QCRH Cash-Secured Put Strategy
QCRH (QCR Holdings, Inc.), in the Financial Services sector, (Banks - Regional industry), listed on NASDAQ.
QCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. Its deposit products include noninterest-bearing demand, interest-bearing demand, time, and brokered deposits. The company also provides various commercial and retail lending/leasing, and investment services to corporations, partnerships, individuals, and government agencies. Its 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, the company engages in leasing of machinery and equipment to commercial and industrial businesses under direct financing lease contracts; and issuance of trust preferred securities. It serves the Quad Cities, Cedar Rapids, Cedar Valley, Des Moines/Ankeny, and Springfield communities.
QCRH (QCR Holdings, Inc.) trades in the Financial Services sector, specifically Banks - Regional, with a market capitalization of approximately $1.47B, a trailing P/E of 10.97, a beta of 0.77 versus the broader market, a 52-week range of 63.68-96, average daily share volume of 114K, a public-listing history dating back to 1993, approximately 972 full-time employees. These structural characteristics shape how QCRH stock options price implied volatility around earnings windows, capital events, and macro-driven sector rotations.
A beta of 0.77 places QCRH roughly in line with broader market moves, so the strategy payoff and realized volatility track the index-equivalent baseline. The trailing P/E of 10.97 is on the value side, where IV often compresses outside event windows because forward growth expectations are already discounted into the share price. QCRH pays a dividend, which adjusts put-call parity and shifts the ex-dividend pricing across the listed chain.
What is a cash-secured put on QCRH?
A cash-secured put sells an out-of-the-money put while holding cash equal to the strike-times-100 obligation, keeping the premium when the underlying stays above the strike.
Current QCRH snapshot
As of May 15, 2026, spot at $87.97, ATM IV 437.50%, IV rank 89.32%, expected move 125.43%. The cash-secured put on QCRH below is built from the same end-of-day chain, with strikes snapped to listed contracts and premiums pulled from the bid/ask midpoint at a 34-day expiry.
Why this cash-secured put structure on QCRH specifically: QCRH IV at 437.50% is rich versus its 1-year range, which favors premium-selling structures like a QCRH cash-secured put, with a market-implied 1-standard-deviation move of approximately 125.43% (roughly $110.34 on the underlying). The 34-day window matched to the front-month expiry keeps theta exposure bounded while still capturing the post-snapshot move; longer-dated QCRH expiries trade a higher absolute premium for lower per-day decay. Position sizing on QCRH should anchor to the underlying notional of $87.97 per share and to the trader's directional view on QCRH stock.
QCRH cash-secured put setup
The QCRH cash-secured put below is built from the end-of-day chain, with each option leg priced at the bid/ask midpoint of its listed strike. With QCRH near $87.97, the first option leg uses a $83.57 strike; additional legs (when the strategy has them) anchor to spot-relative offsets. Premiums come from the bid/ask midpoint on the listed QCRH chain at a 34-day expiry; the cross-strike IV skew is reflected directly in the per-leg values rather than approximated. Quantity sizing assumes one contract per option leg (or 100 QCRH shares for the stock leg in covered calls and collars).
| Action | Type | Strike / Basis | Premium (est) |
|---|---|---|---|
| Sell 1 | Put | $83.57 | N/A |
QCRH cash-secured put risk and reward
- Net Premium / Debit
- N/A
- Max Profit (per contract)
- Unbounded
- Max Loss (per contract)
- Unbounded
- Breakeven(s)
- None on modeled curve
- Risk / Reward Ratio
- N/A
Max profit equals premium times 100; max loss equals strike minus premium times 100 (at zero, assuming assignment). Breakeven is strike minus premium.
QCRH cash-secured put payoff curve
Modeled P&L at expiration across a range of underlying prices for the cash-secured put on QCRH. Each row is one sampled price point from the computed payoff curve; the full curve uses 200 price points internally before being summarized into 10 rows here.
When traders use cash-secured put on QCRH
Cash-secured puts on QCRH earn premium while a trader waits to acquire QCRH stock at a target strike below the current quote; most attractive when IV is rich and the trader is comfortable owning QCRH.
QCRH thesis for this cash-secured put
The market-implied 1-standard-deviation range for QCRH extends from approximately $-22.37 on the downside to $198.31 on the upside. A QCRH cash-secured put lets a trader earn premium while waiting to acquire QCRH at the strike price; the strategy is most attractive when the trader is comfortable holding the underlying at that level and IV is rich enough to compensate for the assignment risk. Current QCRH IV rank near 89.32% sits in the upper third of its 1-year distribution, which historically reverts; this raises the bar for premium-buying structures and lowers it for premium-selling structures on QCRH at 437.50%. As a Financial Services name, QCRH options can move on sector-level news flow (peer earnings, regulatory updates, industry-specific macro data) in addition to QCRH-specific events.
QCRH cash-secured put positions are structurally neutral to slightly bullish; the modeled P&L assumes European-style exercise at expiration and ignores early assignment, transaction costs, dividends paid before expiry on the stock leg (when present), and the bid-ask spread on the listed chain. QCRH positions also carry Financial Services sector concentration risk; news flow inside the sector (peer earnings, regulatory shifts, supply-chain headlines) can move QCRH alongside the broader basket even when QCRH-specific fundamentals are unchanged. Short-premium structures like a cash-secured put on QCRH carry tail risk when realized volatility exceeds the implied move; review historical QCRH earnings reactions and macro stress periods before sizing. Always rebuild the position from current QCRH chain quotes before placing a trade.
Frequently asked questions
- What is a cash-secured put on QCRH?
- A cash-secured put on QCRH is the cash-secured put strategy applied to QCRH (stock). The strategy is structurally neutral to slightly bullish: A cash-secured put sells an out-of-the-money put while holding cash equal to the strike-times-100 obligation, keeping the premium when the underlying stays above the strike. With QCRH stock trading near $87.97, the strikes shown on this page are snapped to the nearest listed QCRH chain strike and the premiums come straight from the end-of-day bid/ask midpoint.
- How are QCRH cash-secured put max profit and max loss calculated?
- Max profit equals premium times 100; max loss equals strike minus premium times 100 (at zero, assuming assignment). Breakeven is strike minus premium. For the QCRH cash-secured put priced from the end-of-day chain at a 30-day expiry (ATM IV 437.50%), the computed maximum profit is unbounded per contract and the computed maximum loss is unbounded per contract. Live intraday quotes will differ as the chain moves through the trading session.
- What is the breakeven for a QCRH cash-secured put?
- The breakeven for the QCRH cash-secured put priced on this page is no defined breakeven on the modeled curve at expiration, derived from end-of-day chain premiums. Breakeven is the underlying price at which the strategy's P&L crosses zero ignoring transaction costs and assignment risk. The current QCRH market-implied 1-standard-deviation expected move is approximately 125.43%; if the move sits well outside the breakeven distance, the structure's risk-reward becomes correspondingly tighter.
- When should you consider a cash-secured put on QCRH?
- Cash-secured puts on QCRH earn premium while a trader waits to acquire QCRH stock at a target strike below the current quote; most attractive when IV is rich and the trader is comfortable owning QCRH.
- How does current QCRH implied volatility affect this cash-secured put?
- QCRH ATM IV is at 437.50% with IV rank near 89.32%, which is elevated relative to its 1-year range. Premium-selling structures (covered call, cash-secured put, iron condor) generally look more attractive when IV rank is high; premium-buying structures (long call, long put, debit spreads) are more expensive in that regime.