QCRHQCR HOLDINGS INC
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $1.7B
- Employees
- 967
- Net debt / EBITDA
- —
- AI in 10-K
- 1.3
- mentions per 10K words
Takeover score 1 of 13
Fixable underperformance 0 of 7
- TSR below peersNo0 of 5 years3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo331% of net incomeCash flow under 80% of net income
- Dilutive SBCNo1% of revenueOver 10% of revenue
- Payouts exceed cash flowNo0% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo1% of assetsOver 40% of assets
- Shareholder dissentNo95% lowest supportAny vote under 80% support
Buyer economics 1 of 4
- Low revenue per employeeNo$565K · 91st pctBottom quartile of its SIC industry
- Quiet on AINo1.3 per 10K words · 42nd pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$1.7B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$903K netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $301M | $373M | $546M | — | — | |
| Net income | $99M | $99M | $114M | $114M | $127M | 12% |
| Operating cash flow | $88M | $119M | $376M | $445M | $422M | 5.2% |
| Capex | $14M | $33M | $15M | $44M | $67M | 52% |
| Stock-based comp | $2M | $2M | $3M | $3M | $3M | 14% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $14K · 2
- Open-market sells, 12 mo
- $918K · 4
- Net
- −$903K
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | — | — | 215 | 196 |
| FY2024 | — | — | 207 | 148 |
| FY2023 | — | — | 150 | 108 |
| FY2022 | — | — | 127 | 109 |
| FY2021 | — | — | 142 | 138 |