What is Qcr Holdings Inc worth?
With the base-case assumptions below, a discounted cash flow model on Qcr Holdings Inc's reported free cash flow gives $694.31 per share. The share price was $100.92 on September 25, 2026, 85% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 10.0% | 10.0% | $423.84 | +320% |
| Base | 15.0% | 9.0% | $694.31 | +588% |
| Bull | 20.0% | 8.0% | $1,197.94 | +1,087% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $899.09 | $962.94 | $1,040.98 | $1,138.53 | $1,263.95 |
| 8.0% | $745.26 | $786.66 | $835.60 | $894.32 | $966.09 |
| 9.0% | $633.33 | $661.64 | $694.31 | $732.42 | $777.46 |
| 10.0% | $548.47 | $568.60 | $591.42 | $617.49 | $647.58 |
| 11.0% | $482.06 | $496.82 | $513.32 | $531.87 | $552.91 |
Where the presets come from
Base: years 1 to 5 grow at Qcr Holdings Inc's revenue growth rate over the last 5 fiscal years (19.5% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions