All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2022-03-01.
From the record
QCR Holdings, Inc.'s filings since 2017 show 1 warning event: a late-report notice (Form NT 10-K or NT 10-Q, the latest 2022-03-01) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+18.5% a year over 10 filed years; profitable in 10 of 10.
From the record
QCR Holdings, Inc.'s 10 filed years say what it did: revenue went from $106 million in fiscal 2016 to $489 million in fiscal 2025, up 18.5% a year; it rose in 8 of 9 years; the deepest fall was 8% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 0.2% a year. 0% of cash flow returned. Insiders: 4 sales, 2 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, QCR Holdings, Inc.'s diluted share count grew about 0.2% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 4 sales and 2 purchases of their own stock on the open market in the year to 2026-09-30, buying about $14 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 11%: 11¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, QCR Holdings, Inc. earned about 11 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count grew 0.1% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 36% of 155 in its family; net margin 26%.
From the record
QCR Holdings, Inc.'s standing among 155 graded names in its industry family: revenue of $489 million in fiscal 2025 ranks in the top 38% by size; a net margin of 26% ranks in the top 28%; revenue growth of 18.7% a year over the last 3 filed years ranks in the top 41% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 30% of 150 in its family for leadership.
From the record
QCR Holdings, Inc.'s leadership, from its insiders' filings and its current reports: no one files under a chief executive's title, so that part is not read; the 19 officers and directors filing in the last fifteen months have been on the record a median of 4.6 years (bottom 12%); 6 officer or director changes were reported on Form 8-K since 2023-11-13, against the 19 people in charge now (bottom 49%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
SI estimate 9.6/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: QCR Holdings, Inc.'s room to expand is put at 9.6 of 10 with a confidence of 35 of 100, because read from one part only, cash from operations less capital spending against revenue, which ranks in the top 4% of 162 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.
What could actually drive growth from here?
bottom 42% of 152 in its family for growth drivers.
From the record
QCR Holdings, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 18.7% a year over the last three filed years against 18.5% over all 10, speeding up (bottom 27% of its family); the newest year grew 1.6% (bottom 30%); capital spending grew 26.6% a year (top 29%) (its annual reports). QCR Holdings, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 48% of 150 in its family for expectations against reality.
From the record
QCR Holdings, Inc.'s newest year against its own record: revenue of $489 million in fiscal 2025 came in 20.8% below the $618 million its prior three years' pace pointed to (bottom 24% of its family); net income of $127 million against a prior three-year average of $109 million (top 42%); a net margin of 26% against 28.3% before (top 38%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made