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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $1.60M | $1.73M | $1.71M | $1.72M | $1.83M | $2.04M |
| Operating Income | $17.93M | $14.36M | $11.73M | $19.59M | $20.45M | $14.64M |
| Interest Expense | - | - | $28.93M | $7.92M | $4.64M | $6.45M |
| Income Tax | $3.84M | $2.91M | $2.24M | $3.67M | $3.96M | $2.56M |
| Net Income | $14.09M | $11.45M | $9.48M | $15.92M | $16.49M | $12.08M |
| EPS - Basic | $3.79 | $3.12 | $2.63 | $4.47 | $4.64 | $3.42 |
| EPS - Diluted | $3.78 | $3.12 | $2.63 | $4.47 | $4.64 | $3.42 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $50.30M | $50.71M | $62.66M | $15.90M | $13.39M | $39.33M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $1.91B | $1.87B | $1.71B | $1.67B | $1.67B | $1.44B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $0 | $30.00M | $20.00M | $10.00M | $10.00M | $10.00M |
| Total Liabilities | $1.78B | $1.77B | $1.62B | $1.60B | $1.54B | $1.31B |
| Stockholders' Equity | $129.56M | $103.35M | $90.82M | $70.96M | $136.49M | $134.44M |
| Retained Earnings | $148.40M | $139.96M | $133.94M | $128.95M | $118.16M | $106.64M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $16.62M | $16.22M | $14.46M | $16.84M | $30.39M | $7.60M |
| Investing Cash Flow | ($23.38M) | ($173.33M) | $23.04M | ($71.65M) | ($282.49M) | ($185.13M) |
| Financing Cash Flow | $6.34M | $145.16M | $9.26M | $57.32M | $226.16M | $199.25M |
| CapEx | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| 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 | 21.4% | 20.3% | 19.1% | 18.7% | 19.4% | 17.5% |
| Return on assets | 0.7% | 0.6% | 0.6% | 1.0% | 1.0% | 0.8% |
| Return on equity | 10.9% | 11.1% | 10.4% | 22.4% | 12.1% | 9.0% |
| Return on invested capital | 10.9% | 8.6% | 8.6% | 19.7% | 11.3% | 8.4% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.00 | 0.29 | 0.22 | 0.14 | 0.07 | 0.07 |
| Debt / Assets | 0.00 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 |
| Debt / EBITDA | 0.00 | 1.87 | 1.49 | 0.47 | 0.45 | 0.60 |
| Interest coverage | - | - | 0.4x | 2.5x | 4.4x | 2.3x |
| Equity multiplier | 14.71 | 18.10 | 18.79 | 23.51 | 12.26 | 10.71 |
| Liabilities / Assets | 0.93 | 0.94 | 0.95 | 0.96 | 0.92 | 0.91 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 9.3x | 10.9x | 9.9x | 5.9x | 7.8x | 9.4x |
| P / B | 1.0x | 1.2x | 1.0x | 1.3x | 0.9x | 0.8x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 4.1x | 6.5x | 3.8x | 4.1x | 5.6x | 5.0x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 24.9% | 22.4% | -40.1% | -4.2% | 39.7% | -3.7% |
| Net income growth (YoY) | 23.1% | 20.7% | -40.4% | -3.5% | 36.5% | -2.2% |
| EPS growth (YoY) | 21.2% | 18.6% | -41.2% | -3.7% | 35.7% | -3.1% |
| EPS CAGR (3y) | -5.4% | -12.4% | -8.4% | 8.2% | 12.6% | 12.4% |
| EPS CAGR (5y) | 2.0% | -2.4% | -4.1% | 13.2% | 12.0% | 6.8% |
| FCF growth (YoY) | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - |
| Book value growth (YoY) | 25.4% | 13.8% | 28.0% | -48.0% | 1.5% | 11.4% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- ✓Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- -Asset turnover improved
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 |