QCR (NASDAQ:QCRH) vs. Central Plains Bancshares (NASDAQ:CPBI) Head to Head Review

QCR (NASDAQ:QCRH) and Central Plains Bancshares (NASDAQ:CPBI) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, dividends, risk, earnings, profitability and valuation.

Earnings and Valuation

This table compares QCR and Central Plains Bancshares”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
QCR	$329.61 million	4.03	$113.85 million	$6.64	11.81
Central Plains Bancshares	$27.31 million	2.47	$3.65 million	$0.99	16.17

QCR has higher revenue and earnings than Central Plains Bancshares. QCR is trading at a lower price-to-earnings ratio than Central Plains Bancshares, indicating that it is currently the more affordable of the two stocks.

Risk & Volatility

QCR has a beta of 0.87, indicating that its stock price is 13% less volatile than the S&P 500. Comparatively, Central Plains Bancshares has a beta of 0.14, indicating that its stock price is 86% less volatile than the S&P 500.

Insider & Institutional Ownership

70.0% of QCR shares are held by institutional investors. Comparatively, 24.3% of Central Plains Bancshares shares are held by institutional investors. 3.7% of QCR shares are held by company insiders. Comparatively, 8.6% of Central Plains Bancshares shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Analyst Ratings

This is a summary of recent ratings and price targets for QCR and Central Plains Bancshares, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
QCR	0	0	4	0	3.00
Central Plains Bancshares	0	0	0	0	0.00

QCR currently has a consensus target price of $87.38, suggesting a potential upside of 11.46%. Given QCR’s stronger consensus rating and higher possible upside, research analysts clearly believe QCR is more favorable than Central Plains Bancshares.

Profitability

This table compares QCR and Central Plains Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
QCR	19.43%	11.71%	1.30%
Central Plains Bancshares	13.34%	4.52%	0.76%

Summary

QCR beats Central Plains Bancshares on 12 of the 14 factors compared between the two stocks.

About QCR

QCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. The company’s deposit products include noninterest-bearing demand, interest-bearing demand, time, and brokered deposits. It also provides various commercial and retail lending/leasing, and investment services to corporations, partnerships, individuals, and government agencies. The company’s loan portfolio comprises loans to small and mid-sized businesses; business loans, including lines of credit for working capital and operational purposes; term loans for the acquisition of facilities, equipment, and other purposes; commercial and residential real estate loans; and installment and other consumer loans, such as home improvement, home equity, motor vehicle, and signature loans, as well as small personal credit lines. In addition, it engages in leasing of machinery and equipment to commercial and industrial businesses under direct financing lease contracts; and issuance of trust preferred securities. QCR Holdings, Inc. was incorporated in 1993 and is headquartered in Moline, Illinois.

About Central Plains Bancshares

Central Plains Bancshares, Inc. focuses on providing various banking products and services to retail customers, and small and medium-sized commercial customers in Nebraska, the United States. It offers checking accounts, savings accounts, and certificate of deposit accounts. The company also provides one- to four-family residential mortgage loans secured by properties, as well as commercial real estate loans, commercial and industrial loans, multi-family residential real estate loans, construction and land development loans, agricultural real estate and non-real estate loans, and consumer loans. In addition, it offers electronic banking services, including mobile banking, on-line banking and bill pay, and electronic funds transfer. The company was incorporated in 2023 and is based in Grand Island, Nebraska.