QCR Holdings (QCRH) recently reported record first quarter net income and 31% EPS growth, supported by healthy loan and deposit growth, lower noninterest expenses, and ongoing digital investments, even as revenue slightly missed forecasts.

The recent quarterly update appears to have reinforced confidence in QCR Holdings, with a 30 day share price return of 4.12% and an 18.57% year to date share price return. This feeds into a strong 1 year total shareholder return of 35.53% and a 3 year total shareholder return of 132.38%, pointing to momentum that has been building rather than fading around the stock’s execution story and risk profile.

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After QCR Holdings’ strong share price run, record quarterly net income and sizeable intrinsic value gap, the key issue now is whether most of the upside is already reflected or if the valuation still leaves meaningful room ahead.

Most Popular Narrative: 4% Undervalued

QCR Holdings is trading at $97.39 against a widely followed fair value narrative of $101.40, which hinges on moderate growth, steady profitability and disciplined capital returns.

Analysts expect earnings to reach $140.1 million (and earnings per share of $9.09) by about June 2029, up from $134.8 million today. The analysts are largely in agreement about this estimate.

Want to see what really sits behind that earnings path for QCR Holdings? The narrative is based on specific revenue assumptions, margin shifts and a shrinking share count. Curious which piece has the greatest impact on reaching that fair value?

Result: Fair Value of $101.40 (UNDERVALUED)

However, QCR Holdings still faces meaningful execution risk around its digital transformation and exposure to LIHTC and commercial real estate lending, which could challenge this fair value narrative.

Next Steps

The balance of this QCR Holdings story may look positive so far, but now is the time to review the data and form your own judgment with 2 key rewards.

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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.