$100.95

+1.69 (+1.70%)

Weekly Expected Move ±2.0%

$97 $99 $101 $103 $105

NASDAQ · Financial Services · Banks - Regional · Tech Score Sell · Power 54 · $1.7B mcap · 16M float · 0.752% daily turnover · Short 61% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

51.8 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 9.9% · 5Y Avg: 10.7%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. QCRH shows a Weak competitive edge (51.8/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 9.9% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$105

Low

$113

Avg Target

$123

High

Based on 3 analysts since Jul 22, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 7Hold: 1Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$112.67

Analysts3

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-10-01	Raymond James	Nicholas Holowko	$99	$110	+11	+13.2%	$97.20
2026-07-27	D.A. Davidson	Jeff Rulis	$83	$105	+22	+3.7%	$101.23
2026-07-27	Piper Sandler	Nathan Race	$107	$123	+16	+22.8%	$100.15
2026-04-27	Raymond James	Daniel Tamayo	$103	$99	-4	+8.6%	$91.20
2026-04-27	Piper Sandler	Nathan Race	$108	$107	-1	+21.1%	$88.39
2026-01-30	Raymond James	Daniel Cardenas	$88	$103	+15	+14.1%	$90.26
2026-01-30	Piper Sandler	—	$97	$108	+11	+19.0%	$90.77
2025-10-27	Raymond James	—	$78	$88	+10	+14.7%	$76.69
2025-10-27	Piper Sandler	—	Initiated	$97	—	+26.2%	$76.89
2025-10-09	D.A. Davidson	—	Initiated	$83	—	+10.9%	$74.87
2025-04-24	Raymond James	Daniel Tamayo	$64	$78	+14	+19.8%	$65.12
2022-05-02	Raymond James	—	Initiated	$64	—	+17.9%	$54.29

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

A-

Oct 02, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. QCRH receives an overall rating of A-. Strongest factors: DCF (5/5), ROE (4/5), ROA (5/5). Areas of concern: D/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-10-01	B+	A-
2026-08-31	A-	B+
2026-04-28	A	A-
2026-04-22	A-	A
2026-04-22	A	A-
2026-04-01	B+	A
2026-02-23	A-	B+
2026-01-20	A	A-
2026-01-03	A-	A

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 69 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. QCRH scores highest in Cash Flow (99/100) and lowest in Balance Sheet (41/100). An overall grade of A+ places QCRH among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.60

Grey Zone

Piotroski F-Score

9/9

✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓

Beneish M-Score

-1.72

Possible Manipulator

Ohlson O-Score

-5.66

Bankruptcy prob: 0.3%

Low Risk

Credit Rating

Score: 86.0/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 6.05x

Accruals: -7.6%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. QCRH scores 2.60, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. QCRH scores 9/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. QCRH's score of -1.72 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. QCRH's implied 0.3% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. QCRH receives an estimated rating of AA (score: 86.0/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). QCRH's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

11.88x

PEG

0.44x

P/S

2.69x

P/B

1.45x

P/FCF

2.02x

P/OCF

1.87x

EV/EBITDA

11.50x

EV/Revenue

3.06x

EV/EBIT

12.19x

EV/FCF

2.39x

Earnings Yield

8.85%

FCF Yield

49.38%

Shareholder Yield

3.76%

Graham Number

$116.23

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 11.9x earnings, QCRH trades at a reasonable valuation. An earnings yield of 8.8% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $116.23 per share, suggesting a potential 15% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.919

NI / EBT

Interest Burden

0.993

EBT / EBIT

EBIT Margin

0.251

EBIT / Rev

Asset Turnover

0.066

Rev / Assets

Equity Multiplier

8.527

Assets / Equity

ROE

12.9%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. QCRH's ROE of 12.9% is driven by financial leverage (equity multiplier: 8.53x). Note: high leverage means ROE is amplified by debt rather than operational performance. A tax burden ratio of 0.92 indicates minimal tax leakage — the company retains over 90% of pre-tax earnings.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

7.71%

Fair P/E

23.92x

Intrinsic Value

$206.01

Price/Value

0.47x

Margin of Safety

52.74%

Premium

-52.74%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with QCRH's realized 7.7% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. QCRH trades at a -53% premium to its adjusted intrinsic value of $206.01, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 23.9x compares to the current market P/E of 11.9x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$100.95

Median 1Y

$109.77

5th Pctile

$61.21

95th Pctile

$198.24

Ann. Volatility

36.2%

Analyst Target

$112.67

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Todd A. Gipple, President and CEO	$430,760	$490,389	$1,713,726
Larry J. Helling, former CEO of QCR Holdings & Cedar Rapids Bank	$255,389	$273,146	$1,419,359
Reba K. Winter, EVP and Chief Operating Officer	$335,000	$117,267	$702,517
Laura L. Ekizian, President and CEO of Quad City Bank	$265,015	$52,964	$560,910
Monte C. McNew, CEO of Guaranty Bank	$282,808	$53,579	$526,775
Nick W. Anderson, SVP and CFO	$195,848	$38,914	$359,988

CEO Pay Ratio

12:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,713,726

Avg Employee Cost (SGA/emp): $145,371

Employees: 967

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

967

+2.8% YoY

Revenue / Employee

$617,114

Rev: $596,749,000

Profit / Employee

$131,535

NI: $127,194,000

SGA / Employee

$145,371

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	14.8%	15.6%	16.4%	14.2%	13.7%	13.7%	14.0%	14.8%	14.3%	13.7%	13.2%	12.9%	12.9%	12.1%	11.7%	11.4%	11.8%	12.1%	12.6%	12.9%	12.91%
ROA	1.5%	1.7%	1.8%	1.5%	1.4%	1.4%	1.4%	1.5%	1.4%	1.4%	1.4%	1.3%	1.3%	1.3%	1.3%	1.2%	1.3%	1.4%	1.4%	1.5%	1.51%
ROIC	24.5%	24.9%	15.9%	12.1%	9.8%	8.8%	17.1%	16.9%	10.2%	10.3%	11.9%	9.3%	10.7%	10.9%	10.4%	8.9%	8.9%	8.2%	9.2%	9.9%	9.93%
ROCE	9.7%	10.4%	9.4%	7.4%	6.5%	6.2%	7.7%	8.2%	6.2%	6.3%	7.0%	5.9%	6.0%	6.2%	6.7%	6.2%	1.4%	1.4%	1.5%	1.6%	1.64%
Gross Margin	93.6%	96.9%	96.3%	77.4%	81.2%	74.6%	65.5%	62.0%	56.8%	60.3%	54.5%	53.5%	53.8%	56.4%	53.6%	55.6%	59.5%	61.1%	61.5%	61.6%	61.57%
Operating Margin	46.6%	45.2%	39.8%	18.9%	34.6%	32.4%	25.6%	25.2%	20.4%	23.7%	19.9%	21.3%	19.9%	22.2%	19.9%	21.8%	25.5%	23.3%	25.0%	27.0%	26.95%
Net Margin	37.2%	36.7%	36.2%	17.2%	29.7%	27.3%	23.2%	22.1%	19.0%	20.8%	19.1%	19.6%	18.5%	20.2%	19.6%	20.7%	23.0%	21.5%	23.3%	24.1%	24.09%
EBITDA Margin	48.8%	47.7%	42.5%	22.4%	37.6%	34.9%	28.0%	27.4%	22.5%	25.7%	22.0%	23.3%	21.5%	24.2%	22.1%	24.0%	27.4%	25.3%	27.0%	27.0%	26.95%
FCF Margin	12.3%	25.1%	23.5%	24.3%	20.7%	23.4%	24.4%	24.4%	23.1%	67.5%	59.4%	54.0%	87.3%	68.1%	68.5%	70.9%	35.6%	59.3%	59.0%	1.3%	1.28%
OCF Margin	15.6%	29.9%	28.9%	34.9%	30.8%	32.5%	32.0%	27.5%	25.9%	70.3%	64.0%	59.6%	93.6%	75.6%	75.7%	79.6%	45.4%	70.6%	70.6%	1.4%	1.39%
ROE 3Y Avg	snapshot only																				11.75%
ROE 5Y Avg	snapshot only																				12.49%
ROA 3Y Avg	snapshot only																				1.33%
ROIC 3Y Avg	snapshot only																				9.10%
ROIC Economic	snapshot only																				9.29%
Cash ROA	snapshot only																				9.02%
Cash ROIC	snapshot only																				59.61%
CROIC	snapshot only																				55.02%
NOPAT Margin	snapshot only																				23.10%
Pretax Margin	snapshot only																				24.96%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				21.25%
SBC / Revenue	snapshot only																				0.38%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	8.90	8.83	8.46	9.59	9.05	8.45	7.18	5.90	7.27	8.62	9.03	8.88	10.76	12.03	10.73	10.23	10.51	10.97	10.56	11.30	11.876
P/S Ratio	2.65	2.96	3.04	2.99	2.64	2.29	1.77	1.49	1.65	1.83	1.83	1.75	2.10	2.33	2.09	2.02	2.21	2.34	2.34	2.59	2.693
P/B Ratio	1.24	1.29	1.32	1.26	1.17	1.08	0.92	0.83	0.98	1.10	1.13	1.08	1.28	1.37	1.18	1.10	1.18	1.25	1.27	1.40	1.448
P/FCF	21.53	11.76	12.92	12.31	12.79	9.80	7.22	6.13	7.17	2.71	3.08	3.23	2.41	3.42	3.05	2.85	6.19	3.94	3.96	2.02	2.025
P/OCF	17.02	9.90	10.52	8.57	8.56	7.05	5.52	5.45	6.37	2.60	2.86	2.93	2.24	3.08	2.76	2.54	4.86	3.31	3.31	1.87	1.869
EV/EBITDA	4.41	4.60	6.55	8.05	9.14	9.63	4.15	3.78	7.86	8.64	7.82	9.59	9.90	10.62	9.63	10.50	10.98	12.35	11.16	11.50	11.501
EV/Revenue	1.72	2.01	3.00	3.20	3.36	3.27	1.28	1.19	2.19	2.23	1.91	2.25	2.30	2.42	2.20	2.41	2.69	3.07	2.89	3.06	3.064
EV/EBIT	4.71	4.88	6.93	8.65	9.93	10.52	4.56	4.09	8.55	9.43	8.56	10.52	10.80	11.59	10.53	11.48	11.99	13.47	12.09	12.19	12.188
EV/FCF	13.96	7.99	12.75	13.15	16.25	13.98	5.25	4.89	9.51	3.31	3.21	4.17	2.63	3.55	3.20	3.39	7.56	5.17	4.91	2.39	2.392
Earnings Yield	11.2%	11.3%	11.8%	10.4%	11.1%	11.8%	13.9%	16.9%	13.8%	11.6%	11.1%	11.3%	9.3%	8.3%	9.3%	9.8%	9.5%	9.1%	9.5%	8.8%	8.85%
FCF Yield	4.6%	8.5%	7.7%	8.1%	7.8%	10.2%	13.8%	16.3%	14.0%	36.9%	32.5%	30.9%	41.6%	29.2%	32.8%	35.1%	16.2%	25.4%	25.2%	49.4%	49.38%
PEG Ratio	snapshot only																				0.439
Price/Tangible Book	snapshot only																				1.599
EV/OCF	snapshot only																				2.208
EV/Gross Profit	snapshot only																				5.032
Acquirers Multiple	snapshot only																				12.188
Shareholder Yield	snapshot only																				3.76%
Graham Number	snapshot only																				$116.23

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.11	0.10	0.10	0.10	0.08	0.08	0.10	0.09	0.07	0.08	0.07	0.07	0.08	0.08	0.05	0.04	27.22	28.87	4.72	12.50	12.501
Quick Ratio	0.11	0.10	0.10	0.10	0.08	0.08	0.10	0.09	0.07	0.08	0.07	0.07	0.08	0.08	0.05	0.04	27.22	28.87	4.72	12.50	12.501
Debt/Equity	0.28	0.25	0.66	0.78	0.95	1.07	0.52	0.51	0.86	0.81	0.54	0.82	0.67	0.57	0.42	0.48	0.52	0.56	0.37	0.35	0.350
Net Debt/Equity	-0.43	-0.41	-0.02	0.09	0.32	0.46	-0.25	-0.17	0.32	0.24	0.05	0.31	0.12	0.05	0.06	0.21	0.26	0.39	0.30	0.25	0.253
Debt/Assets	0.03	0.03	0.07	0.08	0.09	0.10	0.05	0.05	0.08	0.08	0.06	0.09	0.07	0.06	0.05	0.06	0.06	0.06	0.04	0.04	0.042
Debt/EBITDA	1.56	1.33	3.32	4.69	5.86	6.66	3.23	2.90	5.19	5.18	3.59	5.66	4.75	4.24	3.26	3.89	3.95	4.17	2.65	2.44	2.440
Net Debt/EBITDA	-2.39	-2.17	-0.09	0.52	1.94	2.88	-1.56	-0.96	1.94	1.56	0.33	2.15	0.84	0.38	0.45	1.68	1.99	2.93	2.14	1.76	1.765
Interest Coverage	4.90	5.54	5.81	4.61	2.89	1.85	1.26	1.03	0.77	0.66	0.58	0.53	0.51	0.49	0.49	0.50	0.55	0.58	0.63	0.69	0.691
Equity Multiplier	9.26	9.00	9.25	9.95	10.49	10.29	10.03	10.00	10.31	9.63	9.48	9.48	9.31	9.05	8.95	8.80	8.80	8.61	8.56	8.28	8.281
Cash Ratio	snapshot only																				12.501
Debt Service Coverage	snapshot only																				0.732
Cash to Debt	snapshot only																				0.277
FCF to Debt	snapshot only																				1.970
Defensive Interval	snapshot only																				233.0 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.07	0.07	0.07	0.07	0.07	0.06	0.06	0.06	0.06	0.07	0.066
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	4.91	5.48	5.62	6.49	7.78	9.81	10.75	12.70	14.70	17.54	18.16	20.32	22.99	25.19	27.91	30.46	39.79	24.21	0.17	29.23	29.226
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	74	67	65	56	47	37	34	29	25	21	20	18	16	14	13	12	9	15	2164	12	12.5 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	74	67	65	56	47	37	34	29	25	21	20	18	16	14	13	12	9	15	2164	12	—
Cash Velocity	snapshot only																				5.559
Capital Intensity	snapshot only																				15.382

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	2.0%	-4.1%	-7.7%	2.2%	7.8%	23.8%	43.6%	46.5%	50.7%	46.5%	33.9%	26.5%	21.4%	9.7%	3.6%	-1.4%	-2.7%	1.5%	5.1%	8.5%	8.48%
Net Income	54.9%	63.3%	55.3%	28.3%	5.5%	0.2%	-1.9%	18.8%	17.3%	14.6%	10.3%	-1.7%	4.4%	0.3%	-0.2%	-0.9%	4.5%	11.7%	19.4%	25.9%	25.87%
EPS	55.4%	64.6%	57.0%	17.3%	-2.1%	-6.9%	-8.2%	24.1%	19.1%	15.8%	10.5%	-2.3%	3.5%	-0.6%	-0.8%	-1.4%	4.9%	13.5%	22.0%	29.8%	29.81%
FCF	-75.8%	-31.2%	-38.6%	-22.8%	80.5%	15.1%	49.1%	46.8%	68.2%	3.2%	2.3%	1.8%	3.6%	10.7%	19.5%	29.6%	-60.3%	-11.5%	-9.5%	95.8%	95.83%
EBITDA	45.6%	59.5%	49.5%	24.4%	1.5%	-3.7%	-3.2%	16.4%	14.6%	11.5%	5.7%	-5.9%	0.8%	-3.2%	-3.3%	-3.7%	2.9%	10.8%	19.6%	26.0%	26.00%
Op. Income	50.3%	65.7%	54.1%	25.1%	-0.3%	-6.5%	-6.6%	15.3%	14.4%	11.5%	6.0%	-7.0%	0.5%	-3.2%	-3.0%	-3.4%	2.9%	10.9%	20.6%	30.0%	30.00%
OCF Growth	snapshot only																				89.10%
Asset Growth	snapshot only																				3.01%
Equity Growth	snapshot only																				9.44%
Debt Growth	snapshot only																				-21.02%
Shares Change	snapshot only																				-3.04%
Dividend Growth	snapshot only																				20.23%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	14.8%	10.3%	7.1%	6.6%	5.7%	9.5%	14.4%	17.1%	18.3%	20.3%	21.1%	23.7%	25.4%	25.8%	25.8%	22.3%	21.2%	17.7%	13.4%	10.6%	10.62%
Revenue 5Y	19.9%	17.1%	15.3%	15.6%	16.2%	17.6%	19.4%	20.2%	19.7%	19.5%	18.8%	17.6%	16.7%	16.1%	15.8%	14.9%	14.4%	14.2%	14.1%	15.2%	15.17%
EPS 3Y	31.6%	32.0%	32.2%	22.2%	17.5%	17.5%	20.3%	25.1%	21.9%	21.1%	16.8%	12.4%	6.5%	2.3%	0.2%	6.1%	9.0%	9.3%	10.2%	7.7%	7.71%
EPS 5Y	23.8%	24.6%	23.9%	18.2%	17.0%	18.2%	18.3%	20.4%	21.6%	19.9%	18.6%	17.2%	14.9%	13.3%	13.8%	13.5%	14.5%	14.9%	14.0%	12.7%	12.72%
Net Income 3Y	31.4%	31.9%	32.0%	26.1%	20.2%	19.9%	22.6%	27.4%	24.2%	23.3%	18.9%	14.4%	8.9%	4.8%	2.6%	5.0%	8.6%	8.7%	9.5%	7.0%	7.04%
Net Income 5Y	28.3%	29.0%	27.9%	24.5%	22.6%	22.6%	22.6%	24.5%	23.0%	21.4%	20.0%	18.6%	16.3%	14.7%	15.2%	15.1%	15.9%	16.0%	14.9%	13.3%	13.33%
EBITDA 3Y	34.0%	30.3%	30.1%	23.9%	17.5%	16.0%	18.1%	22.6%	19.2%	19.6%	15.2%	10.9%	5.5%	1.3%	-0.3%	1.8%	6.0%	6.1%	7.0%	4.5%	4.53%
EBITDA 5Y	25.6%	26.1%	24.8%	21.5%	19.6%	22.2%	22.5%	24.7%	22.8%	18.9%	17.7%	15.8%	13.4%	11.0%	11.0%	10.8%	11.9%	12.9%	12.1%	10.6%	10.58%
Gross Profit 3Y	20.2%	17.3%	16.2%	14.1%	10.8%	11.9%	14.0%	16.1%	14.8%	14.0%	11.6%	9.6%	7.6%	5.9%	4.6%	3.5%	5.0%	5.2%	5.3%	5.5%	5.52%
Gross Profit 5Y	20.6%	18.6%	17.6%	17.1%	17.0%	17.1%	17.2%	17.1%	15.6%	14.4%	13.2%	11.4%	9.8%	8.7%	8.6%	8.8%	9.4%	9.3%	9.0%	8.7%	8.74%
Op. Income 3Y	36.7%	32.6%	32.7%	25.7%	18.4%	16.4%	18.4%	23.5%	19.7%	20.0%	15.1%	10.3%	4.7%	0.3%	-1.4%	1.2%	5.8%	6.2%	7.4%	5.3%	5.32%
Op. Income 5Y	26.4%	27.1%	25.9%	22.2%	20.1%	22.8%	23.1%	25.6%	23.9%	19.4%	18.2%	16.3%	13.8%	11.2%	11.3%	11.1%	12.2%	13.1%	12.3%	11.0%	11.01%
FCF 3Y	2.5%	12.0%	10.8%	15.4%	3.7%	10.1%	16.1%	12.5%	-9.7%	49.6%	43.9%	47.0%	1.4%	75.3%	79.7%	74.7%	45.3%	60.6%	52.1%	92.3%	92.29%
FCF 5Y	5.3%	14.7%	9.6%	12.6%	11.8%	25.0%	31.7%	23.9%	26.8%	46.9%	45.9%	44.6%	53.8%	44.2%	43.5%	38.9%	6.1%	26.8%	26.3%	51.8%	51.78%
OCF 3Y	2.8%	11.1%	8.9%	19.3%	11.0%	15.8%	21.5%	13.2%	-7.3%	49.7%	45.2%	48.4%	1.3%	71.4%	73.4%	60.9%	37.9%	52.6%	47.6%	89.8%	89.84%
OCF 5Y	7.6%	15.3%	11.3%	18.1%	17.6%	28.6%	34.1%	23.2%	24.0%	42.4%	40.6%	40.0%	50.0%	42.2%	42.5%	39.3%	10.5%	30.3%	29.8%	52.1%	52.06%
Assets 3Y	7.9%	7.2%	6.8%	12.5%	13.5%	17.4%	15.4%	13.6%	13.3%	14.4%	15.1%	15.2%	14.8%	14.0%	14.0%	7.7%	7.4%	6.4%	6.2%	5.0%	4.99%
Assets 5Y	12.9%	13.0%	12.8%	16.4%	16.8%	14.8%	14.8%	14.9%	12.2%	11.5%	11.2%	11.3%	11.4%	13.0%	11.8%	10.5%	10.3%	10.9%	11.2%	10.4%	10.40%
Equity 3Y	12.4%	12.7%	11.0%	13.8%	12.4%	13.0%	14.1%	14.0%	13.1%	14.3%	14.2%	14.1%	14.5%	13.8%	15.3%	12.2%	13.8%	12.9%	11.9%	11.8%	11.80%
Book Value 3Y	12.5%	12.8%	11.2%	10.2%	9.8%	10.7%	12.0%	11.9%	11.0%	12.2%	12.2%	12.1%	12.0%	11.1%	12.6%	13.4%	14.3%	13.6%	12.5%	12.5%	12.50%
Dividend 3Y	0.3%	0.3%	0.2%	-3.3%	-1.5%	-0.7%	0.2%	0.9%	-0.5%	-1.1%	-1.8%	-2.3%	5.2%	-2.4%	-2.2%	1.3%	-15.1%	0.8%	0.7%	5.9%	5.90%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.93	0.90	0.86	0.91	0.87	0.90	0.86	0.87	0.82	0.80	0.80	0.81	0.79	0.83	0.86	0.87	0.86	0.90	0.93	0.92	0.923
Earnings Stability	0.90	0.88	0.88	0.94	0.93	0.91	0.92	0.97	0.96	0.93	0.92	0.95	0.94	0.87	0.83	0.83	0.89	0.83	0.82	0.84	0.836
Margin Stability	0.91	0.90	0.89	0.90	0.91	0.91	0.89	0.90	0.87	0.85	0.83	0.83	0.81	0.79	0.78	0.79	0.81	0.83	0.85	0.83	0.830
Rev. Growth Consistency	1.00	0.00	0.00	1.00	1.00	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	1.00	1.00	0.50	0.500
Earn. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	0.00	1.00	1.00	1.00	0.50	0.00	1.00	1.00	0.00	0.00	1.00	1.00	0.50	0.50	0.500
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.50	0.89	0.98	1.00	0.99	0.92	0.93	0.94	0.96	0.99	0.98	1.00	1.00	1.00	0.98	0.95	0.92	0.90	0.897
Earnings Smoothness	0.57	0.52	0.57	0.75	0.95	1.00	0.98	0.83	0.84	0.86	0.90	0.98	0.96	1.00	1.00	0.99	0.96	0.89	0.82	0.77	0.771
ROE Trend	0.04	0.04	0.05	0.02	0.01	0.00	-0.01	0.01	0.00	-0.01	-0.02	-0.01	-0.01	-0.01	-0.02	-0.02	-0.01	-0.01	0.00	0.01	0.009
Gross Margin Trend	0.15	0.18	0.20	0.14	0.08	-0.01	-0.10	-0.16	-0.23	-0.25	-0.26	-0.24	-0.20	-0.16	-0.12	-0.08	-0.04	-0.00	0.03	0.05	0.053
FCF Margin Trend	-0.25	-0.04	-0.06	-0.06	-0.11	-0.07	-0.05	-0.04	0.07	0.43	0.35	0.30	0.65	0.23	0.27	0.32	-0.20	-0.08	-0.05	0.66	0.656
Sustainable Growth Rate	14.1%	15.0%	15.8%	13.6%	13.2%	13.1%	13.4%	14.3%	13.7%	13.2%	12.8%	12.5%	12.3%	11.7%	11.3%	10.9%	11.5%	11.7%	12.2%	12.5%	12.48%
Internal Growth Rate	1.5%	1.6%	1.7%	1.4%	1.3%	1.4%	1.4%	1.5%	1.3%	1.3%	1.3%	1.3%	1.3%	1.3%	1.2%	1.2%	1.3%	1.3%	1.4%	1.5%	1.49%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	0.52	0.89	0.80	1.12	1.06	1.20	1.30	1.08	1.14	3.31	3.16	3.03	4.79	3.90	3.88	4.03	2.16	3.31	3.19	6.05	6.047
FCF/OCF	0.79	0.84	0.81	0.70	0.67	0.72	0.76	0.89	0.89	0.96	0.93	0.91	0.93	0.90	0.91	0.89	0.78	0.84	0.84	0.92	0.923
FCF/Net Income	snapshot only																				5.582
OCF/EBITDA	snapshot only																				5.208
CapEx/Revenue	3.3%	4.7%	5.4%	10.6%	10.2%	9.1%	7.6%	3.1%	2.9%	2.8%	4.5%	5.6%	6.3%	7.6%	7.2%	8.6%	9.8%	11.3%	11.6%	10.7%	10.66%
CapEx/Depreciation	snapshot only																				7.103
Accruals Ratio	0.01	0.00	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.03	-0.03	-0.03	-0.05	-0.04	-0.04	-0.04	-0.02	-0.03	-0.03	-0.08	-0.076
Sloan Accruals	snapshot only																				0.758
Cash Flow Adequacy	snapshot only																				12.145
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	0.5%	0.4%	0.4%	0.4%	0.5%	0.5%	0.5%	0.6%	0.5%	0.4%	0.4%	0.4%	0.4%	0.3%	0.3%	0.4%	0.2%	0.3%	0.3%	0.3%	0.41%
Dividend/Share	$0.24	$0.24	$0.24	$0.21	$0.23	$0.23	$0.24	$0.24	$0.24	$0.24	$0.24	$0.24	$0.30	$0.24	$0.24	$0.24	$0.18	$0.24	$0.24	$0.29	$0.41
Payout Ratio	4.2%	3.8%	3.6%	3.9%	4.1%	4.0%	3.9%	3.5%	3.6%	3.5%	3.6%	3.5%	4.3%	3.5%	3.6%	3.6%	2.5%	3.2%	3.0%	3.3%	3.32%
FCF Payout Ratio	10.2%	5.1%	5.5%	5.0%	5.8%	4.6%	3.9%	3.7%	3.6%	1.1%	1.2%	1.3%	1.0%	1.0%	1.0%	1.0%	1.5%	1.1%	1.1%	0.6%	0.60%
Total Payout Ratio	19.9%	18.2%	21.9%	52.1%	54.4%	57.4%	58.0%	24.3%	15.9%	11.2%	4.4%	3.5%	4.3%	3.5%	4.6%	4.8%	10.8%	21.1%	34.5%	42.5%	42.52%
Div. Increase Streak	1	1	0	0	1	1	0	0	1	1	0	0	1	0	0	0	0	0	1	1	0
Chowder Number	0.01	0.01	0.00	-0.00	0.03	0.04	0.07	0.09	0.05	0.03	0.00	-0.01	0.25	0.00	0.01	0.01	-0.39	0.01	0.01	0.17	0.169
Buyback Yield	1.8%	1.6%	2.2%	5.0%	5.6%	6.3%	7.5%	3.5%	1.7%	0.9%	0.1%	0.0%	0.0%	0.0%	0.1%	0.1%	0.8%	1.6%	3.0%	3.5%	3.47%
Net Buyback Yield	1.7%	1.6%	2.1%	5.0%	5.5%	6.3%	7.5%	3.4%	1.6%	0.7%	-0.1%	-0.1%	-0.1%	-0.1%	-0.0%	-0.1%	0.7%	1.5%	2.8%	3.3%	3.32%
Total Shareholder Return	2.2%	2.0%	2.5%	5.4%	5.9%	6.7%	8.0%	4.0%	2.1%	1.2%	0.3%	0.3%	0.3%	0.2%	0.3%	0.2%	0.9%	1.8%	3.1%	3.6%	3.61%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.82	0.81	0.83	0.84	0.86	0.87	0.87	0.87	0.89	0.90	0.91	0.92	0.92	0.93	0.93	0.94	0.93	0.94	0.93	0.92	0.919
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.99	0.993
EBIT Margin	0.37	0.41	0.43	0.37	0.34	0.31	0.28	0.29	0.26	0.24	0.22	0.21	0.21	0.21	0.21	0.21	0.22	0.23	0.24	0.25	0.251
Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.07	0.07	0.07	0.07	0.07	0.06	0.06	0.06	0.06	0.07	0.066
Equity Multiplier	9.72	9.29	9.26	9.61	9.91	9.69	9.67	9.98	10.39	9.94	9.74	9.72	9.77	9.32	9.20	9.12	9.04	8.82	8.75	8.53	8.527

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$5.68	$6.24	$6.60	$5.55	$5.56	$5.81	$6.06	$6.89	$6.62	$6.73	$6.69	$6.73	$6.86	$6.69	$6.64	$6.63	$7.20	$7.59	$8.09	$8.61	$8.61
Book Value/Share	$40.95	$42.75	$42.13	$42.35	$43.08	$45.33	$47.31	$48.97	$49.17	$52.54	$53.65	$55.37	$57.51	$58.59	$60.11	$61.77	$64.25	$66.38	$67.41	$69.72	$69.72
Tangible Book/Share	$35.66	$37.48	$36.90	$33.46	$34.01	$36.27	$38.19	$39.79	$40.05	$43.48	$44.66	$46.41	$48.66	$49.80	$51.35	$53.05	$55.52	$57.63	$58.63	$60.89	$60.89
Revenue/Share	$19.06	$18.65	$18.33	$17.79	$19.05	$21.45	$24.63	$27.22	$29.15	$31.74	$33.04	$34.21	$35.10	$34.53	$34.03	$33.55	$34.29	$35.61	$36.54	$37.54	$37.54
FCF/Share	$2.35	$4.69	$4.32	$4.33	$3.93	$5.01	$6.02	$6.64	$6.72	$21.41	$19.63	$18.47	$30.66	$23.50	$23.32	$23.80	$12.22	$21.13	$21.55	$48.08	$48.08
OCF/Share	$2.97	$5.57	$5.30	$6.22	$5.88	$6.96	$7.88	$7.47	$7.56	$22.30	$21.13	$20.40	$32.87	$26.11	$25.76	$26.70	$15.57	$25.16	$25.79	$52.08	$52.08
Cash/Share	$29.36	$28.45	$28.64	$29.53	$27.40	$27.45	$36.44	$33.13	$26.47	$29.73	$26.30	$28.18	$31.90	$30.33	$21.75	$16.99	$16.45	$10.95	$4.81	$6.75	$6.75
EBITDA/Share	$7.43	$8.14	$8.41	$7.07	$6.99	$7.28	$7.62	$8.59	$8.14	$8.19	$8.07	$8.03	$8.14	$7.86	$7.76	$7.69	$8.42	$8.84	$9.48	$10.00	$10.00
Debt/Share	$11.56	$10.78	$27.89	$33.17	$41.00	$48.45	$24.58	$24.90	$42.24	$42.47	$28.95	$45.45	$38.72	$33.35	$25.27	$29.95	$33.21	$36.87	$25.12	$24.40	$24.40
Net Debt/Share	$-17.79	$-17.67	$-0.75	$3.64	$13.60	$20.99	$-11.87	$-8.23	$15.77	$12.75	$2.65	$17.28	$6.83	$3.02	$3.52	$12.96	$16.76	$25.92	$20.31	$17.65	$17.65

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.596
Altman Z-Prime	snapshot only																				0.661
Piotroski F-Score	7	6	5	4	3	4	5	7	7	8	6	4	7	5	5	5	8	7	9	9	9
Beneish M-Score	-2.87	-2.81	-2.78	-2.45	-2.55	-2.23	-1.94	-2.29	-2.13	-2.39	-2.58	-2.62	-2.99	-3.01	-3.06	-3.13	-2.92	-1.78	422.27	-1.72	-1.718
Ohlson O-Score	snapshot only																				-5.662
ROIC (Greenblatt)	snapshot only																				1.52%
Net-Net WC	snapshot only																				$-500.88
EVA	snapshot only																				$-1072986.54

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				AA
Credit Score	65.05	80.28	64.66	57.26	53.48	52.63	57.83	60.84	56.84	77.76	78.53	74.47	78.49	83.51	78.29	76.68	77.24	77.40	78.86	85.97	85.970
Credit Grade	snapshot only																				3
Credit Trend	snapshot only																				9.286
Implied Spread (bps)	snapshot only																				80.000
Industry Credit Rank	snapshot only																				89
Sector Credit Rank	snapshot only																				79

QCRH NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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