Want to see QNBC full AI Analyst Report?
Top Page
QNB
(NASDAQ:QNBC)
Select Model
Select Model
Rating:68Neutral
Price Target:
$49.00
▲(8.99% Upside)
Action:Reiterated
Date:09/08/26
The score is driven primarily by solid (but cooling) financial performance—strong revenue growth and improved leverage offset by lower margins/ROE and softer recent cash flow. Technicals are supportive with price above major moving averages and positive MACD. Valuation is reasonable with a moderate P/E and a ~3.4% dividend yield, while corporate events are a net positive due to capital raising/Nasdaq listing and a yield-improving portfolio repositioning (with near-term loss impact).
Positive Factors
Sustained revenue growth
Revenue has expanded substantially across the reported multi-year period, indicating broader business activity and continued demand. If this growth persists, it can support operating scale, strengthen the bank’s competitive position, and provide a durable base for future earnings.
Negative Factors
Compressed profit margins
The sustained decline in net margin shows that strong revenue growth has not translated proportionally into profitability. Lower margins reduce earnings resilience and leave less room for operating or funding pressures, making future performance more dependent on restoring efficiency.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained revenue growth
Revenue has expanded substantially across the reported multi-year period, indicating broader business activity and continued demand. If this growth persists, it can support operating scale, strengthen the bank’s competitive position, and provide a durable base for future earnings.
Read all positive factors
QNB (QNBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$281.39M
Dividend Yield3.4%
Average Volume (3M)8.98K
Price to Earnings (P/E)13.3
Beta (1Y)-0.06
Revenue Growth10.58%
EPS Growth-2.53%
CountryUS
Employees194
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.40
Shares Outstanding6,211,712
10 Day Avg. Volume12,984
30 Day Avg. Volume8,983
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 ...
QNB Financial Statement Overview
Summary
Income Statement
71
Positive
Balance Sheet
67
Positive
Cash Flow
56
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 104.05M | 97.32M | 90.98M | 73.92M | 58.15M | 56.55M |
| Gross Profit | 61.54M | 55.46M | 49.84M | 45.84M | 51.08M | 51.45M |
| EBITDA | 30.57M | 19.58M | 16.14M | 13.50M | 21.38M | 22.40M |
| Net Income | 13.41M | 14.09M | 11.45M | 9.48M | 15.92M | 16.49M |
Balance Sheet | ||||||
| Total Assets | 2.40B | 1.90B | 1.87B | 1.71B | 1.67B | 1.67B |
| Cash, Cash Equivalents and Short-Term Investments | 79.34M | 618.35M | 11.37M | 62.66M | 562.42M | 705.75M |
| Total Debt | 129.45M | 119.87M | 83.84M | 114.09M | 332.65M | 78.48M |
| Total Liabilities | 2.22B | 1.78B | 1.77B | 1.62B | 1.60B | 1.54B |
| Stockholders Equity | 183.51M | 129.56M | 103.35M | 90.82M | 70.96M | 136.49M |
Cash Flow | ||||||
| Free Cash Flow | 10.39M | 15.49M | 12.70M | 13.69M | 16.28M | 27.21M |
| Operating Cash Flow | 11.55M | 16.62M | 16.22M | 14.46M | 16.84M | 30.39M |
| Investing Cash Flow | -9.05M | -23.38M | -173.33M | 23.04M | -71.65M | -282.49M |
| Financing Cash Flow | 16.82M | 6.34M | 145.16M | 9.26M | 57.32M | 226.16M |
QNB Technical Analysis
Positive
44.96
Price Trends
43.89
Positive
43.78
Positive
40.03
Positive
Market Momentum
0.43
Negative
68.56
Neutral
70.25
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 44.96 is above the 20-day moving average (MA) of 44.47, above the 50-day MA of 43.89, and above the 200-day MA of 40.03, indicating a bullish trend. The MACD of 0.43 indicates Negative momentum. The RSI at 68.56 is Neutral, neither overbought nor oversold. The STOCH value of 70.25 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 |
|---|---|---|---|---|---|---|---|
71 Outperform | $200.45M | 13.93 | 7.20% | ― | 34.21% | ― | |
69 Neutral | $190.22M | 19.17 | 5.68% | 1.10% | 0.32% | 84.94% | |
68 Neutral | $281.39M | 13.32 | 9.48% | 3.40% | 10.58% | -2.53% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $182.33M | 11.11 | 8.36% | 2.54% | 1.82% | 27.47% | |
45 Neutral | $141.24M | -3.31 | -16.19% | 0.47% | -8.66% | -155.96% |
* Financial Sector Average
QNBC
QNB
45.30
11.44
33.78%
EBMT
Eagle Bancorp Montana
22.89
5.94
35.06%
FGBI
First Guaranty Bancshares
8.54
0.27
3.21%
RBKB
Rhinebeck Bancorp
12.82
3.52
37.85%
FNWD
Finward Bancorp
43.90
12.34
39.12%
ECBK
ECB Bancorp, Inc.
20.76
3.86
22.88%
QNB Corporate Events
Business Operations and StrategyFinancial Disclosures
QNB Corp Strategically Repositions Securities Portfolio for Yield
Positive
Sep 8, 2026
On 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...
Business Operations and StrategyDelistings and Listing ChangesPrivate Placements and FinancingRegulatory Filings and Compliance
QNB launches Nasdaq listing and major equity offering
Positive
Aug 20, 2026
On 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 wa...
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. ...
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.