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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.20
QNBC's Cash-to-Debt is ranked lower than
87% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. QNBC: 0.20 )
Ranked among companies with meaningful Cash-to-Debt only.
QNBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.31 Max: 1.41
Current: 0.2
0.15
1.41
Equity-to-Asset 0.09
QNBC's Equity-to-Asset is ranked lower than
59% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. QNBC: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
QNBC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.09
Current: 0.09
0.07
0.09
Interest Coverage 2.53
QNBC's Interest Coverage is ranked higher than
62% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. QNBC: 2.53 )
Ranked among companies with meaningful Interest Coverage only.
QNBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.19  Med: 1.62 Max: 2.56
Current: 2.53
0.19
2.56
WACC vs ROIC
6.28%
9.01%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating Margin % 35.05
QNBC's Operating Margin % is ranked higher than
62% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. QNBC: 35.05 )
Ranked among companies with meaningful Operating Margin % only.
QNBC' s Operating Margin % Range Over the Past 10 Years
Min: 18.04  Med: 33.29 Max: 36.47
Current: 35.05
18.04
36.47
Net Margin % 26.12
QNBC's Net Margin % is ranked higher than
65% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. QNBC: 26.12 )
Ranked among companies with meaningful Net Margin % only.
QNBC' s Net Margin % Range Over the Past 10 Years
Min: 16.49  Med: 25.43 Max: 28.4
Current: 26.12
16.49
28.4
ROE % 9.41
QNBC's ROE % is ranked higher than
60% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. QNBC: 9.41 )
Ranked among companies with meaningful ROE % only.
QNBC' s ROE % Range Over the Past 10 Years
Min: 5.88  Med: 10.85 Max: 13.46
Current: 9.41
5.88
13.46
ROA % 0.86
QNBC's ROA % is ranked lower than
51% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. QNBC: 0.86 )
Ranked among companies with meaningful ROA % only.
QNBC' s ROA % Range Over the Past 10 Years
Min: 0.5  Med: 0.91 Max: 1.06
Current: 0.86
0.5
1.06
3-Year Revenue Growth Rate 1.50
QNBC's 3-Year Revenue Growth Rate is ranked lower than
62% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. QNBC: 1.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
QNBC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -3.7  Med: 6.7 Max: 88.4
Current: 1.5
-3.7
88.4
3-Year EBITDA Growth Rate 1.30
QNBC's 3-Year EBITDA Growth Rate is ranked lower than
67% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. QNBC: 1.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
QNBC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -25.6  Med: 1.3 Max: 36.5
Current: 1.3
-25.6
36.5
3-Year EPS without NRI Growth Rate 0.80
QNBC's 3-Year EPS without NRI Growth Rate is ranked lower than
70% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. QNBC: 0.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
QNBC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -21  Med: 4.6 Max: 34.2
Current: 0.8
-21
34.2
GuruFocus has detected 4 Warning Signs with QNB Corp $QNBC.
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» QNBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:BOCH, NAS:BKSC, OTCPK:BERK, NAS:BCBP, NAS:BMRC, AMEX:BHB, NAS:BANF, NAS:BANR, NYSE:BXS, NYSE:BOH, NAS:OZRK, NYSE:BBT » details
QNB Corp is a bank holding company through its wholly-owned subsidiary engaged in the general commercial banking business and provides a full range of banking services to its customers.

QNB Corp was incorporated under the laws of the Commonwealth of Pennsylvania on June 4, 1984. The Company conducts its business through its wholly-owned subsidiary, QNB Bank (the Bank). It is a Pennsylvania chartered commercial bank. The Bank also operated ten other full-service community banking offices in Bucks, Montgomery and Lehigh counties in southeastern Pennsylvania. It is engaged in the general commercial banking business and provides a full range of banking services to its customers. These banking services consist of, among other things, attracting deposits and using these funds in making commercial loans, residential mortgage loans, consumer loans, and purchasing investment securities. These deposits are in the form of time, demand and savings accounts. Time deposits include certificates of deposit and individual retirement accounts. The Bank's demand and savings accounts include money market accounts, interest-bearing demand accounts (including a high-yield checking account), club accounts, traditional statement savings accounts, and a high-yield online savings account. The Company faces competition from financial institutions, including large national and regional banks, community banks, savings institutions and credit unions. QNB is registered as a bank holding company and is subject to the regulations of the Board of Governors of the Federal Reserve System under the BHCA.

Ratios

vs
industry
vs
history
PE Ratio 14.52
QNBC's PE Ratio is ranked lower than
55% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. QNBC: 14.52 )
Ranked among companies with meaningful PE Ratio only.
QNBC' s PE Ratio Range Over the Past 10 Years
Min: 7.55  Med: 10.79 Max: 29.08
Current: 14.52
7.55
29.08
PE Ratio without NRI 14.52
QNBC's PE Ratio without NRI is ranked lower than
51% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. QNBC: 14.52 )
Ranked among companies with meaningful PE Ratio without NRI only.
QNBC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.55  Med: 10.79 Max: 29.08
Current: 14.52
7.55
29.08
Price-to-Owner-Earnings 14.79
QNBC's Price-to-Owner-Earnings is ranked lower than
54% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. QNBC: 14.79 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
QNBC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.56  Med: 12.45 Max: 355.76
Current: 14.79
6.56
355.76
PB Ratio 1.39
QNBC's PB Ratio is ranked lower than
63% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. QNBC: 1.39 )
Ranked among companies with meaningful PB Ratio only.
QNBC' s PB Ratio Range Over the Past 10 Years
Min: 0.88  Med: 1.08 Max: 1.83
Current: 1.39
0.88
1.83
PS Ratio 3.79
QNBC's PS Ratio is ranked lower than
60% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. QNBC: 3.79 )
Ranked among companies with meaningful PS Ratio only.
QNBC' s PS Ratio Range Over the Past 10 Years
Min: 2.03  Med: 2.65 Max: 4.82
Current: 3.79
2.03
4.82
Price-to-Free-Cash-Flow 11.76
QNBC's Price-to-Free-Cash-Flow is ranked higher than
50% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. QNBC: 11.76 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
QNBC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.71  Med: 10.09 Max: 19.28
Current: 11.76
4.71
19.28
Price-to-Operating-Cash-Flow 11.43
QNBC's Price-to-Operating-Cash-Flow is ranked lower than
53% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. QNBC: 11.43 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
QNBC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.44  Med: 9.14 Max: 16.07
Current: 11.43
4.44
16.07
EV-to-EBIT 14.39
QNBC's EV-to-EBIT is ranked lower than
63% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. QNBC: 14.39 )
Ranked among companies with meaningful EV-to-EBIT only.
QNBC' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.7  Med: 10.8 Max: 42.1
Current: 14.39
4.7
42.1
EV-to-EBITDA 13.32
QNBC's EV-to-EBITDA is ranked lower than
64% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. QNBC: 13.32 )
Ranked among companies with meaningful EV-to-EBITDA only.
QNBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.3  Med: 9.7 Max: 31.3
Current: 13.32
4.3
31.3
Shiller PE Ratio 16.06
QNBC's Shiller PE Ratio is ranked higher than
70% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. QNBC: 16.06 )
Ranked among companies with meaningful Shiller PE Ratio only.
QNBC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.97  Med: 11.61 Max: 16.13
Current: 16.06
7.97
16.13

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.17
QNBC's Dividend Yield % is ranked higher than
58% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. QNBC: 3.17 )
Ranked among companies with meaningful Dividend Yield % only.
QNBC' s Dividend Yield % Range Over the Past 10 Years
Min: 2.97  Med: 4.23 Max: 5.83
Current: 3.17
2.97
5.83
Dividend Payout Ratio 0.46
QNBC's Dividend Payout Ratio is ranked lower than
71% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. QNBC: 0.46 )
Ranked among companies with meaningful Dividend Payout Ratio only.
QNBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.36  Med: 0.44 Max: 0.92
Current: 0.46
0.36
0.92
3-Year Dividend Growth Rate 3.60
QNBC's 3-Year Dividend Growth Rate is ranked lower than
65% of the 772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. QNBC: 3.60 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
QNBC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 3.8 Max: 42.3
Current: 3.6
0
42.3
Forward Dividend Yield % 3.17
QNBC's Forward Dividend Yield % is ranked higher than
54% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. QNBC: 3.17 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.80
QNBC's 5-Year Yield-on-Cost % is ranked higher than
57% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. QNBC: 3.80 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
QNBC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.44  Med: 5.05 Max: 6.99
Current: 3.8
3.44
6.99
3-Year Average Share Buyback Ratio -1.40
QNBC's 3-Year Average Share Buyback Ratio is ranked higher than
51% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. QNBC: -1.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
QNBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -2  Med: -0.3 Max: 1.2
Current: -1.4
-2
1.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.39
QNBC's Price-to-Tangible-Book is ranked lower than
57% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. QNBC: 1.39 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
QNBC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.93  Med: 1.39 Max: 2.42
Current: 1.39
0.93
2.42
Price-to-Intrinsic-Value-Projected-FCF 0.78
QNBC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
53% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. QNBC: 0.78 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
QNBC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.46  Med: 0.56 Max: 1.11
Current: 0.78
0.46
1.11
Price-to-Median-PS-Value 1.43
QNBC's Price-to-Median-PS-Value is ranked lower than
76% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. QNBC: 1.43 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
QNBC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.78  Med: 1.17 Max: 21.84
Current: 1.43
0.78
21.84
Price-to-Graham-Number 0.95
QNBC's Price-to-Graham-Number is ranked lower than
52% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. QNBC: 0.95 )
Ranked among companies with meaningful Price-to-Graham-Number only.
QNBC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.59  Med: 0.86 Max: 1.43
Current: 0.95
0.59
1.43
Earnings Yield (Greenblatt) % 6.95
QNBC's Earnings Yield (Greenblatt) % is ranked higher than
52% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. QNBC: 6.95 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
QNBC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.4  Med: 9.3 Max: 21.1
Current: 6.95
2.4
21.1
Forward Rate of Return (Yacktman) % 5.51
QNBC's Forward Rate of Return (Yacktman) % is ranked lower than
68% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. QNBC: 5.51 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
QNBC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -7  Med: 11.4 Max: 35.2
Current: 5.51
-7
35.2

More Statistics

Revenue (TTM) (Mil) $34.17
EPS (TTM) $ 2.63
Beta0.44
Short Percentage of Float0.00%
52-Week Range $29.35 - 38.40
Shares Outstanding (Mil)3.42
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Headlines

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