Stocks · Financial Services · Banks - Regional
QNB Corp. QNBC
$45.61 +0.37% Close, Oct 2, 2026 · NASDAQ · Market cap $184.6M
Strong trendLow risk
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 34.3% in a year.
- At 13.5× trailing earnings, the shares trade at the highest P/E of the company's past five years.
- The stock is in an uptrend: above its 200-day average for 195 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 44%
- EPS growth (TTM, YoY)Bottom 27%
- FCF growth (TTM, YoY)Bottom 23%
- Revenue growth, 3-year CAGRTop 35%
- Revenue growth accelerationTop 17%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 36%
- Gross marginBottom 36%
- Operating marginBottom 38%
- Cash conversion (OCF / net income)Bottom 32%
- Accruals (lower is better)Bottom 31%
- Net debt / EBITDA (lower is better)Bottom 45%
- Interest coverBottom 22%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 43%
- Free-cash-flow yieldBottom 38%
- EBITDA / enterprise valueTop 17%
- Sales / enterprise valueTop 30%
- P/E vs own 5-year history (lower is better)Bottom 2%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 26%
- 6-month returnTop 32%
- 1-year return vs S&P 500Top 21%
- Distance from 52-week highTop 8%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 19%
- Maximum drawdown, 3 yearsTop 21%
- Beta vs S&P 500 (lower is better)Top 2%
- Net debt / EBITDA (lower is better)Bottom 45%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 2.9% | 8.0% | ↑ |
| EPS growth (YoY) | 22.9% | -2.9% | ↓ |
| Gross margin | 54.9% | 59.1% | ↑ |
| Operating margin | 16.8% | 16.5% | ↓ |
| FCF margin | 12.7% | 10.0% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 8.0% | 2.9% | ↑ | Top 44% |
| EPS growth (TTM, YoY) | -2.9% | 22.9% | ↓ | Bottom 27% |
| Gross margin | 59.1% | 54.9% | ↑ | Bottom 36% |
| Operating margin | 16.5% | 16.8% | ↓ | Bottom 38% |
| Net margin | 12.9% | 13.3% | ↓ | — |
| Free-cash-flow margin | 10.0% | 12.7% | ↓ | — |
| Return on invested capital | 0.6% | — | Bottom 36% | |
| Revenue growth, 3-year CAGR | 18.7% | — | Top 35% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.86×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.3%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +19.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.64×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.03%
- Net buyback yield (TTM)
- -0.78%
- Shareholder yield
- 2.25%
- Share count change, 1 year
- +34.3%
- Share count change, 3-year CAGR
- +11.6%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +0.1%
- Positive 20 days after report
- 6 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | — | +0.1% | +0.1% | +3.2% | — |
| Apr 28, 2026 | — | -1.5% | -1.7% | -2.2% | -3.2% |
| Jan 27, 2026 | — | +3.0% | +8.0% | +5.5% | +27.8% |
| Oct 28, 2025 | — | +0.0% | +1.4% | +1.4% | +1.3% |
| Jul 22, 2025 | — | +0.7% | +0.6% | +1.4% | +2.6% |
| Apr 22, 2025 | — | -1.6% | +0.6% | +0.3% | -1.1% |
| Mar 18, 2025 | — | +0.0% | -0.7% | -2.1% | -5.0% |
| Jan 21, 2025 | — | +0.0% | -0.1% | +0.3% | +2.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $0.60 | — | — | $32.8M |
| Apr 28, 2026 | $0.93 | — | — | $22.5M |
| Jan 27, 2026 | $1.22 | — | — | $23.4M |
| Oct 28, 2025 | $1.09 | — | — | $25.4M |
| Jul 22, 2025 | $1.04 | — | — | $24.8M |
| Apr 22, 2025 | $0.69 | — | — | $23.8M |
| Mar 18, 2025 | $0.83 | — | — | $23.9M |
| Jan 21, 2025 | $0.83 | — | — | $23.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 13.5× | 8.8× | 100th | Top 43% |
| EV / EBITDA | 7.7× | — | — | Top 17% |
| EV / Sales | 2.26× | — | — | Top 30% |
| Free-cash-flow yield | 5.63% | — | — | Bottom 38% |
| Earnings yield | 7.39% | — | — | Top 43% |
P/E over the past five years
Range 5.3× – 13.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +29.4%
- Earnings per share growth (TTM)
- -2.9%
- Change in P/E multiple
- +29.0%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 31
- Days above the 200-day average
- 195
- 50-day average slope (20 days)
- +1.7%
- 200-day average slope (20 days)
- +2.5%
- Distance from 50-day average
- +2.3%
- Distance from 200-day average
- +10.1%
- RSI (14)
- 60.9
- Relative volume
- 0.51×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 8.4%
- Volatility vs own 5-year history
- 17th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- -0.04
- Correlation with S&P 500
- -0.06
- Current drawdown from 1-year high
- -0.4%
- Maximum drawdown, 3 years
- -13.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jun 9, 2021 | Nov 22, 2023 | -44.2% | 619 days | 582 days (Mar 23, 2026) |
| Dec 8, 2020 | Dec 9, 2020 | -10.6% | 1 days | 59 days (Mar 8, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $184.6M
- P/E (TTM)
- 13.5
- EPS, diluted (TTM)
- $3.37
- Revenue (TTM)
- $104.0M
- Dividend yield
- 3.40%
- 52-week range
- $34.00 – $46.00
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $56.6M | $58.2M | $73.9M | $91.0M | $97.3M |
| Gross profit | $51.5M | $51.1M | $45.8M | $49.8M | $55.5M |
| Operating income | $20.5M | $19.6M | $11.7M | $14.4M | $17.9M |
| Net income | $16.5M | $15.9M | $9.5M | $11.4M | $14.1M |
| EPS (diluted) | $4.64 | $4.47 | $2.63 | $3.11 | $3.78 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $23.9M | $23.9M | $23.8M | $24.8M | $25.4M | $23.4M | $22.5M | $32.8M |
| Net income | $3.3M | $3.1M | $2.6M | $3.9M | $3.6M | $4.0M | $2.8M | $3.0M |
| EPS (diluted) | $0.91 | $0.83 | $0.69 | $1.04 | $0.98 | $1.06 | $0.73 | $0.60 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $30.4M | $16.8M | $14.5M | $16.2M | $16.6M |
| Capital expenditure | -$3.2M | -$552,000 | -$765,000 | -$3.5M | -$1.1M |
| Free cash flow | $27.2M | $16.3M | $13.7M | $12.7M | $15.5M |
| Dividends paid | -$4.4M | -$4.5M | -$4.7M | -$4.8M | -$5.0M |
| Net share buybacks | -$781,000 | $343,000 | $822,000 | $385,000 | $614,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $79.3M
- Total assets
- $2.40B
- Total liabilities
- $2.22B
- Total debt
- $129.4M
- Net debt
- $50.1M
- Shareholders’ equity
- $183.5M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 11, 2026 | $0.39 | Sep 25, 2026 |
| Jun 12, 2026 | $0.39 | Jun 26, 2026 |
| Mar 13, 2026 | $0.39 | Mar 27, 2026 |
| Dec 12, 2025 | $0.38 | Dec 26, 2025 |
| Sep 12, 2025 | $0.38 | Sep 26, 2025 |
| Jun 13, 2025 | $0.38 | Jun 27, 2025 |
| Mar 14, 2025 | $0.38 | Mar 28, 2025 |
| Dec 13, 2024 | $0.37 | Dec 27, 2024 |
Short interest
- Shares sold short
- 20,242
- Days to cover
- 2.11
- Change vs previous report
- +40.1%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Oct 15, 2003
- 2-for-1
- Jun 7, 2001
- 21-for-20
- Jun 8, 2000
- 21-for-20