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QNB Corp.

QNBC Financial Banks Regional

QNB Corp.’s revenue for fiscal 2025 (year ended December 2025) was $99.6 million, up 9.47% from fiscal 2024.

Revenue
−74.9%
EPS
−372.5%
Free cash flow
+282.0%
Total debt
+37.9%

Quarter to September 2026, against a year earlier

46.94 0.51 −1.07%
Market cap
$291.4M
P/E
0.0×
Fwd P/E
−277×
Dividend yield
3.30%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.14
Sold, $m 0.01
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 1 9 — 1 — — — 2 — 1 — —
Sell — 1 — — — — — — — — — —
Insider Ownership 5.60%

Capital & Financial Ratios $m

Size
Market Cap 291.40
Revenue ttm 89.10
Net income ttm (5.01)
Free cash flow ttm 23.98
Net debt Q (112.36)
Valuation
P/E 0.00
Forward P/E (277.00) (negative: loss-making)
Price / sales 2.91
Forward P/S Powerpack
Price / FCF 10.82
Price / book 1.15
Financial health
Current ratio Q 0.84
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q −74.89% (below 0%: shrinking)
Operating income growth Q +41.49% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs +2.02%
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

EV/Sales, ten years
EV/Sales is 1.8×, against a ten-year median of 1.6×; over the ten years it ranged from 0.4× in 2021 to 3.4× in 2018.
P/S against its own 10 years 77.70%
10-year low 10-year high
P/B against its own 10 years 52.59%
10-year low 10-year high

Dividends

Yield
3.30%
Annual rate
1.55
Payout ratio
46.0%
Growth, 2017–25
+2.58%/yr
  1. 1.24 ’17
  2. 1.28 ’18 +3
  3. 1.32 ’19 +3
  4. 1.36 ’20 +3
  5. 1.40 ’21 +3
  6. 1.44 ’22 +3
  7. 1.48 ’23 +3
  8. 1.48 ’24 +0
  9. 1.52 ’25 +3
  10. 1.56 ’26e +3
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 65 56 57 112
Receivables — — — —
Inventory — — — —
Other — — — —
1,157 1,269 1,315 —
2023 2024 2025 Q'26
Payables 1,489 1,629 1,643 2,056
ST’ Debt — — — —
Other — — — —
1,588 1,690 1,728 —

Compound Annual Growth %

10y 5y 3y
Sales 10.14% 14.19% 19.64%
Cash Flow 6.19% 16.94% (0.42%)
Earnings 5.52% 3.12% (3.99%)
Book Value 3.66% (0.74%) 22.22%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.11 Actual 1.30

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY26 1.11 1.30 Beat by 0.19
Q4 FY26 1.21 — Reports 26 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.73 0.60 (2.67) — —
’25 0.69 1.04 0.98 1.06 3.78
’24 0.71 0.67 0.91 0.83 3.12
’23 1.15 0.52 0.65 0.31 2.63
’22 1.04 0.94 0.96 1.52 4.47
’21 1.42 1.09 0.96 1.17 4.64
’20 0.06 1.11 1.07 1.17 3.42
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 24 33 6 — —
’25 24 25 25 26 100
’24 21 22 24 24 91
’23 17 17 20 20 74
’22 13 13 14 18 58
’21 15 14 13 14 57
’20 10 14 14 14 51
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (2) 7 14 — —
’25 (1) 6 4 8 17
’24 2 4 4 7 16
’23 4 3 1 6 14
’22 2 6 5 4 17
’21 8 3 8 11 30
’20 2 0 (1) 7 8
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (3) 6 13 — —
’25 (1) 5 3 8 15
’24 1 3 2 6 13
’23 4 3 1 6 14
’22 2 5 5 4 16
’21 5 3 8 11 27
’20 2 0 (1) 7 7
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 39 45 48 55 51 57 58 74 91 100 89 +11.0% — — — —
Gross margin, % 87.83 87.37 82.98 81.50 87.44 91.79 86.37 60.87 54.71 58.42 51.09 (29.4) pt
EBT 12 14 13 15 15 20 20 12 14 18 (6) +4.6%
EBT margin, % 30.79 31.54 26.81 27.78 28.55 36.17 33.68 15.86 15.78 18.00 (7.10) (12.8) pt
Net income 9 8 11 12 12 16 16 9 11 14 (5) +5.2%
Per share, $
Per share, $ Revenue 11.49 13.12 13.89 15.65 14.50 15.91 16.32 20.47 24.77 26.80 16.11 +9.9%
Earnings 2.64 2.42 3.27 3.53 3.42 4.64 4.47 2.63 3.12 3.79 (0.25) +4.1%
Cash flow 3.35 4.71 4.81 3.97 2.15 8.55 4.72 4.00 4.42 4.47 4.85 +3.3%
Capex (0.09) (0.18) (0.70) (0.87) (0.20) (0.89) (0.15) (0.21) (0.96) (0.31) (0.52) +14.1%
Free cash flow 3.25 4.53 4.11 3.11 1.94 7.66 4.57 3.79 3.46 4.17 4.34 +2.8%
Book value 27.63 28.75 30.13 34.51 38.01 38.41 19.91 25.15 28.14 34.87 40.90 +2.6%
Shares, m 3 3 3 3 4 4 4 4 4 4 4 +1.0%
Valuation, ×
Valuation, × P/E 13.56 18.53 11.74 10.95 9.40 7.76 5.90 9.89 10.87 9.20 0.00 10.8
P/S 3.12 3.42 2.77 2.47 2.21 2.26 1.61 1.27 1.37 1.30 2.91 2.2
P/B 1.30 1.56 1.28 1.12 0.84 0.94 1.32 1.03 1.21 1.00 1.15 1.2
EV/Sales 2.72 3.02 2.48 2.16 1.62 2.18 1.42 0.66 1.51 1.13 1.81 1.9
EV/FCF 9.61 8.75 8.36 10.89 12.06 4.53 5.08 3.54 10.82 7.25 13.39 8.1
Cash, $m
Cash, $m Operating cash flow 11 16 17 14 8 30 17 14 16 17 27 +4.3%
Capex 0 (1) (2) (3) (1) (3) (1) (1) (4) (1) (3) +15.3%
Free cash flow 11 16 14 11 7 27 16 14 13 15 24 +3.9%
Balance, $m
Balance, $m Working capital (321) (303) (273) (261) (326) (584) (525) (431) (421) (413) (350) +2.8%
Net debt (15) (18) (14) (19) (30) (5) (11) (45) 13 (18) (112) +1.6%
Shareholders’ equity 94 99 104 121 134 136 71 91 103 130 226 +3.7%
Returns, %
Returns, % ROA 0.86 0.75 0.97 1.03 0.91 1.06 0.95 0.56 0.64 0.75 (0.24) (0.1) pt
ROIC 9.57 10.98 8.94 9.31 8.79 9.70 20.45 16.13 7.72 10.65 0.00 +1.1 pt
ROE 9.70 8.63 11.17 10.98 9.47 12.17 15.35 11.72 11.79 12.10 (2.88) +2.4 pt
People
People Employees 186 181 191 203 200 186 198 197 198 197 — +0.6%
Revenue/emp, $m 0.21 0.25 0.25 0.27 0.26 0.30 0.29 0.38 0.46 0.51 — +10.3%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

QNB Corp. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BPRN Princeton Bancorp, Inc. $299.7M 11.6× 11.2× −2.61% (below 0%: shrinking) +940.00% (above 0%: growing) −38.15% (below 0%: shrinking) 65.93% 0.00% Compare
FUNC First United Corporation $295.0M 11.7× 10.8× +4.79% (above 0%: growing) +3.97% (above 0%: growing) +1,978.11% (above 0%: growing) 77.40% 0.00% Compare
FVCB Fvcbankcorp, Inc. $293.8M 10.9× 10.5× +9.18% (above 0%: growing) +19.35% (above 0%: growing) −23.59% (below 0%: shrinking) 64.10% 0.00% Compare
FNRN First Northern Community Bancorp $291.4M 13.1× — +2.07% (above 0%: growing) −12.99% (below 0%: shrinking) +31.66% (above 0%: growing) 83.16% 0.00% Compare
QNBC QNB Corp. $291.4M — (loss-making) — (loss-making) −74.89% (below 0%: shrinking) n/m +282.00% (above 0%: growing) (90.91%) 0.00%
VABK Virginia National Bankshares Corporation $288.7M 11.6× 17.8× +24.86% (above 0%: growing) +110.13% (above 0%: growing) −47.94% (below 0%: shrinking) 77.48% 0.00% Compare
OVLY Oak Valley Bancorp (CA) $288.3M 12.1× — +4.45% (above 0%: growing) −8.82% (below 0%: shrinking) −20.28% (below 0%: shrinking) 85.32% 0.00% Compare
LCNB LCNB Corporation $278.5M 11.2× 10.7× −0.76% (below 0%: shrinking) +4.08% (above 0%: growing) +43.09% (above 0%: growing) 78.76% 0.00% Compare
FXNC First National Corp. $274.9M 12.7× 11.6× +2.05% (above 0%: growing) +14.29% (above 0%: growing) +60.14% (above 0%: growing) 80.94% 0.00% Compare
Median of peers $290.0M 11.6× 11.0× +3.26% +9.19% +5.69% 78.12% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 30 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 925.07k 925.07k 149.83
2024 764.67k 764.67k 140.07
2023 691.88k 691.88k 104.33

Ownership

Directors and executive officers, together 13.04%
Fourthstone LLC 6.94%
Mark T, Lynch 6.69%
Randy S. Bimes 5.33%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

QNB Corp. (QNBC) Latest News

28 Oct

Impact 4 · · Simply Wall St.

27 Oct

Impact 4 · · GlobeNewswire earnings

8 Sep

Impact 4 ·

19 Aug

Impact 3 ·

28 Jul

Impact 3 ·

28 Apr

Impact 3 ·

1 Apr

Impact 4 ·

19 Feb

Impact 4 ·
stockrow.com/QNBC · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com