QNB CORP.
QNB CORP.
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 27 | 18 | 13 | 13 | 18 | 18 | 11 | 17 | 16 | 12 | 11 | 12 | |||||
Interest Bearing Deposits In Banks | 53 | 39 | 37 | 54 | 48 | 64 | 39 | 87 | 61 | 38 | 51 | 43 | |||||
Cash And Cash Equivalents At Carrying Value | 79 | 57 | 50 | 66 | 66 | 82 | 51 | 104 | 77 | 51 | 63 | 55 | |||||
Available For Sale Securi… | |||||||||||||||||
Available For Sale Securities Debt Securities | 517 | 528 | 543 | 538 | 544 | 547 | 547 | 510 | 460 | 482 | 490 | 505 | |||||
Restricted Investments | 7 | 7 | 7 | 5 | 6 | 5 | 5 | 4 | 3 | 3 | 3 | 3 | |||||
Assets | |||||||||||||||||
Assets | 2,399 | 1,923 | 1,906 | 1,903 | 1,885 | 1,896 | 1,871 | 1,842 | 1,761 | 1,716 | 1,706 | 1,684 | |||||
Loans And Leases Receivable Net Of Deferred Income | - | - | - | - | - | - | - | - | - | 1,123 | 1,094 | - | |||||
Equity Securities Fv Ni | - | - | 0 | - | - | - | 0 | 3 | 7 | 6 | 6 | 5 | |||||
Loans Receivable Held For Sale Amount | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 0 | 1 | - | 1 | 0 | |||||
Financing Receivable Allowance For Credit Losses | - | -10 | -9 | -9 | -9 | -9 | -9 | -9 | -9 | -9 | -9 | -9 | |||||
Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | -9 | -9 | - | |||||
Notes Receivable Net | 1,704 | 1,273 | 1,253 | 1,237 | 1,209 | 1,203 | 1,207 | 1,162 | 1,153 | 1,114 | 1,085 | 1,052 | |||||
Bank Owned Life Insurance | 19 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | |||||
Property Plant And Equipment Net | 25 | 18 | 17 | 17 | 17 | 17 | 17 | 17 | 15 | 15 | 15 | 15 | |||||
Interest Receivable | 6 | 5 | 5 | 5 | 5 | 5 | 5 | 4 | 6 | 6 | 6 | 6 | |||||
Deferred Income Tax Assets Net | 13 | 14 | 14 | 15 | 17 | 17 | 18 | 17 | 18 | 19 | 19 | 24 | |||||
Other Assets | 9 | 8 | 5 | 7 | 7 | 8 | 8 | 8 | 8 | 9 | 7 | 7 | |||||
Liabilities | |||||||||||||||||
Noninterest Bearing Domestic Deposit Demand | 266 | 188 | 190 | 189 | 201 | 204 | 183 | 190 | 190 | 188 | 185 | 192 | |||||
Interest Bearing Domestic Deposit Demand | 627 | 550 | 535 | 566 | 520 | 533 | 538 | 541 | 482 | 460 | 463 | 470 | |||||
Deposits Money Market Deposits | 388 | 259 | 261 | 264 | 259 | 263 | 250 | 242 | 235 | 236 | 223 | 218 | |||||
Deposits | |||||||||||||||||
Deposits | 2,067 | 1,653 | 1,643 | 1,682 | 1,652 | 1,665 | 1,629 | 1,626 | 1,573 | 1,536 | 1,489 | 1,483 | |||||
Deposits Savings Deposits | 352 | 291 | 281 | 275 | 282 | 286 | 275 | 272 | 287 | 294 | 303 | 313 | |||||
Time Deposits Less Than100000 | - | 161 | 167 | 174 | 180 | 177 | 178 | 178 | 176 | 164 | 150 | 137 | |||||
Short Term Borrowings | 75 | 87 | 81 | 49 | 67 | 43 | 54 | 23 | 49 | 55 | 94 | 97 | |||||
Long Term Debt | - | - | - | - | - | - | - | - | 30 | 20 | 20 | 20 | |||||
Subordinated Debt | 54 | 39 | 39 | 39 | 39 | 39 | 39 | 39 | - | - | - | - | |||||
Interest Payable Current And Noncurrent | 4 | 4 | 5 | 4 | 6 | 4 | 8 | 5 | 4 | 4 | 5 | 3 | |||||
Other Liabilities | 15 | 9 | 9 | 8 | 7 | 7 | 9 | 13 | 8 | 7 | 7 | 7 | |||||
Liabilities | 2,215 | 1,792 | 1,776 | 1,782 | 1,772 | 1,788 | 1,768 | 1,736 | 1,665 | 1,622 | 1,615 | 1,610 | |||||
Common Stock Value | 3 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Additional Paid In Capital Common Stock | 77 | 30 | 29 | 29 | 28 | 28 | 28 | 27 | 27 | 27 | 26 | 26 | |||||
Stockholders Equity | |||||||||||||||||
Retained Earnings Accumulated Deficit | 151 | 150 | 148 | 146 | 144 | 141 | 140 | 138 | 136 | 135 | 134 | 134 | |||||
Stockholders Equity | 184 | 131 | 130 | 121 | 113 | 108 | 103 | 105 | 97 | 94 | 91 | 74 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -44 | -47 | -46 | -52 | -57 | -59 | -63 | -59 | -65 | -67 | -68 | -85 | |||||
Treasury Stock Value | -4 | -4 | -4 | -4 | -4 | -4 | -4 | -4 | -4 | -4 | -4 | -4 | |||||
Liabilities And Stockholders Equity | 2,399 | 1,923 | 1,906 | 1,903 | 1,885 | 1,896 | 1,871 | 1,842 | 1,761 | 1,716 | 1,706 | 1,684 | |||||
Available For Sale Debt Securities Amortized Cost … | 573 | 588 | 602 | 604 | 617 | 623 | 626 | 585 | 542 | 566 | 576 | 612 | |||||
Common Stock Par Or Stated Value Per Share | 0.625 | 0.625 | 0.625 | 0.625 | 0.625 | 0.625 | 0.625 | 0.625 | 0.625 | 0.625 | 0.625 | 0.625 | |||||
Common Stock Shares Authorized | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | |||||
Equity Securities Fv Ni Cost | - | - | - | - | - | - | 0 | 1 | 6 | 6 | 6 | 5 | |||||
Common Stock Shares Issued | 5 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | |||||
Shares Outstanding | 5 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | |||||
Treasury Stock Common Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.48% | -0.13% | -0.66% | - | - | - | - | - | - | - | - | - |
| 2025 | -0.91% | 0.65% | 3.49% | 1.42% | 2.26% | 1.48% | 0.11% | 0.49% | 1.07% | 18.35% | 19.03% | 17.73% |
| 2024 | 2.13% | 3.78% | 30.33% | 2.59% | 3.57% | 7.65% | 3.16% | 7.33% | 7.36% | -2.10% | -1.68% | -4.81% |
| 2023 | - | - | - | - | - | - | 0.67% | 17.46% | 19.54% | 3.17% | 0.00% | 2.13% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.61 | -0.31 | 0.32 | 10.12 | 10.27 | 2.25 | 1.70 | 1.42 | 1.29 | 1.29 | 1.41 | 1.74 | |||||
Efficiency & Turnover | |||||||||||||||||
| Days Sales Outstanding TTM | - | - | - | - | - | - | - | - | - | 5,598.66 | 5,634.72 | - | |||||
| Receivables Turnover TTM | - | - | - | - | - | - | - | - | - | 0.07 | 0.06 | - | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 2.68 | 3.78 | 3.78 | 3.52 | 3.45 | 3.08 | 3.12 | 2.59 | 2.33 | 2.18 | 2.63 | 3.82 | |||||
| Free Cash Flow Per Share TTM | 3.39 | 4.17 | 4.47 | 3.99 | 4.13 | 3.68 | 4.42 | 4.28 | 3.47 | 3.28 | 4.00 | 3.43 | |||||
| Dividend Per Share TTM | 1.12 | 1.35 | 1.35 | 1.33 | 1.32 | 1.31 | 1.31 | 1.30 | 1.30 | 1.29 | 1.29 | 1.27 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 58.25% | 56.83% | 55.30% | 52.90% | 51.74% | 51.02% | 50.98% | 27.39% | 27.43% | 27.39% | 29.38% | 63.88% | |||||
| Operating Profit Margin TTM | 17.07% | 19.59% | 19.35% | 18.07% | 18.09% | 16.50% | 17.08% | 14.79% | 13.57% | 13.31% | 16.98% | 26.79% | |||||
| Net Profit Margin TTM | 13.35% | 15.37% | 15.21% | 14.46% | 14.36% | 13.19% | 13.62% | 11.75% | 10.99% | 10.87% | 13.73% | 21.37% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 12.27% | 7.17% | 10.19% | 12.23% | 15.19% | 18.46% | 21.69% | 25.64% | 30.29% | 30.52% | 31.78% | 30.12% | |||||
| Net Income Growth (1Y) | 4.35% | 24.89% | 23.08% | 38.08% | 50.52% | 43.64% | 20.72% | -30.91% | -42.58% | -51.26% | -40.44% | -5.66% | |||||
| EPS Growth (1Y) | -22.07% | 22.87% | 21.64% | 36.53% | 48.69% | 41.90% | 18.70% | -32.16% | -43.63% | -52.15% | -41.20% | -6.84% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 16.25 | 10.44 | 9.05 | 9.67 | 9.34 | 10.83 | 10.22 | 10.57 | 9.25 | 10.02 | 8.79 | 5.33 | |||||
| P/B TTM | 1.19 | 1.13 | 0.98 | 1.05 | 1.06 | 1.14 | 1.13 | 0.96 | 0.81 | 0.85 | 0.92 | 0.99 | |||||
| P/S TTM | 2.17 | 1.60 | 1.38 | 1.40 | 1.34 | 1.43 | 1.39 | 1.24 | 1.02 | 1.09 | 1.21 | 1.14 | |||||
| Market Cap | 217.88M | 149.02M | 127.44M | 127.27M | 120.00M | 123.78M | 116.96M | 100.75M | 78.95M | 79.78M | 83.38M | 73.50M | |||||
| Enterprise Value | 213.96M | 179.22M | 157.75M | 109.64M | 120.99M | 85.52M | 120.09M | 19.44M | 81.10M | 103.90M | 134.82M | 135.07M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 16.83M | 15.68M | 16.62M | 14.85M | 15.31M | 13.63M | 16.22M | 15.73M | 12.70M | 11.98M | 14.46M | 12.40M | |||||
| Net Debt | -3.91M | 30.20M | 30.30M | -17.63M | 993.00K | -38.26M | 3.13M | -81.31M | 2.16M | 24.13M | 51.44M | 61.56M | |||||
Per-Share and Margin | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
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| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
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| Net Income Growth (3Y) | |||||||||||||||||
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| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
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| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
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| Altman E | |||||||||||||||||
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| ROA TTM | |||||||||||||||||
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| NOPAT TTM | |||||||||||||||||
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| Effective Tax Rate TTM | |||||||||||||||||
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| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| PEG Ratio | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
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| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
QNB CORP. (QNBC) — SEC Financial Statements & Analysis
QNB CORP. (QNBC) is a state commercial banks company, incorporated in PA. QNB CORP. trades on OTC as: QNBC. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), QNB CORP. reported a 12.27% year-over-year revenue growth, a Gross Profit Margin of 58.25% (TTM), a Price-to-Sales (P/S) ratio of 2.17x (TTM), a Price-to-Book (P/B) ratio of 1.19x (TTM), at a market cap of $217.88M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 12.27%
- Gross Profit Margin TTM
- 58.25%
- P/S TTM
- 2.17x
- P/B TTM
- 1.19x
- Market Cap
- $217.88M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is QNB CORP. in?
QNB CORP. (QNBC) operates in the State Commercial Banks industry.
What is QNBC's market cap?
QNB CORP. (QNBC) has a market capitalization of $217.88M as of 2026-06-30.
What is QNBC's P/E ratio?
QNB CORP. (QNBC)'s trailing twelve month P/E ratio is 16.25x as of 2026-06-30.
What exchange does QNBC trade on?
QNB CORP. (QNBC) trades on the OTC.
Where is QNB CORP. incorporated?
QNB CORP. is incorporated in PA.