B+
Bull case
25%
Probability
Target price
$118.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
QCRH
QCRCNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
Record Q2 EPS, strong organic loan production, improving asset quality, capital-markets recovery, wealth-management growth, tangible book value compounding, and opportunistic repurchases support a positive medium-term setup.
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.6.
What can break
Core deposit activity declined by $324 million, although management characterized this as an intentional reduction of higher-cost balances.
Momentum
62
Value
54
Sentiment
55
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $104.00 · Bull $118.00 · Bear $84.00Analysis 2026-07-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-27 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-10-23
Investment thesis
As of 2026-10-23
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $110.83
Why
Momentum62 · Δ7d +4.4
Value54 · Δ7d -0.6
Sentiment55 · Δ7d -4.9
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Confirming evidence
- • Value remains the lead driver in the composite, 7D delta -0.6.
Contradictions & invalidation
- • Core deposit activity declined by $324 million, although management characterized this as an intentional reduction of higher-cost balances.
- • Costs and regulatory requirements may rise as assets approach or exceed $10 billion.
- • The EPS beat was offset by a reported revenue miss, while NIM was below guidance, securitization complexity created losses, funding costs shifted higher, and preparation for crossing $10 billion in assets may increase expenses and regulatory burden.
Catalyst clock
2026-07-22
Q2 EPS beat offset by revenue miss
Lead driver: Value · See fundamentals
Momentum
62
8% active weight
Current posture
7d trendImproving
Δ7d
+4.4
Δ21d
+1.0
Value
54
47% active weight
Current posture
7d trendFlat
Δ7d
-0.6
Δ21d
-0.1
Sentiment
55
45% active weight
Current posture
7d trendSoftening
Δ7d
-4.9
Δ21d
-9.8
Why this grade
Composite grade C. Momentum 61.9 / Value 54.3 / Sentiment 54.8
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-27. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$104.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$84.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-10-23
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$1.69B
Beta
0.82
Shares Out
16.38M
P/E (TTM)
11.7
P/S (TTM)
3.98
P/FCF (TTM)
6.93
Rev YoY
+5.3%
EPS YoY
+28.2%
Gross Margin
-
Op Margin
+25.2%
Net Debt
$565.83M
Current Ratio
0.05
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data