QNB Corp. Logo

QNB Corp.

QNBC

(2.2)
Stock Price

30,00 USD

0.82% ROA

11.5% ROE

6.94x PER

Market Cap.

96.403.088,00 USD

157.53% DER

5.59% Yield

15.89% NPM

QNB Corp. Stock Analysis

QNB Corp. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

QNB Corp. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (20.23%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

The stock's low PBV ratio (1x) suggests it's undervalued, making it an attractive opportunity for investors.

3 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

4 ROA

The stock's ROA (0.9%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

6 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (71), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

7 DER

The stock is burdened with a heavy load of debt (137%), making it financially unstable and potentially risky for investors.

8 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

10 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

QNB Corp. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

QNB Corp. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Sell
4 Stoch RSI Sell

QNB Corp. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

QNB Corp. Revenue
Year Revenue Growth
1995 10
1996 2.250.000 100%
1997 2.395.000 6.05%
1998 2.647.000 9.52%
1999 15.100.000 82.47%
2000 15.508.000 2.63%
2001 16.594.000 6.54%
2002 18.104.000 8.34%
2003 19.846.000 8.78%
2004 20.752.000 4.37%
2005 19.546.000 -6.17%
2006 20.033.000 2.43%
2007 18.474.000 -8.44%
2008 23.266.000 20.6%
2009 27.109.000 14.18%
2010 30.562.000 11.3%
2011 32.352.000 5.53%
2012 32.309.000 -0.13%
2013 31.364.000 -3.01%
2014 32.668.000 3.99%
2015 33.401.000 2.19%
2016 34.171.000 2.25%
2017 39.309.000 13.07%
2018 39.907.000 1.5%
2019 44.611.000 10.54%
2020 44.850.000 0.53%
2021 51.908.000 13.6%
2022 50.228.000 -3.34%
2023 73.988.000 32.11%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

QNB Corp. Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

QNB Corp. General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 0
1996 5.143.000 100%
1997 5.411.000 4.95%
1998 5.561.000 2.7%
1999 5.700.000 2.44%
2000 5.753.000 0.92%
2001 6.174.000 6.82%
2002 6.531.000 5.47%
2003 7.334.000 10.95%
2004 7.163.000 -2.39%
2005 7.314.000 2.06%
2006 7.320.000 0.08%
2007 7.464.000 1.93%
2008 7.977.000 6.43%
2009 11.420.000 30.15%
2010 11.768.000 2.96%
2011 11.848.000 0.68%
2012 11.098.000 -6.76%
2013 11.258.000 1.42%
2014 12.335.000 8.73%
2015 12.707.000 2.93%
2016 12.579.000 -1.02%
2017 13.698.000 8.17%
2018 15.035.000 8.89%
2019 16.355.000 8.07%
2020 17.110.000 4.41%
2021 18.246.000 6.23%
2022 18.074.000 -0.95%
2023 20.980.000 13.85%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

QNB Corp. EBITDA
Year EBITDA Growth
1995 1.677
1996 12.783.000 99.99%
1997 13.941.000 8.31%
1998 14.799.000 5.8%
1999 16.000.000 7.51%
2000 17.992.000 11.07%
2001 19.917.000 9.67%
2002 19.971.000 0.27%
2003 18.976.000 -5.24%
2004 19.253.000 1.44%
2005 20.191.000 4.65%
2006 23.628.000 14.55%
2007 21.748.000 -8.64%
2008 23.416.000 7.12%
2009 19.483.000 -20.19%
2010 20.278.000 3.92%
2011 20.417.000 0.68%
2012 19.437.000 -5.04%
2013 16.972.000 -14.52%
2014 17.415.000 2.54%
2015 16.413.000 -6.1%
2016 17.677.000 7.15%
2017 20.772.000 14.9%
2018 22.132.000 6.14%
2019 17.104.000 -29.4%
2020 16.837.000 -1.59%
2021 22.399.000 24.83%
2022 31.456.000 28.79%
2023 11.352.000 -177.1%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

QNB Corp. Gross Profit
Year Gross Profit Growth
1995 10
1996 2.250.000 100%
1997 2.395.000 6.05%
1998 2.647.000 9.52%
1999 15.100.000 82.47%
2000 15.508.000 2.63%
2001 16.594.000 6.54%
2002 18.104.000 8.34%
2003 19.846.000 8.78%
2004 20.752.000 4.37%
2005 19.546.000 -6.17%
2006 20.033.000 2.43%
2007 18.474.000 -8.44%
2008 23.266.000 20.6%
2009 27.109.000 14.18%
2010 30.562.000 11.3%
2011 32.352.000 5.53%
2012 32.309.000 -0.13%
2013 31.364.000 -3.01%
2014 32.668.000 3.99%
2015 33.401.000 2.19%
2016 34.171.000 2.25%
2017 39.309.000 13.07%
2018 39.907.000 1.5%
2019 44.611.000 10.54%
2020 44.850.000 0.53%
2021 51.908.000 13.6%
2022 50.228.000 -3.34%
2023 73.988.000 32.11%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

QNB Corp. Net Profit
Year Net Profit Growth
1995 1.687
1996 2.801.000 99.94%
1997 3.131.000 10.54%
1998 3.448.000 9.19%
1999 3.800.000 9.26%
2000 4.106.000 7.45%
2001 4.436.000 7.44%
2002 4.955.000 10.47%
2003 5.648.000 12.27%
2004 6.203.000 8.95%
2005 5.046.000 -22.93%
2006 5.420.000 6.9%
2007 3.047.000 -77.88%
2008 5.753.000 47.04%
2009 4.227.000 -36.1%
2010 7.217.000 41.43%
2011 8.880.000 18.73%
2012 9.175.000 3.22%
2013 8.392.000 -9.33%
2014 8.998.000 6.73%
2015 8.233.000 -9.29%
2016 8.924.000 7.74%
2017 8.289.000 -7.66%
2018 11.335.000 26.87%
2019 12.357.000 8.27%
2020 12.083.000 -2.27%
2021 16.492.000 26.73%
2022 15.921.000 -3.59%
2023 9.376.000 -69.81%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

QNB Corp. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 0
1996 1 0%
1997 1 0%
1998 1 100%
1999 1 0%
2000 1 0%
2001 1 0%
2002 2 0%
2003 2 0%
2004 2 50%
2005 2 -100%
2006 2 0%
2007 1 0%
2008 2 100%
2009 1 0%
2010 2 50%
2011 3 0%
2012 3 0%
2013 3 0%
2014 3 0%
2015 2 0%
2016 3 0%
2017 2 0%
2018 3 33.33%
2019 4 0%
2020 3 0%
2021 5 25%
2022 4 0%
2023 3 -100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

QNB Corp. Free Cashflow
Year Free Cashflow Growth
1995 649
1996 3.110.000 99.98%
1997 2.834.000 -9.74%
1998 1.470.000 -92.79%
1999 9.100.000 83.85%
2000 3.988.000 -128.18%
2001 7.325.000 45.56%
2002 2.490.000 -194.18%
2003 9.173.000 72.86%
2004 7.841.000 -16.99%
2005 5.874.000 -33.49%
2006 4.884.000 -20.27%
2007 5.696.000 14.26%
2008 7.060.000 19.32%
2009 4.467.000 -58.05%
2010 11.924.000 62.54%
2011 11.573.000 -3.03%
2012 5.853.000 -97.73%
2013 15.275.000 61.68%
2014 4.982.000 -206.6%
2015 8.536.000 41.64%
2016 11.015.000 22.51%
2017 15.528.000 29.06%
2018 14.238.000 -9.06%
2019 10.812.000 -31.69%
2020 6.879.000 -57.17%
2021 27.214.000 74.72%
2022 16.283.000 -67.13%
2023 805.000 -1922.73%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

QNB Corp. Operating Cashflow
Year Operating Cashflow Growth
1995 649
1996 3.453.000 99.98%
1997 3.034.000 -13.81%
1998 2.427.000 -25.01%
1999 10.100.000 75.97%
2000 6.055.000 -66.8%
2001 7.567.000 19.98%
2002 3.210.000 -135.73%
2003 9.652.000 66.74%
2004 9.301.000 -3.77%
2005 6.525.000 -42.54%
2006 6.673.000 2.22%
2007 6.725.000 0.77%
2008 7.896.000 14.83%
2009 4.948.000 -59.58%
2010 13.083.000 62.18%
2011 13.483.000 2.97%
2012 8.227.000 -63.89%
2013 17.323.000 52.51%
2014 5.977.000 -189.83%
2015 9.116.000 34.43%
2016 11.332.000 19.56%
2017 16.162.000 29.88%
2018 16.651.000 2.94%
2019 13.898.000 -19.81%
2020 7.601.000 -82.84%
2021 30.389.000 74.99%
2022 16.835.000 -80.51%
2023 1.019.000 -1552.11%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

QNB Corp. Capital Expenditure
Year Capital Expenditure Growth
1995 0
1996 343.000 100%
1997 200.000 -71.5%
1998 957.000 79.1%
1999 1.000.000 4.3%
2000 2.067.000 51.62%
2001 242.000 -754.13%
2002 720.000 66.39%
2003 479.000 -50.31%
2004 1.460.000 67.19%
2005 651.000 -124.27%
2006 1.789.000 63.61%
2007 1.029.000 -73.86%
2008 836.000 -23.09%
2009 481.000 -73.8%
2010 1.159.000 58.5%
2011 1.910.000 39.32%
2012 2.374.000 19.55%
2013 2.048.000 -15.92%
2014 995.000 -105.83%
2015 580.000 -71.55%
2016 317.000 -82.97%
2017 634.000 50%
2018 2.413.000 73.73%
2019 3.086.000 21.81%
2020 722.000 -327.42%
2021 3.175.000 77.26%
2022 552.000 -475.18%
2023 214.000 -157.94%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

QNB Corp. Equity
Year Equity Growth
1995 20.866
1996 22.775.000 99.91%
1997 25.832.000 11.83%
1998 28.338.000 8.84%
1999 27.500.000 -3.05%
2000 31.794.000 13.51%
2001 35.219.000 9.72%
2002 40.914.000 13.92%
2003 43.440.000 5.81%
2004 45.775.000 5.1%
2005 46.564.000 1.69%
2006 50.410.000 7.63%
2007 53.251.000 5.34%
2008 53.909.000 1.22%
2009 56.426.000 4.46%
2010 61.090.000 7.63%
2011 70.841.000 13.76%
2012 77.623.000 8.74%
2013 75.625.000 -2.64%
2014 86.354.000 12.42%
2015 90.443.000 4.52%
2016 93.567.000 3.34%
2017 98.570.000 5.08%
2018 104.348.000 5.54%
2019 120.717.000 13.56%
2020 134.445.000 10.21%
2021 136.494.000 1.5%
2022 70.958.000 -92.36%
2023 74.081.000 4.22%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

QNB Corp. Assets
Year Assets Growth
1995 20.924
1996 280.447.000 99.99%
1997 305.772.000 8.28%
1998 324.672.000 5.82%
1999 350.500.000 7.37%
2000 371.671.000 5.7%
2001 451.274.000 17.64%
2002 503.430.000 10.36%
2003 550.831.000 8.61%
2004 583.644.000 5.62%
2005 582.205.000 -0.25%
2006 614.539.000 5.26%
2007 609.813.000 -0.77%
2008 664.394.000 8.22%
2009 762.426.000 12.86%
2010 809.260.000 5.79%
2011 868.804.000 6.85%
2012 919.874.000 5.55%
2013 932.883.000 1.39%
2014 977.135.000 4.53%
2015 1.020.936.000 4.29%
2016 1.063.141.000 3.97%
2017 1.152.337.000 7.74%
2018 1.175.452.000 1.97%
2019 1.225.023.000 4.05%
2020 1.440.229.000 14.94%
2021 1.673.340.000 13.93%
2022 1.668.497.000 -0.29%
2023 1.684.392.000 0.94%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

QNB Corp. Liabilities
Year Liabilities Growth
1995 0
1996 8.675.000 100%
1997 10.342.000 16.12%
1998 14.491.000 28.63%
1999 323.000.000 95.51%
2000 339.877.000 4.97%
2001 416.055.000 18.31%
2002 462.516.000 10.05%
2003 507.391.000 8.84%
2004 537.869.000 5.67%
2005 535.641.000 -0.42%
2006 564.129.000 5.05%
2007 556.562.000 -1.36%
2008 610.485.000 8.83%
2009 706.000.000 13.53%
2010 748.170.000 5.64%
2011 797.963.000 6.24%
2012 842.251.000 5.26%
2013 857.258.000 1.75%
2014 890.781.000 3.76%
2015 930.493.000 4.27%
2016 969.574.000 4.03%
2017 1.053.767.000 7.99%
2018 1.071.104.000 1.62%
2019 56.840.000 -1784.42%
2020 1.305.784.000 95.65%
2021 1.536.846.000 15.03%
2022 1.597.539.000 3.8%
2023 1.610.311.000 0.79%

QNB Corp. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
15.31
Net Income per Share
3.82
Price to Earning Ratio
6.94x
Price To Sales Ratio
1.74x
POCF Ratio
7.72
PFCF Ratio
8.25
Price to Book Ratio
1.29
EV to Sales
2.86
EV Over EBITDA
5.9
EV to Operating CashFlow
12.74
EV to FreeCashFlow
13.52
Earnings Yield
0.14
FreeCashFlow Yield
0.12
Market Cap
0,10 Bil.
Enterprise Value
0,16 Bil.
Graham Number
41.97
Graham NetNet
-289.38

Income Statement Metrics

Net Income per Share
3.82
Income Quality
0.9
ROE
0.18
Return On Assets
0.01
Return On Capital Employed
0.06
Net Income per EBT
0.81
EBT Per Ebit
0.38
Ebit per Revenue
0.52
Effective Tax Rate
0.19

Margins

Sales, General, & Administrative to Revenue
0.36
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.52
Pretax Profit Margin
0.2
Net Profit Margin
0.16

Dividends

Dividend Yield
0.06
Dividend Yield %
5.59
Payout Ratio
0.33
Dividend Per Share
1.48

Operating Metrics

Operating Cashflow per Share
3.43
Free CashFlow per Share
3.23
Capex to Operating CashFlow
-0.06
Capex to Revenue
-0.01
Capex to Depreciation
-0.41
Return on Invested Capital
0.11
Return on Tangible Assets
0.01
Days Sales Outstanding
36.88
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
9.9
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.2

Balance Sheet

Cash per Share
155,13
Book Value per Share
20,50
Tangible Book Value per Share
20.5
Shareholders Equity per Share
20.5
Interest Debt per Share
38.75
Debt to Equity
1.58
Debt to Assets
0.07
Net Debt to EBITDA
2.3
Current Ratio
11.06
Tangible Asset Value
0,07 Bil.
Net Current Asset Value
-0,54 Bil.
Invested Capital
1.58
Working Capital
0,97 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.21

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

QNB Corp. Dividends
Year Dividends Growth
2003 0
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 100%
2009 1 0%
2010 1 0%
2011 1 100%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

QNB Corp. Profile

About QNB Corp.

QNB Corp. operates as the bank holding company for QNB Bank that provides commercial and retail banking products and services. It offers various deposit products, which include demand and savings accounts, such as money market, interest-bearing demand, club, traditional statement savings, and online savings accounts; and time deposits comprising certificates of deposit and individual retirement accounts. The company also provides commercial and industrial loans, commercial and residential real estate loans, construction and land development loans, indirect lease financing, 1-4 family residential mortgage loans, home equity loans and lines of credit, and consumer loans. In addition, it offers retail brokerage and advisory services; credit cards and insurance products; merchant services; ATM and debit card services; and internet and mobile-banking, electronic bill pay, and remote deposit capture services. As of December 31, 2021, the company twelve full-service community banking offices in Bucks, Montgomery, and Lehigh counties in southeastern Pennsylvania. QNB Corp. was founded in 1877 and is based in Quakertown, Pennsylvania.

CEO
Mr. David W. Freeman
Employee
189
Address
15 North Third Street
Quakertown, 18951-9005

QNB Corp. Executives & BODs

QNB Corp. Executives & BODs
# Name Age
1 Ms. Jean M. Scholl
Assistant Secretary
70
2 Mr. Christopher T. Cattie
Executive Vice President and Chief Operations & Technology Officer of QNB Bank
70
3 Mr. David W. Freeman
President, Chief Executive Officer & Director
70
4 Courtney L. Covelens
Senior Vice President & Commercial Loan Officer of QNB Bank
70
5 Tiffany M. Pompei
Senior Vice President & Compliance Officer
70
6 Justin M. Hartrum
Senior Vice President & Commercial Lending Team Leader
70
7 Ms. Mary Beth E. Liddle
Senior Vice President & Chief Accounting Officer
70
8 Cheryl A. Morris
Senior Vice President & Chief Credit Officer
70
9 Mr. Scott G. Orzehoski
Executive Vice President & Chief Lending Officer of QNB Bank
70
10 Mr. Jeffrey Lehocky CPA, CIA
Executive Vice President & Chief Financial Officer
70

QNB Corp. Competitors