QNB Corp. (QNBC)
OTHER OTC:QNBC
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QNB
(OTC:QNBC)
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Rating:65Neutral
Price Target:
$45.00
▲(27.66% Upside)
Action:ReiteratedDate:04/08/26
The score is driven primarily by mixed financial performance—improving cash-flow quality and normalized leverage are positives, but the sharp 2025 revenue contraction and lower margins add uncertainty. Technicals show an uptrend but overbought conditions temper near-term confidence. Valuation is supportive with a low P/E and healthy dividend, and recent M&A completion is a constructive corporate catalyst.
Positive Factors
Normalized leverage / stronger balance sheet
Leverage falling to ~0.8–0.9 versus 2022 extremes and growing equity materially reduces solvency and regulatory risk. A more conservative capital structure increases lending capacity, cushions credit cycles and supports strategic moves like acquisitions without immediate strain on liquidity.
Negative Factors
Sharp 2025 revenue decline
A ~45% top‑line drop in 2025 signals meaningful volatility in core revenue generation, weakening the predictability of earnings and cash flow. Sustained or recurrent revenue weakness would limit reinvestment, reduce scale benefits and strain the bank’s ability to grow loans and deposits organically.
Read all positive and negative factors
Positive Factors
Negative Factors
Normalized leverage / stronger balance sheet
Leverage falling to ~0.8–0.9 versus 2022 extremes and growing equity materially reduces solvency and regulatory risk. A more conservative capital structure increases lending capacity, cushions credit cycles and supports strategic moves like acquisitions without immediate strain on liquidity.
Read all positive factors
QNB (QNBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$212.56M
Dividend Yield4.33%
Average Volume (3M)2.55K
Price to Earnings (P/E)9.2
Beta (1Y)-0.15
Revenue Growth17.10%
EPS Growth36.53%
CountryUS
Employees193
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.06
Shares Outstanding4,860,656
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 Cap1.27
Enterprise Value/Revenue2.78
Enterprise Value/Gross Profit4.88
Enterprise Value/Ebitda13.82
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 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 de...
How the Company Makes Money
null...
QNB Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
55
Neutral
Cash Flow
67
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 97.32M | 90.98M | 73.92M | 58.15M | 56.55M |
| Gross Profit | 55.46M | 49.84M | 45.84M | 51.08M | 51.45M |
| EBITDA | 19.58M | 16.14M | 13.50M | 21.38M | 22.40M |
| Net Income | 14.09M | 11.45M | 9.48M | 15.92M | 16.49M |
Balance Sheet | |||||
| Total Assets | 1.90B | 1.87B | 1.71B | 1.67B | 1.67B |
| Cash, Cash Equivalents and Short-Term Investments | 618.35M | 11.37M | 62.66M | 562.42M | 705.75M |
| Total Debt | 119.87M | 83.84M | 114.09M | 332.65M | 78.48M |
| Total Liabilities | 1.78B | 1.77B | 1.62B | 1.60B | 1.54B |
| Stockholders Equity | 129.56M | 103.35M | 90.82M | 70.96M | 136.49M |
Cash Flow | |||||
| Free Cash Flow | 15.49M | 12.70M | 13.69M | 16.28M | 27.21M |
| Operating Cash Flow | 16.62M | 16.22M | 14.46M | 16.84M | 30.39M |
| Investing Cash Flow | -23.38M | -173.33M | 23.04M | -71.65M | -282.49M |
| Financing Cash Flow | 6.34M | 145.16M | 9.26M | 57.32M | 226.16M |
QNB Technical Analysis
Positive
35.25
Price Trends
38.02
Positive
36.32
Positive
35.11
Positive
Market Momentum
1.46
Negative
87.84
Negative
95.82
Negative
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 39.37, below the 50-day MA of 38.02, and above the 200-day MA of 35.11, indicating a bullish trend. The MACD of 1.46 indicates Negative momentum. The RSI at 87.84 is Negative, neither overbought nor oversold. The STOCH value of 95.82 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for QNBC.
QNB Risk Analysis
QNB disclosed 15 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 | $174.60M | 10.47 | 8.06% | 2.93% | 6.10% | 59.32% | |
68 Neutral | $173.46M | 12.98 | 7.66% | ― | 22.30% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $212.56M | 9.22 | 11.93% | 4.33% | 17.10% | 36.53% | |
58 Neutral | $151.57M | 18.95 | 5.01% | 0.97% | -7.20% | -29.17% | |
47 Neutral | $154.46M | -1.34 | -23.30% | 0.84% | 1.33% | -593.24% |
* Financial Sector Average
QNBC
QNB
43.73
10.37
31.07%
EBMT
Eagle Bancorp Montana
21.92
6.63
43.32%
FGBI
First Guaranty Bancshares
9.78
2.19
28.92%
RBKB
Rhinebeck Bancorp
15.57
5.58
55.86%
FNWD
Finward Bancorp
35.00
6.45
22.60%
ECBK
ECB Bancorp, Inc.
18.67
3.92
26.58%
QNB Corporate Events
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...
Business Operations and StrategyM&A TransactionsShareholder Meetings
QNB Shareholders Approve Merger with Victory Bancorp
Positive
Feb 19, 2026
On February 19, 2026, shareholders of QNB Corp. and The Victory Bancorp, Inc. voted to approve their previously announced merger, with QNB investors backing the Agreement and Plan of Merger first signed on September 23, 2025. At QNB’s specia...
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.