A Business at a Glance
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QNB CORP.
QNBC
$162M
Mkt Cap
$43.40
-0.16%
QNB CORP. (QNBC) has a current P/E ratio of 13.9, compared to its historical median P/E of 8.6. The stock is currently considered Expensive based on its historical valuation range.
QNB CORP. (QNBC) has a 5-year average return on invested capital (ROIC) of 11.1%. This indicates solid capital allocation.
QNB CORP. (QNBC) has a market capitalization of $164M. It is classified as a small-cap stock.
Yes, QNB CORP. (QNBC) pays a dividend with a trailing twelve-month yield of 3.09%.
Based on historical P/E analysis, QNB CORP. (QNBC) appears expensive. The current P/E of 13.9 is 62% above its historical median of 8.6. The estimated fair value CAGR (P/E method) is -2.2%.
QNB CORP. (QNBC) operates in the State Commercial Banks industry, within the Financials sector.
QNB CORP. (QNBC) reported annual revenue of $100 million in its most recent fiscal year, based on SEC EDGAR filings.
QNB was incorporated under the laws of the Commonwealth of Pennsylvania on June 4, 1984. QNB is registered with the Board of Governors of the Federal Reserve System as a bank holding company under the Bank Holding Company Act of 1956 and conducts its business through its wholly-owned subsidiary, QNB Bank (the “Bank”). Prior to December 28, 2007, the Bank was a national banking association organized in 1877 as The Quakertown National Bank, was chartered under the National Banking Act and was subject to Federal and state laws applicable to national banks. Effective December 28, 2007, the Bank became a Pennsylvania chartered commercial bank and changed its name to QNB Bank. The Bank, whose principal office is located in Quakertown, Bucks County, Pennsylvania, operated twelve full-service community banking offices in Bucks, Montgomery and Lehigh counties in southeastern Pennsylvania as of December 31, 2024.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 60M | 100M | 91M | 74M | 58M | 57M |
| Net Income | 14M | 14M | 11M | 9.5M | 16M | 16M |
| EPS | $3.82 | $3.78 | $3.12 | $2.63 | $4.47 | $4.64 |
| Free Cash Flow | 14M | 15M | 13M | 14M | 16M | 27M |
| ROIC | 10.9% | 10.7% | 9.4% | 9.9% | 14.0% | 11.3% |
| Gross Margin | - | 0.0% | - | - | - | - |
| Debt/Equity | 0.66 | 0.62 | 0.81 | 1.26 | 2.41 | 0.57 |
| Dividends/Share | $1.34 | $1.52 | $1.48 | $1.48 | $1.44 | $1.40 |
| Operating Income | 612K | 18M | 14M | 686K | 20M | 20M |
| Operating Margin | 1.0% | 18.0% | 15.8% | 0.9% | 33.7% | 36.2% |
| ROE | 10.9% | 12.1% | 11.8% | 11.7% | 15.3% | 12.2% |
| Shares Outstanding | 4M | 4M | 4M | 4M | 4M | 4M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 38M | 38M | 39M | 45M | 48M | 55M | 51M | 57M | 58M | 74M | 91M | 100M | 60M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 12M | 12M | 12M | 13M | 14M | 16M | 17M | 17M | 17M | 19M | 20M | 21M | 22M |
| EBIT | 12M | 11M | 12M | 442K | 618K | 636K | 15M | 20M | 20M | 686K | 14M | 18M | 612K |
| Op. Margin | 30.5% | 28.5% | 30.8% | 1.0% | 1.3% | 1.2% | 28.6% | 36.2% | 33.7% | 0.9% | 15.8% | 18.0% | 1.0% |
| Net Income | 9.0M | 8.2M | 8.9M | 8.3M | 11M | 12M | 12M | 16M | 16M | 9.5M | 11M | 14M | 14M |
| Net Margin | 23.5% | 21.7% | 22.9% | 18.4% | 23.6% | 22.6% | 23.6% | 29.2% | 27.4% | 12.8% | 12.6% | 14.1% | 23.8% |
| Non-Recurring | 1.1M | 893K | 1.1M | 1.7M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 10.8% | 9.3% | 9.7% | 8.6% | 11.2% | 11.0% | 9.1% | 11.3% | 14.0% | 9.9% | 9.4% | 10.7% | 10.9% |
| ROE | 11.1% | 9.3% | 9.7% | 8.6% | 11.2% | 11.0% | 9.5% | 12.2% | 15.3% | 11.7% | 11.8% | 12.1% | 10.9% |
| ROA | 0.9% | 0.8% | 0.9% | 0.7% | 1.0% | 1.0% | 0.9% | 1.1% | 1.0% | 0.6% | 0.6% | 0.7% | 0.7% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 6.0M | 9.1M | 11M | 16M | 17M | 14M | 7.6M | 30M | 17M | 14M | 16M | 17M | 16M |
| Free Cash Flow | 5.0M | 8.5M | 11M | 16M | 14M | 11M | 6.9M | 27M | 16M | 14M | 13M | 15M | 14M |
| Owner Earnings | 4.7M | 8.0M | 10M | 15M | 16M | 12M | 5.5M | 28M | 15M | 13M | 14M | 15M | 14M |
| CapEx | 995K | 580K | 317K | 634K | 2.4M | 3.1M | 722K | 3.2M | 552K | 765K | 3.5M | 1.1M | 1.7M |
| Maint. CapEx | 1.2M | 1.0M | 891K | 821K | 990K | 1.8M | 2.0M | 1.8M | 1.7M | 1.7M | 1.7M | 1.6M | 1.6M |
| Growth CapEx | 0 | 0 | 0 | 0 | 1.4M | 1.3M | 0 | 1.3M | 0 | 0 | 1.8M | 0 | 89K |
| D&A | 1.2M | 1.0M | 891K | 821K | 990K | 1.8M | 2.0M | 1.8M | 1.7M | 1.7M | 1.7M | 1.6M | 1.6M |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10.5% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 3.3M | 3.4M | 3.6M | 3.7M | 3.9M | 4.1M | 4.2M | 4.4M | 4.5M | 4.7M | 4.8M | 5.0M | 5.1M |
| Dividend Yield | 6.1% | 5.4% | 4.8% | 3.9% | 3.4% | 4.3% | 5.1% | 4.4% | 4.8% | 6.0% | 5.2% | N/A | 3.1% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 83K | 85K | 88K | 102K | 117K | 118K | 112K | 102K | 85K | 185K | 199K | 334K | 378K |
| Debt Repayment | 5.0M | 2.0M | 15M | 3.1M | 4.9M | 5.1M | 2.9M | 9.6M | 93M | 10M | 40M | 30M | 30M |
| Balance Sheet | |||||||||||||
| Net Debt | -18M | 20M | 42M | -335M | -307M | -311M | -406M | -627M | -391M | -439M | -513M | -513M | -498M |
| Cash & Equiv. | 18M | 17M | 11M | 16M | 13M | 18M | 39M | 13M | 16M | 63M | 51M | 50M | 585M |
| Long-Term Debt | 70K | N/A | N/A | N/A | N/A | N/A | 10M | 10M | 10M | 20M | 30M | 0 | N/A |
| Debt/Equity | 0.00 | 0.41 | 0.56 | 0.57 | 0.49 | 0.46 | 0.51 | 0.57 | 2.41 | 1.26 | 0.81 | 0.62 | 0.66 |
| Interest Coverage | 3.6 | 3.4 | 3.5 | 0.1 | 0.1 | 0.1 | 3.3 | 5.4 | 3.5 | 0.1 | 2.4 | 0.0 | 0.1 |
| Equity | 86M | 90M | 94M | 99M | 104M | 121M | 134M | 136M | 71M | 91M | 103M | 130M | 131M |
| Total Assets | 977M | 1.0B | 1.1B | 1.2B | 1.2B | 1.2B | 1.4B | 1.7B | 1.7B | 1.7B | 1.9B | 1.9B | 1.9B |
| Total Liabilities | 891M | 930M | 970M | 1.1B | 1.1B | 1.1B | 1.3B | 1.5B | 1.6B | 1.6B | 1.8B | 1.8B | 1.8B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Retained Earnings | 71M | 75M | 80M | 84M | 92M | 99M | 107M | 118M | 129M | 134M | 140M | 148M | 150M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 2.72 | 2.46 | 2.63 | 2.41 | 3.25 | 3.53 | 3.42 | 4.64 | 4.47 | 2.63 | 3.12 | 3.78 | 3.82 |
| Owner EPS | 1.43 | 2.39 | 3.05 | 4.43 | 4.46 | 3.41 | 1.54 | 8.01 | 4.22 | 3.48 | 3.90 | 3.94 | 3.63 |
| Book Value | 26.10 | 27.02 | 27.58 | 28.66 | 29.92 | 34.48 | 38.05 | 38.40 | 19.92 | 25.19 | 28.17 | 34.76 | 34.72 |
| Cash Flow/Share | 1.81 | 2.72 | 3.34 | 4.70 | 4.77 | 3.97 | 2.15 | 8.55 | 4.73 | 4.01 | 4.42 | 4.46 | 4.19 |
| Dividends/Share | 1.12 | 1.16 | 1.20 | 1.24 | 1.28 | 1.32 | 1.36 | 1.40 | 1.44 | 1.48 | 1.48 | 1.52 | 1.34 |
| Shares Out. | 3.3M | 3.3M | 3.4M | 3.4M | 3.5M | 3.5M | 3.5M | 3.6M | 3.6M | 3.6M | 3.7M | 3.7M | 3.8M |
| Valuation | |||||||||||||
| P/E Ratio | 6.7 | 8.2 | 9.3 | 13.0 | 8.6 | 8.2 | 7.3 | 6.3 | 5.0 | 8.9 | 10.4 | N/A | 11.4 |
| P/FCF | 12.1 | 7.9 | 7.5 | 6.9 | 6.8 | 9.4 | 12.9 | 3.8 | 4.9 | 6.2 | 9.4 | N/A | 11.7 |
| EV/EBIT | N/A | 5.7 | 7.5 | 332.3 | 217.8 | 220.3 | 5.6 | 6.7 | 8.6 | 169.4 | 5.0 | N/A | -545.0 |
| Price/Book | 0.7 | 0.7 | 0.9 | 1.1 | 0.9 | 0.8 | 0.7 | 0.8 | 1.1 | 0.9 | 1.2 | N/A | 1.3 |
| Price/Sales | 1.6 | 1.9 | 2.2 | 2.4 | 2.8 | 2.1 | 1.8 | 1.9 | 1.9 | 1.7 | 1.9 | N/A | 2.7 |
| FCF Yield | 8.3% | 12.7% | 13.3% | 14.5% | 14.6% | 10.6% | 7.8% | 26.2% | 20.4% | 16.2% | 10.6% | N/A | 8.5% |
| Market Cap | 60M | 67M | 83M | 107M | 97M | 102M | 89M | 104M | 80M | 85M | 119M | 0 | 164M |
| Avg. Price | 16.41 | 18.97 | 21.70 | 27.84 | 32.26 | 27.38 | 23.25 | 28.27 | 26.27 | 21.75 | 25.27 | 0.00 | 43.40 |
| Year-End Price | 18.15 | 20.07 | 24.43 | 31.24 | 27.87 | 29.07 | 25.10 | 29.18 | 22.42 | 23.51 | 32.50 | 0.00 | 43.40 |
QNB CORP. passes 3 of 9 quality checks, indicating weak fundamentals.
QNB CORP. trades at 13.9x trailing earnings, compared to its 15-year median P/E of 8.6x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 9.8x vs a median of 6.9x. The company's 5-year average ROIC is 11.1%. Total shareholder yield (dividends) is 3.1%. At current prices, the estimated annualized return to fair value is +2.5%.
QNB CORP. (QNBC) has a net profit margin of 14.1%. This is a healthy margin.
QNB CORP. (QNBC) generated $15 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
QNB CORP. (QNBC) has a debt-to-equity ratio of 0.62. This indicates moderate leverage.
QNB CORP. (QNBC) reported earnings per share (EPS) of $3.78 in its most recent fiscal year.
QNB CORP. (QNBC) has a return on equity (ROE) of 12.1%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for QNB CORP. (QNBC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
QNB CORP. (QNBC) has a book value per share of $34.76, based on its most recent annual SEC filing.
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