QCR Holdings Inc (QCRH)vsWells Fargo & Company (WFC)
QCRH
QCR Holdings Inc
$103.35
-0.22%
FINANCIAL SERVICES · Cap: $1.69B
WFC
Wells Fargo & Company
$85.79
-0.05%
FINANCIAL SERVICES · Cap: $250.35B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 21957% more annual revenue ($83.11B vs $376.81M). QCRH leads profitability with a 37.6% profit margin vs 27.6%. QCRH appears more attractively valued with a PEG of 1.02. WFC earns a higher WallStSmart Score of 74/100 (B).
QCRH
Buy61
out of 100
Grade: C+
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 43.7%
Attractively priced relative to earnings
Mega-cap, among the largest globally
Attractively priced relative to earnings
Strong operational efficiency at 34.2%
Keeps 28 of every $100 in revenue as profit
Reasonable price relative to book value
Generating 8.9B in free cash flow
Areas to Watch
2.3% earnings growth
Smaller company, higher risk/reward
Revenue declined 2.5%
Distress zone — elevated risk
0.4% 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 37.6% and operating margin at 43.7%. PEG of 1.02 suggests the stock is reasonably priced for its growth.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, P/E Ratio, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 34.2%. PEG of 1.30 suggests the stock is reasonably priced for its growth.
Bear Case : QCRH
The primary concerns for QCRH are EPS Growth, Market Cap, Revenue Growth.
Bear Case : WFC
The primary concerns for WFC are Revenue Growth, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
QCRH profiles as a declining stock while WFC is a value play — different risk/reward profiles.
WFC carries more volatility with a beta of 0.95 — expect wider price swings.
WFC is growing revenue faster at 0.4% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WFC scores higher overall (74/100 vs 61/100), backed by strong 27.6% margins. Both earn "Strong Buy" and "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 →Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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