QNB Corp. (QNBC)
OTHER OTC:QNBC
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QNB
(OTC:QNBC)
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Rating:68Neutral
Price Target:
$48.00
▲(36.17% Upside)
Action:Downgraded
Date:06/10/26
The score is primarily driven by solid financial performance with consistent profitability and manageable leverage, tempered by margin normalization and some variability in leverage/cash conversion. Valuation is supportive due to a moderate P/E and solid dividend yield, while technical indicators are broadly neutral with limited near-term momentum. Recent corporate events are constructive, reflecting governance continuity and completed M&A execution.
Positive Factors
Consistent Profitability
QNB has produced steady profitability with ROE near 11% and mid‑teens net margins in the last two periods, indicating sustainable earnings power. Stable margins and consistent profits support capital retention, dividend capacity, and reinvestment over the medium term.
Negative Factors
Margin Normalization
Net margins have stepped down from the peak 2021–2022 levels, reflecting weaker spread dynamics and a less favorable earnings mix. Persistently lower margins can compress long‑run profitability and limit margin of safety for funding costs or adverse credit cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Profitability
QNB has produced steady profitability with ROE near 11% and mid‑teens net margins in the last two periods, indicating sustainable earnings power. Stable margins and consistent profits support capital retention, dividend capacity, and reinvestment over the medium term.
Read all positive factors
QNB (QNBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$216.91M
Dividend Yield4.33%
Average Volume (3M)2.55K
Price to Earnings (P/E)11.3
Beta (1Y)-0.12
Revenue Growth7.00%
EPS Growth23.37%
CountryUS
Employees212
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.84
Shares Outstanding4,965,957
10 Day Avg. Volume658
30 Day Avg. Volume2,551
Financial Highlights & Ratios
PEG Ratio0.42
Price to Book (P/B)1.00
Price to Sales (P/S)1.34
P/FCF Ratio8.39
Enterprise Value/Market Cap1.25
Enterprise Value/Revenue2.83
Enterprise Value/Gross Profit4.88
Enterprise Value/Ebitda13.72
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
QNB Business Overview & Revenue Model
Company Description
QNB Corp. operates as the bank holding company for QNB Bank that engages in the provision of commercial and retail banking products, and retail brokerage services in the United States. The company offers demand and savings accounts, such as money ...
How the Company Makes Money
null...
QNB Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
70
Positive
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 96.04M | 97.32M | 90.98M | 73.92M | 58.15M | 56.55M |
| Gross Profit | 55.72M | 55.46M | 49.84M | 45.84M | 51.08M | 51.45M |
| EBITDA | 19.81M | 19.58M | 16.14M | 13.50M | 21.38M | 22.40M |
| Net Income | 14.28M | 14.09M | 11.45M | 9.48M | 15.92M | 16.49M |
Balance Sheet | ||||||
| Total Assets | 1.92B | 1.90B | 1.87B | 1.71B | 1.67B | 1.67B |
| Cash, Cash Equivalents and Short-Term Investments | 17.63M | 618.35M | 11.37M | 62.66M | 562.42M | 705.75M |
| Total Debt | 126.12M | 119.87M | 83.84M | 114.09M | 332.65M | 78.48M |
| Total Liabilities | 1.79B | 1.78B | 1.77B | 1.62B | 1.60B | 1.54B |
| Stockholders Equity | 131.38M | 129.56M | 103.35M | 90.82M | 70.96M | 136.49M |
Cash Flow | ||||||
| Free Cash Flow | 15.21M | 15.49M | 12.70M | 13.69M | 16.28M | 27.21M |
| Operating Cash Flow | 16.87M | 16.62M | 16.22M | 14.46M | 16.84M | 30.39M |
| Investing Cash Flow | -39.39M | -23.38M | -173.33M | 23.04M | -71.65M | -282.49M |
| Financing Cash Flow | -1.48M | 6.34M | 145.16M | 9.26M | 57.32M | 226.16M |
QNB Technical Analysis
Positive
35.25
Price Trends
43.67
Negative
40.81
Positive
37.53
Positive
Market Momentum
0.09
Positive
51.51
Neutral
41.60
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For QNBC, the sentiment is Positive. The current price of 35.25 is below the 20-day moving average (MA) of 43.47, below the 50-day MA of 43.67, and below the 200-day MA of 37.53, indicating a neutral trend. The MACD of 0.09 indicates Positive momentum. The RSI at 51.51 is Neutral, neither overbought nor oversold. The STOCH value of 41.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for QNBC.
QNB Risk Analysis
QNB disclosed 17 risk factors in its most recent earnings report. QNB reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
QNB Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | $189.18M | 11.82 | 8.29% | 2.93% | 3.88% | 40.69% | |
68 Neutral | $216.91M | 11.33 | 11.52% | 4.33% | 7.00% | 23.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $192.46M | 18.67 | 7.42% | ― | 36.10% | ― | |
62 Neutral | $147.74M | 14.84 | 5.92% | 0.97% | 0.68% | 199.51% | |
51 Neutral | $172.38M | -3.14 | -20.17% | 0.84% | -6.78% | -2658.21% |
* Financial Sector Average
QNBC
QNB
43.50
11.12
34.34%
EBMT
Eagle Bancorp Montana
23.76
8.32
53.86%
FGBI
First Guaranty Bancshares
10.56
2.58
32.26%
RBKB
Rhinebeck Bancorp
17.18
5.19
43.29%
FNWD
Finward Bancorp
34.14
6.96
25.58%
ECBK
ECB Bancorp, Inc.
19.84
5.02
33.87%
QNB Corporate Events
Executive/Board ChangesShareholder Meetings
QNB Shareholders Back Directors and New Stock Plan
Positive
Jun 10, 2026
On June 9, 2026, QNB held its 2026 Annual Meeting of Shareholders, where owners of 4,993,046 eligible common shares voted on key governance matters, including the election of Class II directors for three-year terms. Shareholders elected Laurie A. ...
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and Compliance
QNB Highlights Strategy and Performance in Investor Presentation
Neutral
Jun 2, 2026
On June 2, 2026, QNB Corp. distributed a slide presentation to existing and prospective investors outlining its operating and growth strategies along with recent financial performance metrics. The materials were furnished via a Current Report on F...
Business Operations and StrategyExecutive/Board Changes
QNB Announces Planned Leadership Transition and Future Presidency
Positive
May 13, 2026
On May 13, 2026, QNB Corp. unveiled a long-planned leadership transition at QNB Bank, naming longtime executive Christopher T. Cattie as the bank’s next president effective November 1, 2026, and appointing him to the boards of both the bank ...
Business Operations and StrategyExecutive/Board ChangesM&A Transactions
QNB Completes Victory Bancorp Acquisition and Board Expansion
Positive
Apr 7, 2026
On April 1, 2026, QNB Corp. completed its previously announced all‑stock acquisition of Victory Bancorp, Inc., merging Victory into QNB and combining The Victory Bank with QNB Bank, with QNB Bank as the surviving Pennsylvania‑chartered...
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and Compliance
QNB Highlights Strategy and Performance in Investor Presentation
Neutral
Mar 26, 2026
On March 26, 2026, QNB Corp. distributed a slide presentation to analysts and prospective investors outlining its operating and growth strategies and recent financial performance. The materials, furnished via a Current Report on Form 8-K as an exh...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.