Provides commercial banking services to businesses of all sizes. Offers consumer banking services, including checking and savings accounts. Now — the numbers.
Revenue is spread across several business lines; no single line carries the company.
This is an established company with proven profits.
Average growth of 19% a year over the last 4 years. Every year shown ended in profit.
The market pays 13.3× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 87% of them.
Analysts' average target sits 6% above today's price.
Executives buying with their own money is usually read as confidence in the company’s future.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 21% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 19% a year on average.
It met or beat analyst expectations in 8 of the last 8 quarters — consistency is a promise kept.
Our checks did not surface a specific risk to flag here. That is not the same as there being none.
On our five-subject report card, QCRH sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: QCRH is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.