QNB (QNBC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

QNB

NasdaqCM•Financial Services•Banks - Regional

$45.00-0.25(-0.01%)Pre-market

Market Cap

$223.59M

P/E

16.7x

P/S

2.1x

P/B

1.2x

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 market accounts, interest-bearing demand accounts, club accounts, traditional statement savings accounts, and online savings account, as well as time deposits, including certificates of deposit and individual retirement accounts. It also provides commercial real estate loans comprising construction and land development loans; industrial loans; commercial and industrial loans; residential real estate loans; residential mortgage loans; consumer loans; fixed-rate home equity loans and variable-rate home equity lines of credit; and purchases investment securities. In addition, the company offers retail brokerage and advisory services; insurance products; merchant services; ATM, and debit and credit card services; and internet and mobile-banking, electronic bill pay, and remote deposit capture services. QNB Corp. was founded in 1877 and is based in Quakertown, Pennsylvania.

How this company scores

WeakMetricSide Score: 70/100

Grade capped at D — Interest coverage below 1× (0.3x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (23/25); weakest: Profitability (13/25).

Profitability13/25

Growth16/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowStrong marginsLow leverageCash-backed earnings

Grade capped at D

Interest coverage below 1× (0.3x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 16.7x5y range 5.5x – 16.7x

Currently above its 20-quarter median.

P/S · 2.1x5y range 1.0x – 2.4x

Currently above its 20-quarter median.

P/B · 1.2x5y range 0.9x – 1.7x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Cash Burn

Watch

FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.

Price & Volume

Market Cap $223.59M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $108.10M
Q. Revenue: $32.77M
TTM EBITDA: $19.63M
TTM Op. Income: $17.14M
Q. Op. Income: $3.83M
TTM Net Income: $13.41M
Q. Net Income: $3.02M
EPS: $0.61
Shares Out.: $4.97M

$108.10M in TTM revenue grew 12.2% YoY, reaching $32.77M last quarter. TTM EBITDA of $19.63M and TTM operating income of $17.14M show growth is flowing through to the bottom line. TTM net income of $13.41M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 62.5%
EBITDA Margin: 13.3%
Op. Margin: 11.7%
Net Margin: 9.2%

Op. margin of 11.7% is down 8.0% YoY — costs are rising relative to revenue. Net margin at 9.2% and gross margin of 62.5% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 16.7x
P/S Ratio: 2.1x
P/B Ratio: 1.2x

At 16.7x P/E, the stock trades within typical market levels. P/S of 2.1x and P/B of 1.2x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.40B
Cash: $79.34M
Long-Term Debt: $54.02M
Book Value: $183.51M
D/E Ratio: 0.3
Debt/EBITDA: 12.4

With $2.40B in assets and $54.02M in long-term debt, D/E is 0.3and book value is $183.51M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 6 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $6.88M
TTM Free Cash Flow: $14.58M
FCF Margin: 13.5%
FCF / Net Income: 1.1

TTM FCF of $14.58M on $6.88M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 19% — an improving trend.