Quick Summary — QCRH scores higher on quality with 8.7/10 vs PNBK's 5.2/10. PNBK trades at $1.11 while QCRH trades at $92.39. Both analyzed daily using SEC EDGAR data across 13 institutional models.
QCRH scores higher with a 8.7/10 quality rating vs PNBK's 5.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.
At $1.11, PNBK trades +49.9% above its Bayesian DCF fair value of $0.56, while QCRH at $92.39 trades +16.1% above its estimate of $77.53. PNBK shows a wider gap between price and intrinsic value.
PNBK earns a Quality of Company score of 5.2/10 compared to QCRH's 8.7/10. This is a significant quality gap — the higher-scoring company demonstrates materially stronger fundamentals across profitability, growth consistency, and balance sheet health. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.
Review the value trap analysis for both PNBK and QCRH to assess whether apparent undervaluation reflects genuine opportunity or hidden fundamental risk.
Both PNBK and QCRH operate in Banks - Regional, which has 329 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).
11 hidden models compare PNBK vs QCRH differently — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more. Some may disagree with the 2 you see above.
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