QNB Corp. (QNBC) vs Virginia National Bankshares Corporation (VABK)

QNB Corp. and Virginia National Bankshares Corporation are both Banks Regional companies. QNB Corp. and Virginia National Bankshares Corporation are of similar size ($291.4M and $288.7M). QNB Corp. has negative trailing earnings, so its P/E is not meaningful; Virginia National Bankshares Corporation trades at 11.6×. Virginia National Bankshares Corporation grew revenue faster over the last twelve months: 5.24% against −8.86%. Virginia National Bankshares Corporation has the higher net margin (28.2% vs −5.63%) and the higher return on invested capital (14.1% vs 0.00%). Both pay a dividend; QNB Corp. yields more (3.30% vs 2.71%). Across the 18 metrics below, Virginia National Bankshares Corporation leads on 10 and QNB Corp. on 8.

Valuation

Metric QNBC VABK Banks Regional median
P/E n/m 11.60 12.02
P/S 2.91 3.27 2.36
P/B 1.15 1.48 1.23
Price to free cash flow 10.82 12.51 10.60
EV/EBITDA n/m — —
EV/Sales 1.81 — —
Earnings yield (0.53%) 8.62% 8.21%
Free cash flow yield 9.24% 7.99% 9.23%

Profitability

Metric QNBC VABK Banks Regional median
Gross margin 51.09% 72.27% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin (5.63%) 28.18% 18.82%
Free cash flow margin 26.92% 26.16% 17.97%
Return on equity (2.88%) 13.57% 10.28%
Return on assets (0.24%) 1.52% 1.13%
Return on invested capital 0.00% 14.14% 8.45%

Growth

Metric QNBC VABK Banks Regional median
Revenue growth (TTM) (8.86%) 5.24% 6.37%
EPS growth (last fiscal year) 21.15% 12.70% 18.85%
Revenue growth, 5-year CAGR 14.19% 19.78% 12.65%
Net income growth, 5-year CAGR 3.12% 19.28% 9.81%

Health

Metric QNBC VABK Banks Regional median
Debt to equity 0.00 0.10 0.17
Current ratio 0.84 0.93 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric QNBC VABK Banks Regional median
Dividend yield 3.30% 2.71% 2.49%
Payout ratio 0.46 0.32 0.29

Size

Metric QNBC VABK Banks Regional median
Market cap 291.40m 288.65m 934.85m

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