QCR Holdings, Inc. Financial Ratios — 3PE Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	3.23	6.45	8.18	9.51	9.15	10.82	11.17	10.44	11.38	10.73	15.57	13.67	13.69	12.09	12.06
Return on Assets (%)	0.51	0.62	0.67	0.61	0.66	0.94	0.98	0.97	1.16	1.14	1.68	1.41	1.38	1.3	1.37
Return on Capital (%)	1.42	2.45	3.65	3.56	4.11	5.58	6	6.04	7.11	7.74	12.29	8.57	7.39	7.19	7.68
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	20.4	24.4	23.58	20.5	21.11	29.88	28.47	29.01	33.02	26.63	44.68	37.33	36.89	36.26	37.74
Profit Margin (%)	14.13	17.45	18.01	17.04	17.35	22.61	25	23.99	26.32	22.02	36.38	32.57	33.09	33.67	35.32
Net Income to Common Margin (%)	6.43	12.61	14.19	15.81	17.35	22.61	25	23.99	26.32	22.02	36.38	32.57	33.09	33.67	35.32
Effective Tax Rate (%)	27.63	25.71	23.61	16.89	17.81	24.33	12.17	17.29	20.3	17.34	18.57	12.75	10.32	7.12	6.41
Dvd Payout Ratio (%)	-29.74	5.87	7.6	6.36	4.62	7.16	6.98	7.65	6.56	6.24	3.83	3.98	3.55	3.54	3.19
Sustainable Growth Rate (%)	4.19	6.07	7.55	8.91	8.73	10.04	10.39	9.64	10.64	10.06	14.97	13.12	13.2	11.66	11.67

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	461	247	284	264	189	291	260	341	266	172	167	696	717	568	636
ST Debt	214	- -	- -	- -	- -	40	- -	9	- -	- -	- -	- -	- -	- -	- -
LT Debt	247	247	284	264	189	251	260	332	266	172	167	696	717	568	636
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.24	6.7	6.16	5.71	8.71	8.66	8.87	9.56	10.91	10.41	11.11	9.72	10.38	11.05	11.62
Long-Term Debt/Equity (%)	171.06	175.65	192.5	183.38	83.89	87.74	73.73	70.21	49.6	28.91	24.67	90.11	80.85	56.92	57.17
Long-Term Debt/Capital (%)	40.84	63.72	65.81	64.71	45.62	43.5	42.44	40.79	33.15	22.43	19.79	47.4	44.7	36.27	36.37
Long-Term Debt/Total Assets (%)	12.56	11.78	11.86	10.46	7.31	7.6	6.54	6.71	5.41	3.01	2.74	8.76	8.39	6.29	6.64
Total Debt/Equity (%)	318.91	175.65	192.5	183.38	83.89	101.72	73.73	72.11	49.6	28.91	24.67	90.11	80.85	56.92	57.17
Total Debt/Capital (%)	76.13	63.72	65.81	64.71	45.62	50.43	42.44	41.9	33.15	22.43	19.79	47.4	44.7	36.27	36.37
Total Debt/Total Assets (%)	23.42	11.78	11.86	10.46	7.31	8.81	6.54	6.89	5.41	3.01	2.74	8.76	8.39	6.29	6.64
Net Debt to Equity	263.59	115.89	141.68	132.31	49.34	54.69	36.51	25.89	7.73	4	8.01	73.66	58.06	33.34	38.92
Net Debt/Capital (%)	72.5	53.68	58.62	56.95	33.04	35.35	26.75	20.56	7.18	3.85	7.42	42.42	36.73	25.01	28.02
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.24	6.7	6.16	5.71	8.71	8.66	8.87	9.56	10.91	10.41	11.11	9.72	10.38	11.05	11.62
Long-Term Debt/Equity (%)	171.06	175.65	192.5	183.38	83.89	87.74	73.73	70.21	49.6	28.91	24.67	90.11	80.85	56.92	57.17
Long-Term Debt/Capital (%)	40.84	63.72	65.81	64.71	45.62	43.5	42.44	40.79	33.15	22.43	19.79	47.4	44.7	36.27	36.37
Long-Term Debt/Total Assets (%)	12.56	11.78	11.86	10.46	7.31	7.6	6.54	6.71	5.41	3.01	2.74	8.76	8.39	6.29	6.64
Total Debt/Equity (%)	318.91	175.65	192.5	183.38	83.89	101.72	73.73	72.11	49.6	28.91	24.67	90.11	80.85	56.92	57.17
Total Debt/Capital (%)	76.13	63.72	65.81	64.71	45.62	50.43	42.44	41.9	33.15	22.43	19.79	47.4	44.7	36.27	36.37
Total Debt/Total Assets (%)	23.42	11.78	11.86	10.46	7.31	8.81	6.54	6.89	5.41	3.01	2.74	8.76	8.39	6.29	6.64
CFO/Total Liabilities	2.01	1.57	1.43	1.08	1.27	1.44	0.93	1.44	1.75	2.19	1.63	1.65	4.92	5.54	4.98
CFO/CapEx	11.95	16.38	13.18	12.57	6.85	7.19	5.85	5.61	6.15	26.28	6.31	3.57	25.18	9.99	6.25
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	10.6	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	34.44	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	998	1,371	1,422
- Cash & Cash Equivalents	80	84	75	74	78	135	131	219	224	148	113	127	202	235	203
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	461	247	284	264	189	291	260	341	266	172	167	696	717	568	636
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,214	1,422	1,779
Total Capital	605	387	432	408	415	577	614	814	801	765	844	1,469	1,603	1,565	1,748
Total Debt/Capital (%)	76.13	63.72	65.81	64.71	45.62	50.43	42.44	41.9	33.15	22.43	19.79	47.4	44.7	36.27	36.37
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.59	0.4	0.36
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.54	4.21	4.94
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.22	3.2	4.22
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.36	3.56	5.02
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,005	1,377	1,446
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,220	1,429	1,803
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	72.45	84.25	106.57
TTM Sales	69	72	83	88	98	122	143	180	218	275	272	304	343	338	360
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	37	31	32	26	30	43	34	64	76	112	88	119	376	445	422
TTM Free Cash Flow to Firm	34	29	30	24	26	37	28	53	64	108	74	85	361	400	354

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.78	3.44	4.08
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,214	1,422	1,779
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	36.81	54.39	64.07
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.54	4.21	4.94
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.78	12	11.3
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.96	9.95	9.87
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.84	13.84	11.47
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.42	8.04	8.5
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.13	1.37	1.28
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.89	1.14	1.12
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.13	1.58	1.3
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.7	0.92	0.96
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.36	1.62	1.47
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.08	1.34	1.29
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.37	1.86	1.49
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.84	1.08	1.11
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.91	4.04	3.99
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.3	3.35	3.49
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.92	4.66	4.05
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.79	2.71	3
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.65	3.07	3.41
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.1	2.55	2.98
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.67	3.54	3.46
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.64	2.06	2.57
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.21	2.85	3.57
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.8	3.97	4.14
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.72	2.31	3.07
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.93	3.51	4.44
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.55	4.83	5
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.42	2.87	3.96
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	59.61	81.2	85.18
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	59.98	93.63	86.46
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,007	1,187	1,598
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,220	1,632	1,800
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	832	970	1,426

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	5	5	8	8	12	13	14	16	16	16	16	17	17	17	17
Diluted Weighted Avg Shares	5	5	6	8	10	13	14	15	16	16	16	17	17	17	17
Basic Weighted Avg Shares	5	5	6	8	10	13	13	15	16	16	16	17	17	17	17
Revenue per Share	14.52	14.93	14.99	11.07	9.43	9.74	10.72	12.17	13.87	17.67	17.31	18.23	20.51	20.09	21.34
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.93	1.88	2.13	1.75	1.64	2.2	2.68	2.92	3.65	3.89	6.3	5.94	6.79	6.77	7.54
Basic EPS from Cont Ops	2.14	2.71	2.7	1.89	1.64	2.2	2.68	2.92	3.65	3.89	6.3	5.94	6.79	6.77	7.54
Diluted EPS, GAAP	0.92	1.85	2.08	1.72	1.61	2.17	2.61	2.86	3.6	3.8	6.2	5.87	6.73	6.71	7.49
Diluted EPS from Cont Ops	2.12	2.66	2.65	1.86	1.61	2.17	2.61	2.86	3.6	3.8	6.2	5.87	6.73	6.71	7.49
Dividend per Share	0.79	0.84	0.73	0.25	0.08	0.16	0.19	0.22	0.24	0.24	0.24	0.24	0.24	0.24	0.24
Cash Flow per Share	7.75	6.33	5.79	3.23	2.91	3.45	2.53	4.35	4.86	7.2	5.62	7.12	22.49	26.41	24.98
Free Cash Flow per Basic Share	7.11	5.94	5.35	2.97	2.48	2.97	2.1	3.58	4.07	6.93	4.73	5.12	21.6	23.77	20.98
Cash & Equivalents per Share	135.54	124.86	79.49	66.04	34.14	29.42	29.06	30.52	27.47	32.26	28.86	27.87	29.95	30.58	16.71
Book Value per Share	29.91	28.54	18.71	18.12	19.21	21.82	25.38	30.1	33.82	37.57	43.36	46.01	52.93	59.08	66.64
Tangible Book Value per Share	29.23	27.89	18.07	17.5	18.81	20.26	22.7	24.04	28.15	32.16	38.02	36.82	43.81	50.21	57.86