Demonstrações financeiras detalhadas de QCR Holdings, Inc. (QCRH): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
QCR Holdings, Inc. registou receitas de $596.7M no último exercício, com um CAGR de 5 anos de 14.2%. O lucro líquido atingiu $127.2M, com CAGR de 5 anos de 16.0%.
Margens dos últimos 12 meses: margem bruta 60.9%, margem operacional 25.1%, margem líquida 22.9%. O fluxo de caixa livre cresceu a CAGR de 26.8% em 5 anos.
Ao preço atual de $101.01, QCRH negocia a um P/L de 11.88 e um ROE de 12.70%. A capitalização de mercado é de $1.7B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $134.4M | $162.3M | $220.2M | $278.6M | $306.6M | $293.8M | $365.6M | $535.6M | $587.8M | $596.7M |
| Custo da Receita | $19.4M | $27.9M | $53.1M | $67.6M | $87.1M | $25.4M | $69.7M | $208.9M | $267.2M | $252.3M |
| Lucro Bruto | $115.0M | $134.3M | $167.1M | $211.0M | $219.5M | $268.4M | $295.9M | $326.7M | $320.6M | $344.5M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $51.0M | $61.1M | $76.1M | $99.6M | $103.7M | $109.6M | $126.1M | $149.8M | $142.7M | $140.6M |
| Despesas Operacionais | $78.4M | $93.7M | $114.9M | $139.0M | $146.2M | $146.9M | $182.3M | $200.1M | $198.0M | $208.6M |
| Lucro Operacional | $36.6M | $40.7M | $52.1M | $72.0M | $73.3M | $121.5M | $113.5M | $126.8M | $122.6M | $135.9M |
| EBITDA | $40.5M | $45.6M | $58.3M | $79.5M | $80.8M | $128.9M | $124.1M | $138.3M | $133.8M | $148.2M |
| Despesas com Juros | $12.0M | $19.5M | $40.5M | $60.5M | $31.4M | $21.9M | $61.5M | $192.4M | $250.1M | $234.2M |
| Lucro Antes de Impostos | $36.6M | $40.7M | $52.1M | $72.0M | $73.3M | $121.5M | $113.5M | $126.6M | $122.6M | $135.9M |
| Imposto | $8.9M | $4.9M | $9.0M | $14.6M | $12.7M | $22.6M | $14.5M | $13.1M | $8.7M | $8.7M |
| Lucro Líquido | $27.7M | $35.7M | $43.1M | $57.4M | $60.6M | $98.9M | $99.1M | $113.6M | $113.8M | $127.2M |
| LPA | $2.20 | $2.68 | $2.92 | $3.65 | $3.84 | $6.30 | $5.94 | $6.79 | $6.77 | $7.54 |
| LPA Diluído | $2.17 | $2.61 | $2.86 | $3.60 | $3.80 | $6.20 | $5.87 | $6.73 | $6.71 | $7.52 |
| Ações em Circulação (Diluídas) | $12.8M | $13.7M | $15.1M | $16.0M | $16.0M | $15.9M | $16.9M | $16.9M | $17.0M | $16.8M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $159.3M | $166.2M | $143.0M | $150.5M |
| Lucro Bruto | $94.8M | $101.5M | $87.9M | $92.6M |
| Lucro Operacional | $40.6M | $38.7M | $35.8M | $40.6M |
| EBITDA | $43.7M | $42.0M | $38.6M | $40.6M |
| Lucro Líquido | $36.7M | $35.7M | $33.4M | $36.3M |
| LPA | $2.17 | $2.13 | $2.00 | $2.20 |
| LPA Diluído | $2.16 | $2.13 | $2.00 | $2.20 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $134.5M | $131.5M | $218.7M | $224.1M | $147.9M | $112.8M | $127.1M | $202.0M | $235.2M | $76.5M |
| Investimentos de Curto Prazo | $251.1M | $272.9M | $261.1M | $210.7M | $362.0M | $337.8M | $341.0M | $299.7M | $281.1M | $107.0M |
| Contas a Receber | $165.4M | $141.4M | $118.0M | $87.9M | $64.3M | $43.6M | $30.9M | $30.2M | $16.5M | $32.8M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $551.1M | $545.8M | $597.7M | $522.7M | $574.1M | $494.3M | $499.0M | $531.9M | $532.8M | $76.5M |
| Imobilizado | $60.6M | $62.8M | $75.6M | $73.9M | $72.7M | $78.5M | $117.9M | $123.3M | $159.2M | 0 |
| Ágio | $13.1M | $28.3M | $77.8M | $74.7M | $74.1M | $74.1M | $137.6M | $139.0M | $138.6M | $138.6M |
| Ativos Intangíveis | $7.4M | $9.1M | $17.4M | $15.0M | $11.4M | $9.3M | $16.8M | $13.8M | $11.1M | $8.1M |
| Ativos Totais | $3.30B | $3.98B | $4.95B | $4.91B | $5.71B | $6.10B | $7.95B | $8.54B | $9.03B | $9.58B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $124.9M | $49.0M | $72.8M | $13.4M | $5.4M | $3.8M | $129.6M | $1.5M | $1.8M | $2.6M |
| Passivos Circulantes | $2.79B | $3.32B | $4.05B | $3.92B | $4.60B | $4.93B | $6.11B | $6.52B | $7.06B | $2.6M |
| Dívida de Longo Prazo | $251.0M | $260.5M | $332.2M | $265.5M | $171.7M | $167.0M | $696.3M | $716.8M | $567.7M | $615.2M |
| Passivos Totais | $3.02B | $3.63B | $4.48B | $4.37B | $5.11B | $5.42B | $7.18B | $7.65B | $8.03B | $8.46B |
| Reservas | $118.6M | $152.0M | $192.2M | $245.8M | $300.8M | $386.1M | $450.1M | $555.0M | $665.2M | $773.4M |
| Patrimônio Líquido | $286.0M | $353.3M | $473.1M | $535.4M | $593.8M | $677.0M | $772.7M | $886.6M | $997.4M | $1.11B |
| Dívida Total | $375.9M | $309.5M | $405.0M | $279.0M | $177.1M | $170.8M | $825.9M | $716.8M | $567.7M | $617.9M |
| Dívida Líquida | -$9.7M | -$94.9M | -$74.8M | -$155.9M | -$332.8M | -$279.8M | $357.9M | $215.1M | $51.4M | $434.4M |
| Capital de Giro | -$2.24B | -$2.77B | -$3.45B | -$3.40B | -$4.03B | -$4.43B | -$5.61B | -$5.98B | -$6.53B | $73.8M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $215.4M | $76.5M | $80.0M | $111.3M |
| Ativos Totais | $9.57B | $9.58B | $9.61B | $9.52B |
| Passivos Totais | $8.48B | $8.46B | $8.49B | $8.37B |
| Patrimônio Líquido | $1.09B | $1.11B | $1.12B | $1.15B |
| Dívida Total | $561.8M | $617.9M | $418.3M | $402.3M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $27.7M | $35.7M | $43.1M | $57.4M | $60.6M | $98.9M | $99.1M | $113.6M | $113.8M | $127.2M |
| Depreciação e Amortização | $3.9M | $5.0M | $6.1M | $7.5M | $7.5M | $7.4M | $10.5M | $11.7M | $11.2M | $12.3M |
| Compensação em Ações | $947174 | $1.2M | $1.4M | $2.5M | $2.1M | $2.4M | $2.4M | $2.7M | $2.8M | $3.2M |
| Variação Capital de Giro | $7.6M | -$9.3M | -$5.2M | $2.8M | -$2.9M | -$44.2M | $1.4M | -$11.8M | -$25.9M | -$25.0M |
| Fluxo de Caixa Operacional | $43.4M | $33.7M | $64.3M | $76.5M | $112.2M | $88.2M | $118.7M | $376.3M | $444.5M | $421.5M |
| CapEx | -$6.0M | -$5.8M | -$11.5M | -$12.4M | -$4.3M | -$14.0M | -$33.3M | -$14.9M | -$44.5M | -$67.4M |
| Aquisições | -$69.9M | -$3.4M | -$5.2M | $42.6M | -$154000 | 0 | $145.0M | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | 0 | 0 | -$3.8M | -$14.2M | -$53.0M | -$8.7M | 0 | -$21.6M |
| Dividendos Pagos | -$2.0M | -$2.5M | -$3.3M | -$3.8M | -$3.8M | -$3.8M | -$3.9M | -$4.0M | -$4.0M | -$4.1M |
| Fluxo de Caixa Livre | $37.4M | $28.0M | $52.8M | $64.1M | $107.9M | $74.2M | $85.4M | $361.4M | $400.0M | $354.1M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $47.5M | $335.4M | $4.4M | $471.5M |
| CapEx | -$15.7M | -$24.6M | -$12.3M | -$13.4M |
| Fluxo de Caixa Livre | $31.7M | $310.8M | -$7.9M | $458.1M |
| Dividendos Pagos | -$1.0M | -$1.0M | -$1.0M | -$1.7M |
| Compensação em Ações | $687000 | $623000 | $1.1M | 0 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +20.7% | +35.7% | +26.5% | +10.0% | -4.2% | +24.5% | +46.5% | +9.7% | +1.5% |
| Crescimento Lucro Líquido (anual) | | +29.0% | +20.8% | +33.1% | +5.5% | +63.3% | +0.2% | +14.6% | +0.3% | +11.7% |
| Crescimento LPA (anual) | | +21.8% | +9.0% | +25.0% | +5.2% | +64.1% | -5.7% | +14.3% | -0.3% | +11.4% |
| Variação de Ações (anual) | | +7.2% | +10.1% | +6.0% | -0.1% | -0.1% | +5.9% | -0.1% | +0.6% | -1.2% |
| Crescimento FCF (anual) | | -25.2% | +88.9% | +21.3% | +68.4% | -31.2% | +15.1% | +323.0% | +10.7% | -11.5% |
| Margem Bruta | 85.5% | 82.8% | 75.9% | 75.7% | 71.6% | 91.4% | 80.9% | 61.0% | 54.5% | 57.7% |
| Margem Operacional | 27.2% | 25.1% | 23.7% | 25.9% | 23.9% | 41.3% | 31.1% | 23.7% | 20.9% | 22.8% |
| Margem EBITDA | 30.1% | 28.1% | 26.5% | 28.5% | 26.3% | 43.9% | 33.9% | 25.8% | 22.8% | 24.8% |
| Margem Líquida | 20.6% | 22.0% | 19.6% | 20.6% | 19.8% | 33.7% | 27.1% | 21.2% | 19.4% | 21.3% |
| Margem FCF | 27.8% | 17.2% | 24.0% | 23.0% | 35.2% | 25.3% | 23.4% | 67.5% | 68.1% | 59.3% |
| Taxa Efetiva de Imposto | 24.3% | 12.2% | 17.3% | 20.3% | 17.3% | 18.6% | 12.8% | 10.3% | 7.1% | 6.4% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $2.93 | $2.04 | $3.51 | $4.01 | $6.76 | $4.66 | $5.06 | $21.43 | $23.59 | $21.13 |
| Dividendo por Ação | $0.16 | $0.18 | $0.22 | $0.24 | $0.24 | $0.24 | $0.23 | $0.24 | $0.24 | $0.24 |
| Ações em Circulação (Básicas) | $12.6M | $13.3M | $14.8M | $15.7M | $15.6M | $15.7M | $16.7M | $16.7M | $16.8M | $16.8M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 12.70% |
| Retorno sobre capital investido | 55.64% |
| Retorno sobre ativos | 1.49% |
| Margem bruta | 60.89% |
| Margem operacional | 25.14% |
| Margem líquida | 22.94% |
Saúde financeira
| Dívida / Patrimônio | 0.35 |
| Liquidez corrente | 12.50 |
| Piotroski F-Score | 7 |
| Altman Z-Score | 0.33 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 19.68 | 15.99 | 10.99 | 12.02 | 10.31 | 8.89 | 8.36 | 8.60 | 11.91 | 11.05 |
| P/VP | 1.90 | 1.62 | 1.00 | 1.29 | 1.04 | 1.30 | 1.07 | 1.10 | 1.36 | 1.25 |
| P/V | 4.05 | 3.52 | 2.15 | 2.48 | 2.01 | 2.99 | 2.26 | 1.82 | 2.31 | 2.34 |
| Margem Bruta | 85.5% | 82.8% | 75.9% | 75.7% | 71.6% | 91.4% | 80.9% | 61.0% | 54.5% | 57.7% |
| Margem Operacional | 27.2% | 25.1% | 23.7% | 25.9% | 23.9% | 41.3% | 31.1% | 23.7% | 20.9% | 22.8% |
| Margem Líquida | 20.6% | 22.0% | 19.6% | 20.6% | 19.8% | 33.7% | 27.1% | 21.2% | 19.4% | 21.3% |