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QCR Holdings (QCRH): Reviewing Valuation After Strong Q3 Beat and Subsequent Share Price Surge

Simply Wall St·12/09/2025 15:18:04
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QCR Holdings (QCRH) just delivered a standout Q3, with revenue and earnings comfortably ahead of Wall Street estimates. The stock has climbed about 20% since, signaling renewed investor conviction in this regional bank.

See our latest analysis for QCR Holdings.

That upbeat Q3 has capped a strong run, with a 1 month share price return of 13.44% and year to date share price gains contributing to a 3 year total shareholder return of 78.21%, suggesting momentum is building rather than fading.

If QCR Holdings has you rethinking where the next leg of growth might come from, it could be worth exploring fast growing stocks with high insider ownership as potential next candidates for your watchlist.

With QCR Holdings now trading close to analyst targets but still showing a sizeable intrinsic discount, the key question is whether the recent surge leaves meaningful upside or if the market is already pricing in future growth.

Most Popular Narrative Narrative: 3.1% Undervalued

With QCR Holdings last closing at $86.50 against a narrative fair value of $89.30, the story leans modestly positive and hinges on a few powerful growth drivers.

Strong demand for affordable housing and recent legislative increases in LIHTC allocations are expected to drive robust, sustainable loan production and capital markets revenue through QCR's LIHTC lending platform, directly boosting noninterest income and revenue growth through 2026 and beyond.

Read the complete narrative.

Curious how a regional bank narrative leans on digital transformation, fee rich platforms, and a richer earnings multiple to justify today’s upside potential? The numbers behind that outlook might surprise you.

Result: Fair Value of $89.30 (UNDERVALUED)

Have a read of the narrative in full and understand what's behind the forecasts.

However, execution missteps in QCR’s digital transformation, or policy shifts that slow LIHTC activity, could quickly undercut the growth narrative investors are buying.

Find out about the key risks to this QCR Holdings narrative.

Build Your Own QCR Holdings Narrative

If this view does not quite fit your own, or you prefer to dig into the numbers yourself, you can build a custom narrative in just a few minutes: Do it your way.

A good starting point is our analysis highlighting 3 key rewards investors are optimistic about regarding QCR Holdings.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.