QNBC · Qnb Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $398.0K | - | - | - | $440.0K | - | - | - | $402.0K | - |
| Operating Income | $3.47M | - | $4.57M | $4.89M | $3.20M | - | $4.30M | $3.01M | $3.26M | - |
| Interest Expense | - | - | - | - | - | - | - | $9.75M | $9.40M | - |
| Income Tax | $707.0K | - | $922.0K | $1.00M | $624.0K | - | $961.0K | $544.0K | $663.0K | - |
| Net Income | $2.77M | - | $3.65M | $3.88M | $2.58M | - | $3.34M | $2.46M | $2.59M | - |
| EPS - Basic | $0.74 | - | $0.98 | $1.05 | $0.70 | - | $0.91 | $0.67 | $0.71 | - |
| EPS - Diluted | $0.73 | - | $0.98 | $1.04 | $0.69 | - | $0.91 | $0.67 | $0.71 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $56.60M | $50.30M | $66.33M | $66.47M | $81.56M | $50.71M | $104.23M | $76.91M | $50.96M | $62.66M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $1.92B | $1.91B | $1.90B | $1.88B | $1.90B | $1.87B | $1.84B | $1.76B | $1.72B | $1.71B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | $0 | $0 | $0 | $30.00M | $30.00M | $30.00M | $30.00M | $20.00M | $20.00M |
| Total Liabilities | $1.79B | $1.78B | $1.78B | $1.77B | $1.79B | $1.77B | $1.74B | $1.66B | $1.62B | $1.62B |
| Stockholders' Equity | $131.38M | $129.56M | $121.49M | $113.27M | $108.22M | $103.35M | $105.34M | $96.89M | $93.69M | $90.82M |
| Retained Earnings | $149.69M | $148.40M | $145.84M | $143.60M | $141.13M | $139.96M | $138.27M | $136.29M | $135.19M | $133.94M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | ($1.93M) | - | - | - | ($987.0K) | - | - | - | $1.60M | - |
| Investing Cash Flow | ($8.39M) | - | - | - | $7.38M | - | - | - | ($20.63M) | - |
| Financing Cash Flow | $16.63M | - | - | - | $24.45M | - | - | - | $7.33M | - |
| CapEx | - | - | - | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - | - | - | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | - | - | - | - | - | - | - | - | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 20.4% | - | 20.2% | 20.6% | 19.5% | - | 22.4% | 18.1% | 20.4% | - |
| Return on assets | 0.1% | - | 0.2% | 0.2% | 0.1% | - | 0.2% | 0.1% | 0.2% | - |
| Return on equity | 2.1% | - | 3.0% | 3.4% | 2.4% | - | 3.2% | 2.5% | 2.8% | - |
| Return on invested capital | - | - | 3.0% | 3.4% | 1.9% | - | 2.5% | 1.9% | 2.3% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | 0.00 | 0.00 | 0.00 | 0.28 | 0.29 | 0.28 | 0.31 | 0.21 | 0.22 |
| Debt / Assets | - | 0.00 | 0.00 | 0.00 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 |
| Debt / EBITDA | - | - | - | - | 8.24 | - | - | - | 5.47 | - |
| Interest coverage | - | - | - | - | - | - | - | 0.3x | 0.3x | - |
| Equity multiplier | 14.64 | 14.71 | 15.67 | 16.64 | 17.52 | 18.10 | 17.48 | 18.18 | 18.32 | 18.79 |
| Liabilities / Assets | 0.93 | 0.93 | 0.94 | 0.94 | 0.94 | 0.94 | 0.94 | 0.94 | 0.95 | 0.95 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 54.8x | - | 36.0x | 32.4x | 51.1x | - | 32.4x | 35.1x | 34.1x | - |
| P / B | 1.1x | - | 1.1x | 1.1x | 1.2x | - | 1.0x | 0.9x | 0.9x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 24.4x | - | - | - | 21.8x | - | - | - | 15.7x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 8.4% | - | 6.3% | 62.4% | -1.7% | - | 51.5% | 36.0% | -37.9% | - |
| Net income growth (YoY) | 7.3% | - | 9.3% | 57.5% | -0.6% | - | 42.4% | 30.6% | -37.0% | - |
| EPS growth (YoY) | 5.8% | - | 7.7% | 55.2% | -2.8% | - | 40.0% | 28.8% | -38.3% | - |
| EPS CAGR (3y) | -14.1% | - | 0.7% | 3.4% | -12.8% | - | -1.8% | -15.0% | -20.6% | - |
| EPS CAGR (5y) | -12.5% | - | -1.7% | -1.3% | 63.0% | - | 0.7% | -5.7% | -6.0% | - |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 21.4% | 25.4% | 15.3% | 16.9% | 15.5% | 13.8% | 42.2% | 19.7% | 11.7% | 28.0% |
Peer comparison
Same SIC group: State Commercial Banks
Comparing QNB CORP against the 5 most active filers in the same SIC group.
Dividends
$1.53/share trailing 12 months · +2.7% YoY
| Ex-date | Per share |
|---|---|
| Mar 13, 2026 | $0.3900 |
| Dec 12, 2025 | $0.3800 |
| Sep 12, 2025 | $0.3800 |
| Jun 13, 2025 | $0.3800 |
| Mar 14, 2025 | $0.3800 |
| Dec 13, 2024 | $0.3700 |
| Sep 13, 2024 | $0.3700 |
| Jun 14, 2024 | $0.3700 |
| Mar 14, 2024 | $0.3700 |
| Dec 14, 2023 | $0.3700 |
| Sep 14, 2023 | $0.3700 |
| Jun 15, 2023 | $0.3700 |
| Mar 16, 2023 | $0.3700 |
| Dec 15, 2022 | $0.3600 |
| Sep 15, 2022 | $0.3600 |
| Jun 9, 2022 | $0.3600 |
| Mar 10, 2022 | $0.3600 |
| Dec 16, 2021 | $0.3500 |
| Sep 9, 2021 | $0.3500 |
| Jun 10, 2021 | $0.3500 |
| Mar 11, 2021 | $0.3500 |
| Dec 9, 2020 | $0.3400 |
| Sep 10, 2020 | $0.3400 |
| Jun 11, 2020 | $0.3400 |