QCR Holdings Inc (QCRH)vsU.S. Bancorp (USB)
QCRH
QCR Holdings Inc
$95.01
+0.61%
FINANCIAL SERVICES · Cap: $1.59B
USB
U.S. Bancorp
$55.69
+0.93%
FINANCIAL SERVICES · Cap: $90.02B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 7166% more annual revenue ($26.65B vs $366.75M). QCRH leads profitability with a 36.7% profit margin vs 29.3%. QCRH appears more attractively valued with a PEG of 1.02. QCRH earns a higher WallStSmart Score of 77/100 (B+).
QCRH
Strong Buy77
out of 100
Grade: B+
USB
Strong Buy69
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 43.7%
Attractively priced relative to earnings
Revenue surging 21.1% year-over-year
Earnings expanding 30.9% YoY
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Generating 1.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : QCRH
The strongest argument for QCRH centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 36.7% and operating margin at 43.7%. Revenue growth of 21.1% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : QCRH
The primary concerns for QCRH are Market Cap, Free Cash Flow, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
QCRH profiles as a growth stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.00 — expect wider price swings.
QCRH is growing revenue faster at 21.1% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
QCRH scores higher overall (77/100 vs 69/100), backed by strong 36.7% margins and 21.1% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
QCR Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
QCR Holdings, Inc., a multi-bank holding company, provides consumer and commercial banking services, trust and asset management services. The company is headquartered in Moline, Illinois.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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