Dividend Power Score
A single, comprehensive score designed to measure the true strength of a company’s dividend.
This score combines three essential pillars of dividend quality:
Consistency – Measures how reliable the dividend has been over time, focusing on payment history, stability, and the absence of cuts or suspensions.
Payability – Assesses the company’s financial ability to sustain its dividend, taking into account cash flow, earnings coverage, balance sheet strength, and overall financial health.
Growth – Evaluates the long-term growth of both the dividend and the company’s share price, highlighting businesses that consistently increase payouts while creating shareholder value.
Higher scores identify companies that have historically delivered dependable income alongside sustained dividend growth and long-term capital appreciation.
Company Overview
QCR Holdings, Inc. is a bank holding company that provides commercial and consumer banking services primarily across the Midwestern United States. The company operates in the financial services industry, with a focus on relationship-driven banking for small to mid-sized businesses, professionals, and retail customers. Its core revenue drivers include commercial lending, commercial real estate lending, deposit services, and fee-based financial services such as wealth management and trust administration.
Founded in 1993, QCR Holdings has expanded through a combination of organic growth and targeted acquisitions, evolving from a single-market banking organization into a multi-bank holding company with a regional footprint. The company positions itself as a locally managed banking platform with decentralized decision-making, emphasizing long-term customer relationships, local market expertise, and disciplined credit management as key strategic advantages.
Business Operations
QCR Holdings generates revenue primarily through interest income from loans and investment securities, supplemented by non-interest income from trust, wealth management, and service fees. Its operations are conducted through several wholly owned banking subsidiaries, including Quad City Bank & Trust, Cedar Rapids Bank & Trust, Rockford Bank & Trust, Guaranty Bank, and Springfield Bank & Trust, each operating under a community banking model tailored to its local market.
The company’s banking subsidiaries offer a full range of services, including commercial and industrial loans, commercial real estate financing, agricultural lending, residential mortgages, treasury management, and personal banking products. In addition to traditional banking, QCR Holdings controls trust and asset management capabilities that support its wealth management offerings, enabling cross-selling opportunities and diversified income streams across its footprint.
Strategic Position & Investments
QCR Holdings’ strategic direction emphasizes disciplined balance sheet growth, targeted market expansion, and operational efficiency while maintaining conservative credit standards. Growth initiatives have historically included selective acquisitions of community banks in attractive Midwestern markets, allowing the company to expand geographically while preserving local branding and management autonomy.
The company has invested in technology platforms to enhance digital banking, treasury management, and internal risk management capabilities. While QCR Holdings does not operate as a diversified financial conglomerate, it maintains a focused portfolio centered on banking and wealth management, with subsidiaries aligned to specific regional markets rather than unrelated industries. No material involvement in speculative or non-core emerging technologies has been conclusively identified in publicly available disclosures.
Geographic Footprint
QCR Holdings operates primarily in the Midwestern United States, with significant market presence in Iowa, Illinois, and Wisconsin. Its headquarters are located in Iowa, and its banking subsidiaries maintain branch networks across multiple metropolitan and regional markets within these states.
The company does not have material international operations, and its activities are overwhelmingly domestic. However, through commercial banking relationships, it may indirectly support clients engaged in cross-border trade, though this does not constitute direct international investment or operational control.
Leadership & Governance
QCR Holdings is led by an executive team with extensive experience in community and commercial banking, emphasizing decentralized leadership, local accountability, and long-term shareholder value creation. The company’s governance framework reflects regulatory requirements applicable to U.S. bank holding companies and oversight through its board of directors.
Key executives include:
- Todd A. Gipple – President and Chief Executive Officer
- Andrew R. Holmertz – Chief Financial Officer
- Laura A. Ekizian – Chief Risk Officer
- James D. Klein – Vice Chairman and Chief Lending Officer
The leadership philosophy centers on prudent risk management, consistent profitability, and maintaining strong capital and asset quality through economic cycles.