What is QNB Corp.'s earnings per share (EPS)?

QNB Corp. (QNBC) reported diluted earnings per share of $3.78 for fiscal year 2025. This represents a 21.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

QNB Corp. (QNBC) Financials

QNBC

Trailing 12 months to June 30, 2026

Revenue $66.2M +24.5% YoY

Net Income $13.4M +4.4% YoY

EPS (Diluted) $3.37 -2.9% YoY

Operating Cash Flow $16.8M +9.9% YoY

Market Cap $287.2M as of Oct 10, 2026

Price / Sales 4.3x on $66.2M revenue, trailing 12 months to June 30, 2026

Price / Earnings 21.4x on $13.4M net income, trailing 12 months to June 30, 2026

Price / Book 1.6x on $183.5M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 10, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the QNBC SEC filings page.

QNB Corp. (QNBC) reported $66.2M in revenue over the twelve months to Jun 30, 2026, up 24.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI QNBC FY2025 2026-10-04

QNB's 2025 rebound came from stronger revenue and margin conversion, while its balance sheet remains funded predominantly by liabilities.

From FY2023 to FY2025, net margin rose from 21.1% to 24.2%, while operating cash flow exceeded net income in both years; the earnings recovery therefore reached cash generation rather than remaining purely accounting-based. The narrowing gap between those measures still suggests cash conversion was positive, but less exceptional than in FY2023.

FY2025 revenue increased 16.9% from FY2024, while net income increased 23.1%; that faster earnings growth lifted bottom-line conversion rather than merely reflecting a larger business. Operating efficiency improved as selling, general and administrative expense grew more slowly than revenue.

Long-term debt was $0 in FY2025, producing a 0.0x debt-to-equity ratio, but that measure excludes the bank's much broader liability funding. Total liabilities of $1.8B stood against only $129.6M of equity, so the balance sheet is highly levered in economic terms even though reported long-term debt is absent.

Financial Health Signals

Financial Health Score 33/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of QNB Corp.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

QNB Corp. earned a return on assets of 0.7% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.6% the prior year. Earnings ranks banks on that return over three years, and QNB Corp. scores 33/100 among other banks.

Growth

QNB Corp. reported revenue of $58.2M in fiscal year 2025, against $49.8M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and QNB Corp. scores 70/100 among other banks.

Capital

QNB Corp. funded 6.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $129.6M of equity against $1.9B of assets. Capital ranks banks on that cushion, and QNB Corp. scores 5/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. QNB Corp. scores 28/100 on it among other banks.

Credit Quality

Not available for QNB Corp., and counted as zero in the overall score.

Stability

QNB Corp. reported net income of $14.1M in fiscal year 2025, against $11.4M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and QNB Corp. scores 60/100 among other banks.

Piotroski F-Score Partial

6/7

QNB Corp. passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.18x

For every $1 of reported earnings, QNB Corp. generates $1.18 in operating cash flow ($16.6M OCF vs $14.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$20.5M

YoY+43.2%

QoQ+37.4%

5Y CAGR+9.9%

10Y CAGR+9.3%

QNB Corp. generated $20.5M in revenue in Q2 2026. This represents an increase of 43.2% from the same quarter a year earlier. Against the prior quarter it is up 37.4%.

Net Income

$3.0M

YoY-22.4%

QoQ+9.0%

5Y CAGR-4.9%

10Y CAGR+3.7%

QNB Corp. reported $3.0M in net income in Q2 2026. This represents a decrease of 22.4% from the same quarter a year earlier. Against the prior quarter it is up 9.0%.

EPS (Diluted)

$0.60

YoY-42.3%

QoQ-17.8%

5Y CAGR-11.3%

10Y CAGR-0.3%

QNB Corp. earned $0.60 per diluted share (EPS) in Q2 2026. This represents a decrease of 42.3% from the same quarter a year earlier. Against the prior quarter it is down 17.8%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$79.3M

YoY+19.4%

QoQ+40.2%

5Y CAGR+7.0%

10Y CAGR+3.2%

QNB Corp. held $79.3M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.39

YoY+2.6%

QoQ0.0%

5Y CAGR+2.2%

10Y CAGR+2.7%

QNB Corp. paid $0.39 per share in dividends in Q2 2026. This represents an increase of 2.6% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY+33.8%

QoQ+0.3%

5Y CAGR+7.0%

10Y CAGR+3.9%

QNB Corp. had 5M shares outstanding in Q2 2026. This represents an increase of 33.8% from the same quarter a year earlier. Against the prior quarter it is up 0.3%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin

14.7%

YoY-12.4pp

QoQ-3.8pp

5Y change-15.6pp

10Y change-10.3pp

QNB Corp.'s net profit margin was 14.7% in Q2 2026, showing the share of revenue converted to profit. This is down 12.4 percentage points from the same quarter a year earlier. Against the prior quarter it is down 3.8 percentage points.

Return on Equity

1.6%

YoY-1.8pp

QoQ-0.5pp

5Y change-1.2pp

10Y change-0.5pp

QNB Corp.'s ROE was 1.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 1.8 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.5 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

None of these metrics is reported for Q2 2026.

QNBC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

QNBC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$66.2M	$58.2M+16.9%	$49.8M+10.6%	$45.0M-10.4%	$50.2M-3.2%	$51.9M+15.7%	$44.9M+0.5%	$44.6M+11.8%	$39.9M+1.5%	$39.3M+15.0%	$34.2M+2.3%	$33.4M-0.8%	$33.7M+7.3%	$31.4M-2.9%	$32.3M-0.1%	$32.4M
SG&A Expenses	$28.8M	$21.3M+7.7%	$19.7M+3.8%	$19.0M+9.9%	$17.3M-0.8%	$17.5M+5.5%	$16.5M+2.8%	$16.1M+11.6%	$14.4M+9.8%	$13.1M+9.2%	$12.0M-0.5%	$12.1M+3.7%	$11.6M+10.4%	$10.6M+1.4%	$10.4M+5.5%	$9.9M
Interest Expense	$41.9M	$41.4M+0.5%	$41.2M+42.4%	$28.9M+265.1%	$7.9M+70.7%	$4.6M-28.0%	$6.4M-36.3%	$10.1M+23.7%	$8.2M+44.1%	$5.7M+20.0%	$4.7M+5.0%	$4.5M-0.8%	$4.5M-9.7%	$5.0M-21.9%	$6.4M-20.3%	$8.1M
Income Tax	$3.7M	$3.8M+31.9%	$2.9M+29.7%	$2.2M-38.8%	$3.7M-7.5%	$4.0M+54.6%	$2.6M-10.1%	$2.9M+83.0%	$1.6M-73.6%	$5.9M+93.2%	$3.1M+18.8%	$2.6M-2.8%	$2.6M+12.7%	$2.3M-10.1%	$2.6M+5.4%	$2.5M
Net Income	$13.4M	$14.1M+23.1%	$11.4M+20.7%	$9.5M-40.4%	$15.9M-3.5%	$16.5M+36.5%	$12.1M-2.2%	$12.4M+9.0%	$11.3M+36.7%	$8.3M-7.1%	$8.9M+8.4%	$8.2M-8.5%	$9.0M+7.2%	$8.4M-8.5%	$9.2M+3.3%	$8.9M
EPS (Basic)	N/A	$3.79+21.5%	$3.12+18.6%	$2.63-41.2%	$4.47-3.7%	$4.64+35.7%	$3.42-3.1%	$3.53+8.0%	$3.27+35.1%	$2.42-8.3%	$2.64+6.9%	$2.47-9.5%	$2.73+5.8%	$2.58-10.1%	$2.87+1.8%	$2.82
EPS (Diluted)	$3.37	$3.78+21.2%	$3.12+18.6%	$2.63-41.2%	$4.47-3.7%	$4.64+35.7%	$3.42-3.1%	$3.53+8.6%	$3.25+34.9%	$2.41-8.4%	$2.63+6.9%	$2.46-9.6%	$2.72+5.8%	$2.57-10.1%	$2.86+1.8%	$2.81
Diluted Shares (Avg)	N/A	4M+1.5%	4M+1.7%	4M+1.3%	4M+0.3%	4M+0.5%	4M+0.9%	4M+0.6%	3M+1.1%	3M+1.5%	3M+1.4%	3M+1.5%	3M+1.3%	3M+1.6%	3M+1.5%	3M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Revenue	$20.5M+43.2%	$14.9M+13.6%	$15.9M+26.1%	$14.8M+13.4%	$14.3M+18.6%	$13.1M+9.3%	$12.6M+20.5%	$13.1M+9.4%
SG&A Expenses	$7.2M+37.1%	$5.6M+11.6%	$10.7M+17.8%	$5.2M+12.9%	$5.3M+4.2%	$5.0M+1.2%	$9.1M+3.8%	$4.7M-6.5%
Interest Expense	$12.3M+17.4%	$9.4M-12.1%	$9.8M-13.0%	$10.5M-2.8%	$10.5M+7.2%	$10.7M+13.4%	$11.2M+23.9%	$10.8M+30.6%
Income Tax	$817K-18.7%	$707K+13.3%	$1.3M+73.5%	$922K-4.1%	$1.0M+84.7%	$624K-5.9%	$743K+146.0%	$961K+94.5%
Net Income	$3.0M-22.4%	$2.8M+7.3%	$4.0M+30.5%	$3.6M+9.3%	$3.9M+57.5%	$2.6M-0.6%	$3.1M+169.0%	$3.3M+42.4%
EPS (Basic)	$0.61-41.9%	$0.74+5.7%	$1.07+28.9%	$0.98+7.7%	$1.05+56.7%	$0.70-1.4%	$0.83+167.7%	$0.91+40.0%
EPS (Diluted)	$0.60-42.3%	$0.73+5.8%	$1.06+27.7%	$0.98+7.7%	$1.04+55.2%	$0.69-2.8%	$0.83+167.7%	$0.91+40.0%
Diluted Shares (Avg)	5M+34.3%	4M+1.7%	N/A	4M+1.4%	4M+1.6%	4M+1.6%	N/A	4M+1.9%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

QNBC Balance Sheet

QNBC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$1.9B+1.9%	$1.9B+9.6%	$1.7B+2.3%	$1.7B-0.3%	$1.7B+16.2%	$1.4B+17.6%	$1.2B+4.2%	$1.2B+2.0%	$1.2B+8.4%	$1.1B+4.1%	$1.0B+4.5%	$977.1M+4.7%	$932.9M+1.4%	$919.9M+5.9%	$868.8M
Cash & Equivalents	$50.3M-0.8%	$50.7M-19.1%	$62.7M+294.1%	$15.9M+18.7%	$13.4M-66.0%	$39.3M+123.4%	$17.6M+30.8%	$13.5M-17.6%	$16.3M+52.3%	$10.7M-36.9%	$17.0M-6.9%	$18.2M+12.0%	$16.3M+5.4%	$15.5M+46.4%	$10.6M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.8B+0.5%	$1.8B+9.4%	$1.6B+1.1%	$1.6B+3.9%	$1.5B+17.7%	$1.3B+18.2%	$1.1B+3.1%	$1.1B+1.6%	$1.1B+8.7%	$969.6M+4.2%	$930.5M+4.5%	$890.8M+3.9%	$857.3M+1.8%	$842.3M+5.6%	$798.0M
Long-Term Debt	$0-100.0%	$30.0M+50.0%	$20.0M+100.0%	$10.0M0.0%	$10.0M0.0%	$10.0M	N/A	N/A	N/A	N/A	N/A	N/A	$5.0M-5.4%	$5.3M-74.0%	$20.3M
Total Equity	$129.6M+25.4%	$103.3M+13.8%	$90.8M+28.0%	$71.0M-48.0%	$136.5M+1.5%	$134.4M+11.4%	$120.7M+15.7%	$104.3M+5.9%	$98.6M+5.3%	$93.6M+3.5%	$90.4M+4.7%	$86.4M+14.2%	$75.6M-2.6%	$77.6M+9.6%	$70.8M
Retained Earnings	$148.4M+6.0%	$140.0M+4.5%	$133.9M+3.9%	$129.0M+9.1%	$118.2M+10.8%	$106.6M+7.3%	$99.4M+8.4%	$91.6M+8.9%	$84.2M+5.0%	$80.1M+6.5%	$75.3M+6.1%	$70.9M+8.1%	$65.6M+8.0%	$60.7M+10.7%	$54.9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Total Assets	$2.4B+27.3%	$1.9B+1.4%	$1.9B+1.9%	$1.9B+3.3%	$1.9B+7.0%	$1.9B+10.5%	$1.9B+9.6%	$1.8B+9.3%
Cash & Equivalents	$79.3M+19.4%	$56.6M-30.6%	$50.3M-0.8%	$66.3M-36.4%	$66.5M-13.6%	$81.6M+60.0%	$50.7M-19.1%	$104.2M+89.0%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$11.2M	N/A	$0	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.2B+25.1%	$1.8B+0.2%	$1.8B+0.5%	$1.8B+2.6%	$1.8B+6.4%	$1.8B+10.2%	$1.8B+9.4%	$1.7B+7.8%
Long-Term Debt	N/A	N/A	$0-100.0%	$0-100.0%	$0-100.0%	$30.0M+50.0%	$30.0M+50.0%	$30.0M+50.0%
Total Equity	$183.5M+62.0%	$131.4M+21.4%	$129.6M+25.4%	$121.5M+15.3%	$113.3M+16.9%	$108.2M+15.5%	$103.3M+13.8%	$105.3M+42.2%
Retained Earnings	$150.8M+5.0%	$149.7M+6.1%	$148.4M+6.0%	$145.8M+5.5%	$143.6M+5.4%	$141.1M+4.4%	$140.0M+4.5%	$138.3M+3.1%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

QNBC Cash Flow Statement

QNBC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$16.8M	$16.6M+2.5%	$16.2M+12.2%	$14.5M-14.1%	$16.8M-44.6%	$30.4M+299.8%	$7.6M-45.3%	$13.9M-16.5%	$16.7M+3.0%	$16.2M+42.6%	$11.3M+24.3%	$9.1M+52.5%	$6.0M-65.5%	$17.3M+110.6%	$8.2M-39.0%	$13.5M
Depreciation & Amortization	N/A	$1.6M-7.1%	$1.7M+0.7%	$1.7M-0.6%	$1.7M-5.7%	$1.8M-10.2%	$2.0M+11.1%	$1.8M+85.1%	$990K+20.6%	$821K-7.9%	$891K-13.0%	$1.0M-12.3%	$1.2M+1.8%	$1.1M+13.5%	$1.0M+18.0%	$856K
Stock-Based Compensation	N/A	$334K+67.8%	$199K+7.6%	$185K+117.6%	$85K-16.7%	$102K-8.9%	$112K-5.1%	$118K+0.9%	$117K+14.7%	$102K+15.9%	$88K+3.5%	$85K+2.4%	$83K+16.9%	$71K-6.6%	$76K+28.8%	$59K
Investing Cash Flow	-$14.1M	-$23.4M+86.5%	-$173.3M-852.3%	$23.0M+132.2%	-$71.6M+74.6%	-$282.5M-52.6%	-$185.1M-451.4%	-$33.6M-1.4%	-$33.1M+63.7%	-$91.2M-68.9%	-$54.0M-13.0%	-$47.8M-42.8%	-$33.4M-14.6%	-$29.2M+35.8%	-$45.5M+30.6%	-$65.5M
Financing Cash Flow	$10.1M	$6.3M-95.6%	$145.2M+1467.3%	$9.3M-83.8%	$57.3M-74.7%	$226.2M+13.5%	$199.3M+736.3%	$23.8M+75.4%	$13.6M-83.1%	$80.6M+121.6%	$36.4M-2.7%	$37.4M+27.1%	$29.4M+132.0%	$12.7M-69.9%	$42.1M-11.6%	$47.6M
Dividends Paid	$5.6M	$5.0M+4.2%	$4.8M+2.7%	$4.7M+3.8%	$4.5M+2.8%	$4.4M+3.5%	$4.2M+3.4%	$4.1M+5.8%	$3.9M+3.5%	$3.7M+4.9%	$3.6M+3.2%	$3.4M+3.5%	$3.3M+6.3%	$3.1M+4.4%	$3.0M+3.6%	$2.9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Operating Cash Flow	$6.9M+20.1%	-$1.9M-95.9%	$8.3M+27.2%	$3.6M-11.3%	$5.7M+41.6%	-$987K-161.5%	$6.5M+8.0%	$4.0M+297.3%
Depreciation & Amortization	$529K+17.6%	$398K-9.5%	$323K-36.7%	$391K-5.8%	$450K+12.8%	$440K+9.5%	$510K+9.0%	$415K+1.0%
Stock-Based Compensation	$101K+188.6%	$117K+60.3%	N/A	$69K+130.0%	$35K+84.2%	$73K+97.3%	N/A	$30K+30.4%
Investing Cash Flow	$24.1M+2579.3%	-$8.4M-213.6%	-$16.1M+82.5%	-$13.7M+68.1%	-$972K+94.5%	$7.4M+135.8%	-$92.1M-38616.8%	-$42.9M-120.4%
Financing Cash Flow	-$8.2M+58.4%	$16.6M-32.0%	-$8.2M-125.5%	$9.9M-85.0%	-$19.8M-150.1%	$24.4M+233.4%	$32.1M+1764.7%	$66.1M+70.7%
Dividends Paid	$1.8M+41.4%	$1.3M+5.7%	$1.3M+4.7%	$1.3M+4.3%	$1.3M+4.4%	$1.2M+3.3%	$1.2M+1.3%	$1.2M+2.4%

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Share Buybacks.

QNBC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

QNBC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	24.2%+1.2pp	23.0%+1.9pp	21.1%-10.6pp	31.7%-0.1pp	31.8%+4.8pp	26.9%-0.8pp	27.7%-0.7pp	28.4%+7.3pp	21.1%-5.0pp	26.1%+1.5pp	24.6%-2.1pp	26.7%0.0pp	26.8%-1.6pp	28.4%+0.9pp	27.5%
Return on Equity	10.9%-0.2pp	11.1%+0.6pp	10.4%-12.0pp	22.4%+10.4pp	12.1%+3.1pp	9.0%-1.3pp	10.2%-0.6pp	10.9%+2.5pp	8.4%-1.1pp	9.5%+0.4pp	9.1%-1.3pp	10.4%-0.7pp	11.1%-0.7pp	11.8%-0.7pp	12.5%
Return on Assets	0.7%+0.1pp	0.6%+0.1pp	0.6%-0.4pp	0.9%0.0pp	1.0%+0.2pp	0.8%-0.2pp	1.0%+0.1pp	1.0%+0.2pp	0.7%-0.1pp	0.8%0.0pp	0.8%-0.1pp	0.9%0.0pp	0.9%-0.1pp	1.0%0.0pp	1.0%
Debt-to-Equity	0.00-0.3x	0.29+0.1x	0.22+0.1x	0.14+0.1x	0.070.0x	0.07-9.1x	9.15-1.1x	10.26-0.4x	10.69+0.3x	10.36+0.1x	10.290.0x	10.32+10.2x	0.070.0x	0.07-0.2x	0.29
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.04

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Net Margin	14.7%-12.4pp	18.5%-1.1pp	25.0%+0.8pp	24.6%-0.9pp	27.2%+6.7pp	19.7%-2.0pp	24.2%+13.4pp	25.5%+5.9pp
Return on Equity	1.6%-1.8pp	2.1%-0.3pp	3.1%+0.1pp	3.0%-0.2pp	3.4%+0.9pp	2.4%-0.4pp	2.9%+1.7pp	3.2%0.0pp
Return on Assets	0.1%-0.1pp	0.1%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.1pp	0.1%0.0pp	0.2%+0.1pp	0.2%0.0pp
Debt-to-Equity	12.07+12.1x	13.64+13.4x	0.00-0.3x	0.00-0.3x	0.00-0.3x	0.28+0.1x	0.29+0.1x	0.280.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
QNB Corp. QNBC	FY2025	$58.2M	$14.1M	24.2%	$287.2M	33/100
EMBASSY BANCORP INC EMYB	FY2025	$45.7M	$13.7M	30.0%	$160.6M	—
BANKGUAM HOLDING CO BKGM	FY2021	$108.5M	$20.5M	18.9%	$163.6M	—

Where QNB Corp. Ranks

Frequently Asked Questions

What is QNB Corp.'s annual revenue?

QNB Corp. (QNBC) reported $58.2M in total revenue for fiscal year 2025. This represents a 16.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is QNB Corp.'s revenue growing?

QNB Corp. (QNBC) revenue grew by 16.9% year-over-year, from $49.8M to $58.2M in fiscal year 2025.

Is QNB Corp. profitable?

Yes, QNB Corp. (QNBC) reported a net income of $14.1M in fiscal year 2025, with a net profit margin of 24.2%.

How much debt does QNB Corp. have?

As of fiscal year 2025, QNB Corp. (QNBC) had $50.3M in cash and equivalents against $0 in long-term debt.

What is QNB Corp.'s net profit margin?

QNB Corp. (QNBC) had a net profit margin of 24.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does QNB Corp. pay dividends?

Yes, QNB Corp. (QNBC) paid $1.52 per share in dividends during fiscal year 2025.

What is QNB Corp.'s return on equity (ROE)?

QNB Corp. (QNBC) has a return on equity of 10.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is QNB Corp.'s operating cash flow?

QNB Corp. (QNBC) generated $16.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are QNB Corp.'s total assets?

QNB Corp. (QNBC) had $1.9B in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does QNB Corp. have outstanding?

QNB Corp. (QNBC) had 4M shares outstanding as of fiscal year 2025.

What is QNB Corp.'s debt-to-equity ratio?

QNB Corp. (QNBC) had a debt-to-equity ratio of 0.00 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is QNB Corp.'s return on assets (ROA)?

QNB Corp. (QNBC) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is QNB Corp.'s P/E ratio?

QNB Corp. (QNBC) trades at 21.4x earnings, its market capitalization divided by net income of $13.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $287.2M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is QNB Corp.'s price-to-sales ratio?

QNB Corp. (QNBC) trades at 4.3x sales, its market capitalization divided by revenue of $66.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $287.2M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is QNB Corp.'s Piotroski F-Score?

QNB Corp. (QNBC) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are QNB Corp.'s earnings high quality?

QNB Corp. (QNBC) has an earnings quality ratio of 1.18x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is QNB Corp.?

QNB Corp. (QNBC) scores 33 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.