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QNB Corp. (QNBC) stock analysis

QNBCNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 7/30
$47.30−0.11 (-0.23%)

Close on Nov 12, 2026Market cap $235.53MP/E –Yield 3.21%

StockData Score

Prices as of Nov 11, 2026How the score works

Value1Growth0Performance1Health3Dividend2

Weak7 of 30 checks passed

QNB passes 7 of the 30 checks behind our score; 14 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
1/6
Growth
0/6
Past performance
1/6
Financial health
3/6
Dividend
2/6

What stands out

  • Modest borrowings

    Borrowings other than deposits are 7.3% of equity.

  • Earnings grew over 5 years

    Net income grew 3.1% a year on average over the last five fiscal years.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.

  • Well capitalized

    Equity is 9.6% of total assets; 8% or more is a comfortable cushion.

What to watch

  • Return on equity under 15%

    Return on equity was -2.9% over the last twelve months and averaged 12.6% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew 5.0% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -5.4% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew -138% over the last twelve months, against a 5-year average of 3.1% a year.

Valuation1/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S against the industry

    Not enough revenue data to compare.

  • P/B below the industry

    QNB's price-to-book of 1.04 is below the Commercial Banks median of 1.29.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth0/6

  • Revenue growing under 10% a year

    Revenue grew 5.0% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -5.4% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew -138% over the last twelve months, against a 5-year average of 3.1% a year.

  • Growth against the industry

    Needs revenue for this year and last.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance1/6

  • Return on equity under 15%

    Return on equity was -2.9% over the last twelve months and averaged 12.6% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was -0.2%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    QNB's return on equity of -2.9% is below the Commercial Banks median of 11.5%.

  • Earnings grew over 5 years

    Net income grew 3.1% a year on average over the last five fiscal years.

  • Net margin against its history

    Needs five years of revenue and net income.

  • Net margin against the industry

    Needs revenue and net income.

Financial health3/6

  • Well capitalized

    Equity is 9.6% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Needs loans and deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is not reported.

  • High cost base

    Non-interest expense takes 112% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 22.3% over the past year.

  • Modest borrowings

    Borrowings other than deposits are 7.3% of equity.

Dividend2/6

  • Pays a dividend

    QNB paid dividends worth 3.3% of the share price over the last twelve months.

  • Yield below Treasuries

    The 3.3% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.8% or more; QNB yields 3.3%.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.

  • Earnings cover

    Needs dividends paid and net income.

  • Cash-flow cover

    Needs dividends paid and free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for QNB. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 9.6
  • Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$2.69M
Value traded per 1% price move
$2.06M

Downside

Low risk

Typical loss in a bad month
2.5%
Volatility (annualized)
12%
Sharpe ratio, 1 year
2.57
Beta to the S&P 500 (5Y)
0.12

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

24.2%−2.7 pts over 5 years

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