QCR Holdings vs Prospect Capital

This page compares QCR Holdings Inc and Prospect Capital Corporation across business models, financial performance, and market context, presenting neutral information for readers. It outlines how each company operates, the factors shaping its performance, and the broader industry landscape without recommendations or guarantees. Educational content, not financial advice.

About The Companies

QCR Holdings (QCRH)

Prospect Capital (PSEC)

Prospect Capital Corporation (PSEC) is a publicly traded business development company (BDC) that provides private debt and equity to middle‑market US companies. With a market capitalisation of about $1.27 billion, it aims to generate current income for shareholders through interest, fees and dividend distributions from a diversified portfolio of senior secured loans, subordinated debt and equity investments. PSEC has historically offered a relatively high dividend yield, though dividends are not guaranteed. The company uses leverage and active portfolio management to enhance returns, which can amplify both income and losses. As a closed‑end fund listed on an exchange, its share price can trade at a premium or discount to net asset value (NAV). Key considerations for potential investors include credit risk, interest‑rate sensitivity, liquidity and dividend variability. This is educational information only and not personalised financial advice; investors should assess suitability, review regulatory filings and consider independent advice.

Comparison Snapshot

Key Financial Metrics

QCRH

Metric

PSEC

$1.47B

Market Cap

$1.24B

2.83%

Potential Profit

-5.30%

Buy

Analyst Rating

Sell

Which Baskets Do They Appear In?

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Which Baskets Do They Appear In?

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Investment Analysis

QCR Holdings

QCRH

Pros

QCR Holdings has demonstrated strong loan and deposit growth, supported by a diversified regional banking footprint.
The company reported record net income and solid net interest income, reflecting effective asset management and credit quality.
QCR Holdings maintains a robust capital position and has delivered consistent earnings per share growth in recent quarters.

Considerations

Regional banks like QCR Holdings face heightened sensitivity to interest rate fluctuations and economic cycles.
The company's expansion through multiple banks increases operational complexity and integration risks.
QCR Holdings' stock valuation is above sector average, potentially limiting near-term upside for new investors.

Prospect Capital

PSEC

Pros

Prospect Capital offers high dividend yields, appealing to income-focused investors seeking regular cash flow.
The company has a diversified portfolio across multiple industries, reducing concentration risk in any single sector.
Prospect Capital maintains a stable asset base and has demonstrated resilience in challenging credit environments.

Considerations

Prospect Capital's returns are constrained by regulatory requirements and limitations on leverage for business development companies.
The company faces ongoing pressure on net investment income due to competitive lending markets and rising costs.
Prospect Capital's share price has historically been volatile, reflecting sensitivity to broader market sentiment and interest rates.

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About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?