Stocktoria

QNB CORP. QNBC

OTC · stock · State Commercial Banks · website · IPO 1993-10-27

QNB CORP. statistics & valuation

Market cap$217.8M
P / E15.5×
P / B1.7×
Dividend yield2.30%
Return on equity10.9%
Net cash$50.3M
Enterprise value USD$167.5M
Graham number +24.8%$54.29

Market cap as of 2026-06-30. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($54.29); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
9.50% 8.40% 10.90% 10.20% 9.00% 12.10% 22.40% 10.40% 11.10% 10.90% 2016201720182019202020212022202320242025
Shares outstanding
3.4M 3.4M 3.5M 3.5M 3.6M 3.6M 3.6M 3.7M 3.7M 3.7M 2016201720182019202020212022202320242025
Net debt ($)
-$29.3M -$3.4M -$5.9M -$42.7M -$20.7M -$50.3M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.80% 0.70% 1.00% 1.00% 0.80% 1.00% 1.00% 0.60% 0.60% 0.70% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.07× 0.07× 0.14× 0.22× 0.29× 0.00× 2016201720182019202020212022202320242025
EPS ($)
$2.63 $2.41 $3.25 $3.53 $3.42 $4.64 $4.47 $2.63 $3.12 $3.78 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

QNB CORP. trades at about 11.5× earnings — near its 10-year norm (10-year range 6.5×–20.5×, median 10.6×).

6.5× 20.5×

Shaded band = 10-year range (6.5×–20.5×); dot = today's 11.5×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.7%0.6%0.6%1.0%1.0%0.8%1.0%1.0%0.7%0.8%
Return on equity10.9%11.1%10.4%22.4%12.1%9.0%10.2%10.9%8.4%9.5%
Debt / equity0.00×0.29×0.22×0.14×0.07×0.07×————

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.