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Qnb(OTC) QNBC

Market Cap$219.45MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1991)+1,734%
5 Year+53%
1 Year+31%
1 Month+2%
$44.07
+0.46%
+0.20Today
Qnb last closing stock price
MetricPriceDate
Last closeUSD 44.072026-08-21
Qnb stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+1.29%USD 43.512026-08-14
1 month+1.68%USD 43.342026-07-21
3 month+1.19%USD 43.552026-05-22
Year to date+28.49%USD 34.302025-12-31
1 year+31.33%USD 33.562025-08-21
3 year+106.74%USD 21.322023-08-22
5 year+53.14%USD 28.782021-08-20
Since inception+1,733.8%USD 2.401991-04-08

Qnb Financials at a Glance

Market Cap

$219.45MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$97.88M

Net Income (TTM)

$13.41M

EPS (TTM)

$3.37

P/E Ratio

13.06

Dividend

$1.54

Beta (Volatility)

0.05 (Low)

Price

$44.07

Volume

30,718

Open

$44.00

Previous Close

$44.07

Daily Range

$43.76 - $44.25

52-Week Range

$34.00 - $46.00

Estimated Earnings Date

Oct 27, 2026

QNBC News

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Qnb Posts 55% EPS Gain in Fiscal Q2

Motley Fool Markets TeamJul 22, 2025

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About Qnb

QNB helps people and businesses manage money, save, and borrow for daily needs. Its services include checking accounts, savings, and loans for homes or businesses. Local customers use QNB for easy banking and financial advice.

Money Matters: QNB’s Core Offerings

  • Deposit Accounts: Checking, savings, and certificates of deposit for individuals and businesses; main source of customer funds.
  • Lending Services: Loans for homes, businesses, and construction; commercial real estate loans are 53.8% of the portfolio in 2025.
  • Investment Services: Brokerage, advisory, and investment products for personal and business clients.
  • Digital Banking: Online and mobile banking, electronic bill pay, and remote deposit for convenient account access.
  • Other Financial Services: Credit cards, insurance, merchant services, and ATM/debit card access for daily transactions.

Growing the QNB Way: Expansion Moves

  • Announced acquisition of The Victory Bancorp in September 2025, closing expected in Q2 2026.
  • Issued $40 million in subordinated debt in 2024 to support growth and capital needs.
  • Increased focus on commercial real estate lending, now over half of loan portfolio in 2025.

Why QNB Stands Out (Without the Hype)

QNB focuses on local banking with quick decisions and personal service. Its technology investments help compete with larger banks. The company manages risk by keeping a strong capital position and local market knowledge.

Five Things You Need to Know

  • Net interest income was $51.2 million in 2025, up 19.5% from 2024.
  • Net income reached $14.1 million in 2025, up 23.1% year-over-year.
  • Total assets were $1.91 billion at year-end 2025, up 1.9% from 2024.
  • Commercial real estate loans made up 53.8% of the loan portfolio in 2025.
  • Non-performing loans rose to $8.8 million in 2025, 0.70% of total loans.

Bottom Line

QNB has grown by focusing on local customers and expanding digital services. Its steady financial performance and community approach shape its role in regional banking.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

197

CEO

David W. Freeman, MBA

Website

www.qnbbank.com

Headquarters

Quakertown, PA 18951-9005, US

QNBC Financials

Key Financial Metrics (TTM)

Gross Margin

56.57%

Operating Margin

17.52%

Net Income Margin

13.70%

Return on Equity

9.48%

Return on Capital

7.19%

Return on Assets

0.56%

Earnings Yield

7.66%

Dividend Yield

3.49%

Payout Ratio

41.68%

Stock Overview

Market Cap

$219.45MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

4.98M

Volume

30.72K

Avg. Volume

3.82K

Financials (TTM)

Gross Profit

$55.37M

Operating Income

$17.14M

EBITDA

$18.29M

Operating Cash Flow

$11.55M

Capital Expenditure

-$1.16M

Free Cash Flow

$10.39M

Cash & ST Invst.

$79.34M

Total Debt

$129.45M

Qnb Performance Analysis

Qnb annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 59,178,0006.4%
20232023-12-31USD 73,669,00024.5%
20242024-12-31USD 91,196,00023.8%
20252025-12-31USD 99,595,0009.2%
Qnb sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-302.4%
Q42025-12-31-7.7%
Q12026-03-31-3.9%
Q22026-06-3018.2%
Qnb annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 4.47-3.7%
20232023-12-31USD 2.63-41.2%
20242024-12-31USD 3.1218.6%
20252025-12-31USD 3.7821.2%
Qnb sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-5.8%
Q42025-12-318.2%
Q12026-03-31-31.1%
Q22026-06-30-17.8%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$26.60M

+7.4%

Gross Profit

$14.10M

-2.4%

Gross Margin

53.00%

N/A

Market Cap

$219.45MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.13M

N/A

Employees

194

N/A

Net Income

$3.02M

-22.4%

EBITDA

$3.83M

-28.4%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$79.34M

-78.8%

Total Debt

$129.45M

+21.4%

Accounts Receivable

$6.40M

+27.9%

Inventory

$0.00

N/A

Long Term Debt

$54.02M

+37.9%

Short Term Debt

$75.43M

+11.8%

Return on Assets

0.56%

N/A

Return on Invested Capital

0.74%

N/A

Free Cash Flow

$1.62M

-70.6%

Operating Cash Flow

$1.36M

-76.3%

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Questions About QNBC

What is the current price of Qnb?

Qnb is trading at $44.07 per share.

What is the 52-week range for Qnb?

Over the past 52 weeks, Qnb has traded between $34.00 and $46.00.

How much debt does Qnb have?

As of the most recent reporting period, Qnb reported total debt of $129.45M.

How much cash does Qnb have on hand?

Qnb does not have cash on hand data available.

What is Qnb’s dividend yield?

Qnb currently has a dividend yield of 3.49%.

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