QNB (QNBC) AI Stock Analysis

• Market Cap: $139.06M
• Dividend Yield: 4.33%
• Average Volume (3M): 2.55K
• Price to Earnings (P/E): 9.9
• Beta (1Y): -0.18
• Revenue Growth: 17.10%
• EPS Growth: 36.53%
• Country: US
• Employees: 193
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.06
• Shares Outstanding: 3,733,073
• 10 Day Avg. Volume: 658
• 30 Day Avg. Volume: 2,551
• PEG Ratio: 0.60
• Price to Book (P/B): 1.21
• Price to Sales (P/S): 1.37
• P/FCF Ratio: 9.81
• Enterprise Value/Market Cap: 1.27
• Enterprise Value/Revenue: 1.80
• Enterprise Value/Gross Profit: 3.22
• Enterprise Value/Ebitda: 9.63
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 70 Outperform
• Price Target: $39.00 ▲(10.64% Upside)
• Action: Upgraded Date: 11/18/25
• Date: Action: Upgraded 11/18/25

QNBC's overall stock score is driven by strong financial performance and attractive valuation, with a stable technical outlook. The company's effective leverage management and profitability are significant strengths, while the neutral technical indicators suggest stability. The lack of earnings call and corporate events data did not impact the score.

Positive Factors

Revenue Growth

Steady revenue growth indicates a solid upward trajectory, reflecting the company's ability to expand its market reach and enhance product offerings.

Profitability

Improved net profit margins demonstrate effective cost control and increased profitability, strengthening QNBC's financial position.

Strategic Acquisition

The acquisition of Victory Bancorp is expected to deliver EPS accretion and expand market presence, enhancing long-term growth prospects.

Negative Factors

Equity Ratio

A low equity ratio suggests high leverage, posing potential risks in asset financing and limiting financial flexibility.

Operational Efficiency

Increased operational expenses without EBIT/EBITDA data may impact efficiency and profitability, requiring attention to cost management.

Investing Cash Flow

Negative investing cash flow indicates high capital expenditure, which could strain liquidity if not balanced by returns from investments.

QNB Business Overview & Revenue Model

Company Description

QNB Corp. operates as the bank holding company for QNB Bank that provides commercial and retail banking products and services. It offers various deposit products, which include demand and savings accounts, such as money market, interest-bearing demand, club, traditional statement savings, and online savings accounts; and time deposits comprising certificates of deposit and individual retirement accounts. The company also provides commercial and industrial loans, commercial and residential real estate loans, construction and land development loans, indirect lease financing, 1-4 family residential mortgage loans, home equity loans and lines of credit, and consumer loans. In addition, it offers retail brokerage and advisory services; credit cards and insurance products; merchant services; ATM and debit card services; and internet and mobile-banking, electronic bill pay, and remote deposit capture services. As of December 31, 2021, the company twelve full-service community banking offices in Bucks, Montgomery, and Lehigh counties in southeastern Pennsylvania. QNB Corp. was founded in 1877 and is based in Quakertown, Pennsylvania.

How the Company Makes Money

QNB generates revenue primarily through interest income from its lending activities, which includes personal loans, mortgages, and corporate loans. Additionally, the bank earns significant revenue from fees and commissions associated with its retail and corporate banking services, such as account maintenance fees, transaction fees, and advisory fees. Investment income from its portfolio of securities and other financial instruments also contributes to its earnings. Strategic partnerships with other financial institutions and corporations enhance its service offerings and market reach, further driving its revenue growth. Furthermore, QNB's expansion into international markets and its focus on diversified financial services bolster its overall profitability.

QNB Financial Statement Overview

Summary

QNB exhibits strong revenue growth and profitability, with effective leverage management enhancing balance sheet strength. Cash flow generation is solid, though there is room for improvement in cash conversion. Attention to operating efficiency and debt management is crucial for sustained growth.

Income Statement

QNB has demonstrated strong revenue growth with a TTM revenue growth rate of 1.51%, indicating a positive trajectory. The gross profit margin and net profit margin are healthy, reflecting efficient cost management and profitability. However, the EBIT and EBITDA margins have seen some fluctuations, suggesting potential volatility in operating efficiency.

Balance Sheet

The company's debt-to-equity ratio has improved significantly over the years, indicating a reduction in leverage and a stronger equity position. Return on equity is stable, showing consistent profitability relative to shareholder equity. However, the equity ratio suggests a moderate reliance on debt financing, which could pose risks if not managed carefully.

Cash Flow

QNB's cash flow performance is solid, with a positive free cash flow growth rate in the TTM period. The operating cash flow to net income ratio indicates strong cash generation relative to earnings. However, the free cash flow to net income ratio, while healthy, suggests room for improvement in converting earnings to free cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	97.76M	90.98M	73.92M	58.15M	56.55M	51.30M
Gross Profit	54.65M	49.84M	45.84M	51.08M	51.45M	43.60M
EBITDA	18.30M	16.14M	13.50M	21.38M	22.40M	16.84M
Net Income	13.16M	11.45M	9.48M	15.92M	16.49M	12.08M
Balance Sheet
Total Assets	1.90B	1.87B	1.71B	1.67B	1.67B	1.44B
Cash, Cash Equivalents and Short-Term Investments	317.93M	11.37M	62.66M	562.42M	705.75M	474.98M
Total Debt	87.92M	83.84M	114.09M	332.65M	78.48M	127.68M
Total Liabilities	1.78B	1.77B	1.62B	1.60B	1.54B	1.31B
Stockholders Equity	121.49M	103.35M	90.82M	70.96M	136.49M	134.44M
Cash Flow
Free Cash Flow	13.44M	12.70M	13.69M	16.28M	27.21M	6.88M
Operating Cash Flow	14.85M	16.22M	14.46M	16.84M	30.39M	7.60M
Investing Cash Flow	-99.39M	-173.33M	23.04M	-71.65M	-282.49M	-185.13M
Financing Cash Flow	46.64M	145.16M	9.26M	57.32M	226.16M	199.25M

QNB Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 35.25
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For QNBC, the sentiment is Neutral. The current price of 35.25 is below the 20-day moving average (MA) of 37.63, below the 50-day MA of 36.22, and above the 200-day MA of 34.63, indicating a neutral trend. The MACD of 0.30 indicates Positive momentum. The RSI at 52.47 is Neutral, neither overbought nor oversold. The STOCH value of 50.91 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for QNBC.

QNB Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EBMT	75 Outperform	$172.56M	11.44	7.43%	2.93%	6.10%	59.32%
FNWD	73 Outperform	$161.66M	19.87	5.05%	0.97%	-7.20%	-29.17%
QNBC	70 Outperform	$139.06M	9.85	12.23%	4.33%	17.10%	36.53%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
RBKB	63 Neutral	$178.33M	17.51	3.95%	―	22.30%	―
FGBI	61 Neutral	$135.26M	-2.13	-24.07%	0.84%	1.33%	-593.24%