Republic Bancorp vs QCR Holdings

Republic Bancorp (REPUBLIC BANCORP INC-CLASS A) and QCR Holdings Inc. This page compares their business models, financial performance, and market context in a clear, neutral way, offering accessible perspectives for readers seeking impartial insights. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

RBCAA

Metric

QCRH

$1.39B

Market Cap

$1.44B

4.11%

Potential Profit

1.78%

Hold

Analyst Rating

Buy

Investment Analysis

Republic Bancorp

RBCAA

Pros

Republic Bancorp maintains a strong financial health with a low debt-to-equity ratio and high net profit margin.
The company has a consistent dividend payout history, reflecting shareholder-friendly capital allocation.
Republic Bancorp demonstrates solid past performance, with stable earnings and revenue over recent years.

Considerations

Future growth prospects appear limited, with low projected growth rates in the near term.
Revenue growth has been stagnant, with minimal expansion in recent quarters.
The company operates in a highly competitive regional banking sector, facing pressure from larger peers.

QCR Holdings

QCRH

Pros

QCR Holdings achieved record quarterly net income and strong earnings per share growth in the third quarter of 2025.
The company reported robust loan growth and expansion in net interest margin, supported by digital transformation initiatives.
Capital markets and wealth management revenues have increased significantly, diversifying income streams.

Considerations

Non-interest expenses rose sharply due to digital transformation and higher variable compensation costs.
The company expects elevated expenses to persist into 2026, potentially pressuring near-term profitability.
Balance sheet efficiency in the light tech lending segment remains a challenge during the construction phase.

About The Companies

Republic Bancorp (RBCAA)

Republic Bancorp, Inc. is a financial holding company operating primarily through its subsidiary, Republic Bank & Trust Company. The bank provides a diverse range of banking products and services to both individual and corporate clients. Its business is structured into several key segments: Traditional Banking, which offers standard retail and commercial services through its 47 banking centres; Warehouse Lending, providing short-term credit facilities to mortgage bankers across the United States; and Tax Refund Solutions (TRS), which facilitates tax refund products. Additional segments include Republic Payment Solutions (RPS), focusing on payments-related products, and Republic Credit Solutions (RCS). This diversified model allows the company to serve a broad customer base with both conventional and specialised financial offerings. As with any investment, its value can go down as well as up.

QCR Holdings (QCRH)

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Comparison Snapshot