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QCR Holdings cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$11.9M in Q3 2026 · $773M over twelve months

Operating cash flow$30.6M
Capital spending−$18.8M
Free cash flow+$11.9M
Cash / net income0.8×

Analysis

In Q3 2026, QCR Holdings generated $30.6M of operating cash flow and spent $18.8M on capital projects, leaving free cash flow of $11.9M. That is $19.9M less than in Q3 2025 ($31.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $842M; the largest uses were other investing ($860M), capital spending ($69.0M), dividends ($5.4M); besides operations, cash came from other financing ($99.7M), shares issued ($2.9M); the cash balance rose by $11.7M.

Operating cash flow was $30.6M against net income of $36.4M — 0.8× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$9.1M, other liabilities −$6.9M, depreciation & amortization +$3.4M.

Free cash flow

QCR Holdings: free cash flow by quarterQCR Holdings: free cash flow by quarter$163MQ4 2024−$12.7MQ1 2025$24.2MQ2 2025$31.7MQ3 2025$311MQ4 2025−$7.9MQ1 2026$458MQ2 2026$11.9MQ3 2026
Operating cash flow less capital spending.
QCR Holdings: operating cash flow against capital spendingQCR Holdings: operating cash flow against capital spendingOperating cash flowCapital spending$177M$13.9MQ4 2024−$3.6M$9.1MQ1 2025$42.2M$18.0MQ2 2025$47.5M$15.7MQ3 2025$335M$24.6MQ4 2025$4.4M$12.3MQ1 2026$471M$13.4MQ2 2026$30.6M$18.8MQ3 2026
Latest (Q3 2026): Operating cash flow $30.6M, Capital spending $18.8M.

Capital allocation, year by year

QCR Holdings: where the cash came from (up) and went (down), by fiscal yearQCR Holdings: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsDividendsFY2021: Operating cash flow $88.2MFY2021: Net borrowing −$1.6MFY2021: Shares issued $670KFY2021: Asset sales $1.7MFY2021: Capital spending −$14.0MFY2021: Dividends −$3.8M$90.6MFY2021FY2022: Operating cash flow $119MFY2022: Net borrowing $116MFY2022: Shares issued $422KFY2022: Asset sales $2.1MFY2022: Capital spending −$33.3MFY2022: Acquisitions −$26.9MFY2022: Dividends −$3.9M$237MFY2022FY2023: Operating cash flow $376MFY2023: Net borrowing −$128MFY2023: Shares issued $1.4MFY2023: Asset sales $503KFY2023: Capital spending −$14.9MFY2023: Dividends −$4.0M$378MFY2023FY2024: Operating cash flow $445MFY2024: Net borrowing $300KFY2024: Shares issued $1.5MFY2024: Asset sales $2KFY2024: Capital spending −$44.5MFY2024: Dividends −$4.0M$446MFY2024FY2025: Operating cash flow $422MFY2025: Net borrowing $850KFY2025: Shares issued $1.1MFY2025: Asset sales $1.8MFY2025: Capital spending −$67.4MFY2025: Dividends −$4.1M$425MFY2025
Over these 5 years operating cash flow totalled $1.4B; the largest uses were capital spending ($174M) and net borrowing ($130M). Cash-flow statements as filed.

Where the cash came from and went

QCR Holdings: sources (+) and uses (−) of cash, Q3 2026QCR Holdings: sources (+) and uses (−) of cash, Q3 2026Other investing−$170MOther financing$141MOperating cash flow$30.6MCash drawn (+) / kept (−)$22.1MCapital spending−$18.8MNet borrowing (+) / repaid (−)−$4.2MDividends−$1.7MShares issued$854K
QCR Holdings: sources (+) and uses (−) of cash, TTM to Q3 2026QCR Holdings: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$860MOperating cash flow$842MOther financing$99.7MCapital spending−$69.0MCash drawn (+) / kept (−)−$11.7MDividends−$5.4MShares issued$2.9MNet borrowing (+) / repaid (−)$1.9M

From profit to cash

QCR Holdings: net income to operating cash flow, Q3 2026QCR Holdings: net income to operating cash flow, Q3 2026Net income$36.4MDepreciation & amortization$3.4MStock-based pay$609KGains on disposals$4KPrepaid and other assets−$9.1MOther liabilities−$6.9MOperating cash flow$30.6M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$30.6M−$18.8M−$1.7M−$4.2M$854K$22.1M$11.9M
Q2 2026$471M−$13.4M−$1.7M$7.0M$1.1M−$31.3M$458M
Q1 2026$4.4M−$12.3M−$1.0M−$700K$112K−$3.5M−$7.9M
Q4 2025$335M−$24.6M−$1.0M−$200K$774K$1.1M$311M
Q3 2025$47.5M−$15.7M−$1.0M$1.5M$628K$27.2M$31.7M
Q2 2025$42.2M−$18.0M−$1.0M−$700K$853K−$5.8M$24.2M
Q1 2025−$3.6M−$9.1M−$1.0M$250K−$1.1M−$7.3M−$12.7M
Q4 2024$177M−$13.9M—−$950K$231K$12.1M$163M

QCR Holdings: income statement and cash flow

QCR Holdings, Q3 2026: revenue $99.2M (-2% year over year), operating margin 40.3%. The chart follows the revenue to costs, profit and cash.

QCR Holdings: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.