QCR Holdings has been treading water for the past six months, recording a small return of 3.6% while holding steady at $80.72.

Is now the time to buy QCR Holdings, or should you be careful about including it in your portfolio? Get the full stock story straight from our expert analysts, it’s free.

Why Is QCR Holdings Not Exciting?

We don't have much confidence in QCR Holdings. Here are three reasons why QCRH doesn't excite us and a stock we'd rather own.

1. Long-Term Revenue Growth Disappoints

Net interest income and and fee-based revenue are the two pillars supporting bank earnings. The former captures profit from the gap between lending rates and deposit costs, while the latter encompasses charges for banking services, credit products, wealth management, and trading activities.

Regrettably, QCR Holdings’s revenue grew at a tepid 7.5% compounded annual growth rate over the last five years. This was below our standard for the banking sector.

2. Projected Net Interest Income Growth Is Slim

Forecasted net interest income by Wall Street analysts signals a company’s potential. Predictions may not always be accurate, but accelerating growth typically boosts valuation multiples and stock prices while slowing growth does the opposite.

Over the next 12 months, sell-side analysts expect QCR Holdings’s net interest income to drop by 10.8%, a decrease from its 18.8% annualized growth for the past two years. This projection is below its 18.8% annualized growth rate for the past two years.

3. Recent EPS Growth Below Our Standards

While long-term earnings trends give us the big picture, we also track EPS over a shorter period because it can provide insight into an emerging theme or development for the business.

QCR Holdings’s EPS grew at a weak 5.8% compounded annual growth rate over the last two years. On the bright side, this performance was higher than its 3.7% annualized revenue growth and tells us the company became more profitable on a per-share basis as it expanded.

Final Judgment

QCR Holdings’s business quality ultimately falls short of our standards. That said, the stock currently trades at 1.1× forward P/B (or $80.72 per share). This valuation multiple is fair, but we don’t have much faith in the company. We're fairly confident there are better stocks to buy right now. Let us point you toward one of our all-time favorite software stocks.

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