasner | director | +100 | $88.35 |
Peers
- U.S. Bancorp
Large multi-market bank rival across deposits, lending, and treasury
- Commerce Bancshares
Missouri-centered regional bank across commercial, retail, and wealth
- Great Southern Bancorp
Springfield-based community-bank rival with Missouri and Iowa overlap
- First Busey
Illinois and Missouri community-bank peer with wealth depth
- UMB Financial
Larger Missouri regional bank with added Iowa and Illinois footprint
- Wells Fargo
National bank alternative in deposits, mortgages, and commercial banking
- West Bancorporation
Des Moines community-bank peer focused on lending, deposits, and trust
- Nicolet Bankshares
Upper Midwest community-bank peer with acquired Iowa footprint
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| QCR | $100.63 | −0.11% | $1.66B | 11.9 | 11.8 | 2.7 | +19.0% |
| U.S. Bancorp | $62.47 | +0.01% | $97.31B | 12.5 | 11.5 | 2.2 | +10.6% |
| Commerce Bancshares | $58.04 | +0.02% | $8.46B | 14.1 | 13.1 | 3.9 | +11.9% |
| Great Southern Bancorp | $78.87 | +0.06% | $859.1M | 13.1 | 14.3 | 2.7 | −3.9% |
| First Busey | $30.29 | 0.00% | $2.56B | 10.9 | 11.4 | 2.7 | −1.9% |
| UMB Financial | $144.59 | +0.07% | $10.98B | 12.0 | 11.0 | 2.4 | +22.9% |
| Wells Fargo | $86.69 | +0.01% | $262.12B | 12.5 | 11.6 | 2.0 | +8.6% |
| West Bancorporation | $28.48 | 0.00% | $485.4M | 12.7 | 10.6 | 2.4 | +19.3% |
| Nicolet Bankshares | $171.74 | −0.02% | $2.97B | 19.1 | 13.3 | 5.7 | +227.9% |
| Median | 12.6 | 11.5 | 2.6 | +11.2% |