Saturday 17 October 2026
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QNB Corp.
QNBC
QNB Corp.’s revenue for fiscal 2025 (year ended December 2025) was $99.6 million, up 9.47% from fiscal 2024. In the quarter to June 2026, revenue grew 32.3%, EPS fell 41.9%, free cash flow grew 10.1% and total debt rose 37.9%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five; insiders bought in the last twelve months.
45.85
0.10
+0.22%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
— | 6 | 7 | 7 | 3 | 6 | 5 | 5 | 6 | 8 |
P/E ratio |
13.56 | 18.53 | 11.74 | 10.95 | 9.40 | 7.76 | 5.90 | 9.89 | 10.87 | 9.20 |
P/S ratio |
3.12 | 3.42 | 2.77 | 2.47 | 2.21 | 2.26 | 1.61 | 1.27 | 1.37 | 1.30 |
P/FCF ratio |
11.01 | 9.90 | 9.36 | 12.44 | 16.48 | 4.70 | 5.76 | 6.86 | 9.81 | 8.39 |
P/Operating CF |
36.89 | 41.42 | 22.91 | 32.18 | 16.63 | 11.20 | 23.63 | 15.56 | 19.11 | 15.68 |
P/B ratio |
1.30 | 1.56 | 1.28 | 1.12 | 0.84 | 0.94 | 1.32 | 1.03 | 1.21 | 1.00 |
Price to Tangible BV |
1.30 | 1.56 | 1.28 | 1.12 | 0.84 | 0.94 | 1.32 | 1.03 | 1.21 | 1.01 |
EV/Sales |
2.72 | 3.02 | 2.48 | 2.16 | 1.62 | 2.18 | 1.42 | 0.66 | 1.51 | 1.13 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
9.35 | 8.41 | 7.15 | 8.52 | 10.92 | 4.05 | 4.92 | 3.35 | 8.48 | 6.75 |
EV/FCF |
9.61 | 8.75 | 8.36 | 10.89 | 12.06 | 4.53 | 5.08 | 3.54 | 10.82 | 7.25 |
Quick Ratio |
0.02 | 0.02 | 0.01 | 0.02 | 0.03 | 0.01 | 0.01 | 0.04 | 0.03 | 0.03 |
Current Ratio |
0.67 | 0.71 | 0.74 | 0.76 | 0.75 | 0.62 | 0.67 | 0.73 | 0.75 | 0.76 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 0.00% | 0.00% | 0.00% | 0.69% | 0.60% | 0.60% | 1.17% | 3.69% | 2.06% |
Debt/Equity |
0.00 | 0.00 | 0.00 | 0.00 | 0.07 | 0.07 | 0.14 | 0.22 | 0.67 | 0.30 |
Asset Turnover |
0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.03 | 0.04 | 0.05 | 0.05 |
Operating CF/Net income |
1.27 | 1.95 | 1.47 | 1.12 | 0.63 | 1.84 | 1.06 | 1.52 | 1.42 | 1.18 |
Capex/Depreciation |
(0.11) | (0.24) | (0.97) | (0.89) | (0.15) | (0.62) | (0.14) | (0.22) | (1.14) | (0.41) |
| 9.70% | 8.63% | 11.17% | 10.98% | 9.47% | 12.17% | 15.35% | 11.72% | 11.79% | 12.10% | |
| 0.86% | 0.75% | 0.97% | 1.03% | 0.91% | 1.06% | 0.95% | 0.56% | 0.64% | 0.75% | |
ROIC |
9.57% | 10.98% | 8.94% | 9.31% | 8.79% | 9.70% | 20.45% | 16.13% | 7.72% | 10.65% |
Return on Tangible Assets |
(2.85%) | (2.81%) | (4.31%) | (5.03%) | (3.89%) | (2.90%) | (3.12%) | (2.28%) | (2.84%) | (3.55%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
57.05% | 55.84% | 56.17% | 53.72% | 58.88% | 55.62% | 52.69% | 45.00% | 38.93% | 39.28% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.23% | 0.23% | 0.24% | 0.22% | 0.22% | 0.18% | 0.15% | 0.25% | 0.22% | 0.34% |
Graham Net Nets |
(2.68) | (2.00) | (2.08) | (2.01) | (3.04) | (4.71) | (5.78) | (4.89) | (4.00) | (3.55) |
Graham Number |
40.51 | 39.56 | 47.15 | 52.35 | 54.00 | 63.32 | 44.70 | 38.58 | 44.45 | 54.60 |
Earnings Yield |
7.37% | 5.40% | 8.52% | 9.13% | 10.64% | 12.89% | 16.94% | 10.12% | 9.20% | 10.87% |
Free Cash Flow Yield |
9.09% | 10.10% | 10.68% | 8.04% | 6.07% | 21.27% | 17.35% | 14.58% | 10.20% | 11.92% |
Revenue per Share |
11.49 | 13.12 | 13.89 | 15.65 | 14.50 | 15.91 | 16.32 | 20.47 | 24.77 | 26.80 |
Operating CF per Share |
3.35 | 4.71 | 4.81 | 3.97 | 2.15 | 8.55 | 4.72 | 4.00 | 4.42 | 4.47 |
Capex per Share |
(0.09) | (0.18) | (0.70) | (0.87) | (0.20) | (0.89) | (0.15) | (0.21) | (0.96) | (0.31) |
Free Cash Flow per Share |
3.25 | 4.53 | 4.11 | 3.11 | 1.94 | 7.66 | 4.57 | 3.79 | 3.46 | 4.17 |
Cash per Share |
4.53 | 5.20 | 4.12 | 5.34 | 11.41 | 4.14 | 5.92 | 18.11 | 15.29 | 15.33 |
Shareholders Equity per Share |
27.63 | 28.75 | 30.13 | 34.51 | 38.01 | 38.41 | 19.91 | 25.15 | 28.14 | 34.87 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
27.63 | 28.75 | 30.13 | 34.51 | 38.01 | 38.41 | 19.91 | 25.15 | 28.14 | 34.87 |
Free Cash Flow |
11.02 | 15.53 | 14.24 | 10.87 | 6.88 | 27.21 | 16.28 | 13.69 | 12.70 | 15.49 |
Working Capital |
(321.41) | (303.27) | (273.20) | (261.48) | (326.27) | (584.32) | (525.18) | (431.38) | (420.88) | (413.26) |
Capital Expenditures |
(0.31) | (0.63) | (2.41) | (3.03) | (0.72) | (3.17) | (0.55) | (0.76) | (3.52) | (1.14) |
Net Current Asset Value |
(324.64) | (306.95) | (277.38) | (271.09) | (344.80) | (602.74) | (542.55) | (458.78) | (498.46) | (461.54) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.01 | 0.05 | 0.06 | 0.01 | 0.06 | 0.01 | 0.01 | 0.04 | 0.01 |
Price to Operating Income |
10.12 | 10.84 | 10.34 | 8.89 | 7.74 | 6.26 | 5.01 | 8.01 | 8.68 | 6.81 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.32 | 0.31 | 0.25 | 0.22 | 0.30 | 0.31 | 0.26 | 0.23 | 0.18 | 0.16 |
Cash ROIC |
10.12% | 13.34% | 12.01% | 7.80% | 3.72% | 16.88% | 15.96% | 7.77% | 5.56% | 6.86% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.02 | 0.03 | 0.03 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
70,436.21 | 63,871.66 | 45,289.34 | 37,417.91 | 69,549.18 | 113,968.75 | 65,333.76 | 18,784.54 | 14,425.51 | 14,477.93 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
901.57 | 953.65 | 1,004.77 | 1,026.73 | 1,132.96 | 1,338.91 | 1,434.06 | 1,453.54 | 1,558.63 | 1,635.53 |
Average Assets |
1,042.04 | 1,107.74 | 1,163.89 | 1,200.24 | 1,332.63 | 1,556.78 | 1,670.92 | 1,687.41 | 1,788.61 | 1,888.45 |
Average Common Equity |
92.01 | 96.07 | 101.46 | 112.53 | 127.58 | 135.47 | 103.73 | 80.89 | 97.09 | 116.46 |
Columns are period end dates