QNB Financials
QNB (QNBC) reported $92.6M in revenue for fiscal year 2025, up 10.2% from the prior fiscal year. 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).
QNB Corp.’s liability-funded balance sheet supports earnings recovery, but its large asset base keeps returns modest.
In FY2025, long-term debt was$0 and debt-to-equity was 0.0x, but that ratio captures only one funding category. Total liabilities were$1.8B against$129.6M of equity, so the business remains overwhelmingly liability-funded even though reported debt appears minimal.
Operating cash flow exceeded net income in FY2025, with
Net margin recovered to
Financial Health Signals
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'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.
Not available for QNB, and counted as zero in the overall score.
QNB 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.
For every $1 of reported earnings, QNB 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
Earnings & Revenue
QNB generated $92.6M in revenue in fiscal year 2025. This represents an increase of 10.2% from the prior year.
QNB reported $14.1M in net income in fiscal year 2025. This represents an increase of 23.1% from the prior year.
QNB earned $3.78 per diluted share (EPS) in fiscal year 2025. This represents an increase of 21.2% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
QNB held $50.3M in cash against $0 in long-term debt as of fiscal year 2025.
QNB paid $1.52 per share in dividends in fiscal year 2025. This represents an increase of 2.7% from the prior year.
Not reported for fiscal year 2025.
Margins & Returns
QNB's net profit margin was 15.2% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.6 percentage points from the prior year.
QNB's ROE was 10.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.2 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
None of these metrics is reported for fiscal year 2025.
QNBC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $100.4M | $92.6M+10.2% | $84.1M+21.7% | $69.1M+31.8% | $52.4M+12.1% | $46.8M+7.0% | $43.7M-5.9% | $46.4M+7.4% | $43.2M+13.4% | $38.1M+14.6% | $33.2M+4.3% | $31.9M+3.9% | $30.7M+0.3% | $30.6M-8.3% | $33.3M-7.9% | $36.2M |
| 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 (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 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
QNBC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
QNBC Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Share Buybacks.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
QNBC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 15.2%+1.6pp | 13.6%-0.1pp | 13.7%-16.6pp | 30.4%-4.9pp | 35.3%+7.6pp | 27.7%+1.0pp | 26.6%+0.4pp | 26.2%+4.5pp | 21.8%-5.1pp | 26.9%+1.0pp | 25.8%-3.5pp | 29.3%+1.9pp | 27.4%-0.1pp | 27.5%+3.0pp | 24.5% |
| 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 |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.
Similar Companies
Where QNB Ranks
Frequently Asked Questions
What is QNB's annual revenue?
QNB (QNBC) reported $92.6M in total revenue for fiscal year 2025. This represents a 10.2% 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's revenue growing?
QNB (QNBC) revenue grew by 10.2% year-over-year, from $84.1M to $92.6M in fiscal year 2025.
Is QNB profitable?
Yes, QNB (QNBC) reported a net income of $14.1M in fiscal year 2025, with a net profit margin of 15.2%.
How much debt does QNB have?
As of fiscal year 2025, QNB (QNBC) had $50.3M in cash and equivalents against $0 in long-term debt.
What is QNB's net profit margin?
QNB (QNBC) had a net profit margin of 15.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does QNB pay dividends?
Yes, QNB (QNBC) paid $1.52 per share in dividends during fiscal year 2025.
What is QNB's return on equity (ROE)?
QNB (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's operating cash flow?
QNB (QNBC) generated $16.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are QNB's total assets?
QNB (QNBC) had $1.9B in total assets as of fiscal year 2025, including both current and long-term assets.
What is QNB's debt-to-equity ratio?
QNB (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's return on assets (ROA)?
QNB (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's Piotroski F-Score?
QNB (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's earnings high quality?
QNB (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?
QNB (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.