QNB AI Stock Analysis
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QNB (QNBC) AI Stock Analysis
QNB
(NASDAQ:QNBC)
QNBC's overall score is supported by strong technical momentum, proactive corporate actions including a Nasdaq up-listing, and a highly stable balance sheet. The most significant drag on the score is near-term unprofitability and a negative P/E ratio, though this is heavily driven by a strategic portfolio repositioning designed to enhance future yields. The bank remains well-capitalized with solid free cash flow to support long-term recovery.
QNB (QNBC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $293.25M
- Dividend Yield
- 3.29%
- Average Volume (3M)
- 37.57K
- Price to Earnings (P/E)
- -188.6
- Beta (1Y)
- -0.03
- Revenue Growth
- -10.98%
- EPS Growth
- -107.39%
- Country
- US
- Employees
- 194
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 mar...
QNB Financial Statement Overview
Summary
QNB exhibits a robust balance sheet with significant deleveraging, surging equity, and resilient free cash flow. However, these strengths are heavily offset by a deteriorating income statement, characterized by an 18.7% revenue contraction and a shift to net losses in the TTM period.
Income Statement
35NegativeBalance Sheet
82Very PositiveCash Flow
78Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 84.55M | 97.32M | 90.98M | 73.92M | 58.15M | 56.55M |
| Gross Profit | 40.12M | 55.46M | 49.84M | 45.84M | 51.08M | 51.45M |
| EBITDA | 7.56M | 19.58M | 16.14M | 13.50M | 21.38M | 22.40M |
| Net Income | -5.01M | 14.09M | 11.45M | 9.48M | 15.92M | 16.49M |
Balance Sheet | ||||||
| Total Assets | 2.36B | 1.90B | 1.87B | 1.71B | 1.67B | 1.67B |
| Cash, Cash Equivalents and Short-Term Investments | 106.43M | 618.35M | 11.37M | 62.66M | 562.42M | 705.75M |
| Total Debt | 57.57M | 119.87M | 83.84M | 114.09M | 332.65M | 78.48M |
| Total Liabilities | 2.14B | 1.78B | 1.77B | 1.62B | 1.60B | 1.54B |
| Stockholders Equity | 226.18M | 129.56M | 103.35M | 90.82M | 70.96M | 136.49M |
Cash Flow | ||||||
| Free Cash Flow | 16.78M | 15.49M | 12.70M | 13.69M | 16.28M | 27.21M |
| Operating Cash Flow | 17.19M | 16.62M | 16.22M | 14.46M | 16.84M | 30.39M |
| Investing Cash Flow | 50.42M | -23.38M | -173.33M | 23.04M | -71.65M | -282.49M |
| Financing Cash Flow | -36.47M | 6.34M | 145.16M | 9.26M | 57.32M | 226.16M |
QNB Technical Analysis
Price Trends
Market Momentum
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 47.16 is above the 20-day moving average (MA) of 46.85, above the 50-day MA of 46.01, and above the 200-day MA of 42.60, indicating a bullish trend. The MACD of 0.44 indicates Positive momentum. The RSI at 58.59 is Neutral, neither overbought nor oversold. The STOCH value of 39.96 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.
Latest Risks Added
0 New RisksQNB Peers Comparison
Overall Rating
RBKB75Outperform
FNWD71Outperform- QNBC67Neutral
FGBI66Neutral
EBMT63Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| RBKB | 75Outperform | $204.05M | 14.83 | 6.49% | ― | 9.53% | 104.84% |
| FNWD | 71Outperform | $189.74M | 24.47 | 4.50% | 1.10% | -0.26% | -6.38% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| QNBC | 67Neutral | $293.25M | -188.64 | -2.99% | 3.29% | -10.98% | -107.39% |
| FGBI | 66Neutral | $205.48M | 11.03 | 9.18% | 0.32% | -2.49% | ― |
| EBMT | 63Neutral | $160.82M | 10.25 | 7.98% | 2.90% | 1.34% | 13.99% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| QNBC | QNB Corp | 47.16 | 13.38 | 39.59% | |
| EBMT | Eagle Bancorp Montana | 20.19 | 4.69 | 30.22% | |
| FGBI | First Guaranty Bancshares | 12.35 | 7.26 | 142.82% | |
| RBKB | Rhinebeck Bancorp | 13.05 | 6.01 | 85.40% | |
| FNWD | Finward Bancorp | 43.81 | 9.10 | 26.23% | |
| ECBK | ECB Bancorp, Inc. | 20.79 | 3.38 | 19.41% |
QNB Corporate Events
QNB Corp Strategically Repositions Securities Portfolio for Yield
PositiveOn September 8, 2026, QNB Corp. announced it had executed a strategic repositioning of its available-for-sale securities portfolio, selling $254.4 million in book value of low-yield securities, equal to about 46.8% of its total securities holdings, a...
QNB launches Nasdaq listing and major equity offering
PositiveOn August 19, 2026, QNB Corp. and its subsidiary QNB Bank entered into an underwriting agreement to sell 1,071,428 common shares at $42.00 each in an underwritten public offering, with a 30‑day option for an additional 160,714 shares that was fully e...
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.
Date of analysis: Nov 06, 2026