QNB Corp. (QNBC)
OTHER OTC:QNBC
Want to see QNBC full AI Analyst Report?
Top Page
QNB
(OTC:QNBC)
Select Model
Select Model
Rating:70Outperform
Price Target:
$48.00
▲(36.17% Upside)
Action:Reiterated
Date:05/14/26
The score is driven primarily by a generally healthy financial profile with steady profitability and moderate current leverage, offset by margin normalization versus prior peaks and some recent cash flow softening. Technicals are supportive with a positive longer-term trend and MACD, though short-term momentum is mixed. Valuation is reasonable (13.594 P/E) with an attractive ~3.48% dividend yield, and corporate events are favorable due to the completed acquisition and orderly leadership succession planning.
Positive Factors
Acquisition-driven scale expansion
The closing and integration of Victory Bancorp adds tangible regional scale and branch density across Bucks, Lehigh and Montgomery counties. That expanded footprint supports durable revenue diversification, deeper local commercial lending pipelines and longer-term cross-sell opportunities as branches convert to QNB systems.
Negative Factors
Margin normalization from peak levels
Material margin compression from earlier peaks reflects weaker pricing/spread dynamics and a less favorable earnings mix. If structural pressures on spreads persist, sustaining past profitability will require either scale-driven cost saves or a shift toward higher-yield loan categories, increasing execution risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Acquisition-driven scale expansion
The closing and integration of Victory Bancorp adds tangible regional scale and branch density across Bucks, Lehigh and Montgomery counties. That expanded footprint supports durable revenue diversification, deeper local commercial lending pipelines and longer-term cross-sell opportunities as branches convert to QNB systems.
Read all positive factors
QNB (QNBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$216.94M
Dividend Yield4.33%
Average Volume (3M)2.55K
Price to Earnings (P/E)13.6
Beta (1Y)-0.14
Revenue Growth7.00%
EPS Growth23.37%
CountryUS
Employees193
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 Cap1.08
Enterprise Value/Revenue2.43
Enterprise Value/Gross Profit4.19
Enterprise Value/Ebitda12.03
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
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 | 19.40M | 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 | 56.60M | 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 | 15.92M | 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
42.40
Positive
39.33
Positive
36.84
Positive
Market Momentum
0.30
Positive
51.97
Neutral
76.72
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 44.05, below the 50-day MA of 42.40, and below the 200-day MA of 36.84, indicating a neutral trend. The MACD of 0.30 indicates Positive momentum. The RSI at 51.97 is Neutral, neither overbought nor oversold. The STOCH value of 76.72 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 | $216.94M | 13.59 | 11.52% | 4.33% | 7.00% | 23.37% | |
70 Outperform | $176.95M | 10.10 | 8.29% | 2.93% | 3.88% | 40.69% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $173.13M | 18.86 | 7.42% | ― | 36.10% | ― | |
58 Neutral | $139.60M | 17.31 | 5.92% | 0.97% | 0.68% | 199.51% | |
51 Neutral | $145.38M | 11.69 | -20.17% | 0.84% | -6.78% | -2658.21% |
* Financial Sector Average
QNBC
QNB
43.69
10.19
30.41%
EBMT
Eagle Bancorp Montana
22.22
5.97
36.72%
FGBI
First Guaranty Bancshares
8.83
-0.47
-5.02%
RBKB
Rhinebeck Bancorp
15.50
3.94
34.08%
FNWD
Finward Bancorp
32.24
2.20
7.31%
ECBK
ECB Bancorp, Inc.
18.33
2.15
13.29%
QNB Corporate Events
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...
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.