Switch to:

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 : 6/10

vs
industry
vs
history
Cash to Debt 1.58
QNBC's Cash to Debt is ranked lower than
55% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. QNBC: 1.58 )
Ranked among companies with meaningful Cash to Debt only.
QNBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.34 Max: N/A
Current: 1.58
Equity to Asset 0.09
QNBC's Equity to Asset is ranked lower than
61% of the 1610 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: 0.1
Current: 0.09
0.07
0.1
Interest Coverage 2.45
QNBC's Interest Coverage is ranked higher than
60% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. QNBC: 2.45 )
Ranked among companies with meaningful Interest Coverage only.
QNBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.19  Med: 1.14 Max: 2.56
Current: 2.45
0.19
2.56
F-Score: 4
WACC vs ROIC
5.82%
9.59%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 33.35
QNBC's Operating margin (%) is ranked higher than
56% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. QNBC: 33.35 )
Ranked among companies with meaningful Operating margin (%) only.
QNBC' s Operating margin (%) Range Over the Past 10 Years
Min: 18.04  Med: 32.28 Max: 36.47
Current: 33.35
18.04
36.47
Net-margin (%) 25.16
QNBC's Net-margin (%) is ranked higher than
59% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. QNBC: 25.16 )
Ranked among companies with meaningful Net-margin (%) only.
QNBC' s Net-margin (%) Range Over the Past 10 Years
Min: 16.49  Med: 25.73 Max: 28.4
Current: 25.16
16.49
28.4
ROE (%) 9.22
QNBC's ROE (%) is ranked higher than
57% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. QNBC: 9.22 )
Ranked among companies with meaningful ROE (%) only.
QNBC' s ROE (%) Range Over the Past 10 Years
Min: 5.88  Med: 11.03 Max: 13.46
Current: 9.22
5.88
13.46
ROA (%) 0.84
QNBC's ROA (%) is ranked lower than
53% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. QNBC: 0.84 )
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: 0.84
0.5
1.06
Revenue Growth (3Y)(%) -0.30
QNBC's Revenue Growth (3Y)(%) is ranked lower than
67% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. QNBC: -0.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
QNBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.7  Med: 6.9 Max: 88.4
Current: -0.3
-3.7
88.4
EBITDA Growth (3Y)(%) -4.20
QNBC's EBITDA Growth (3Y)(%) is ranked lower than
77% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. QNBC: -4.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
QNBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -25.6  Med: 2.55 Max: 36.5
Current: -4.2
-25.6
36.5
EPS Growth (3Y)(%) -4.90
QNBC's EPS Growth (3Y)(%) is ranked lower than
78% of the 1213 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. QNBC: -4.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
QNBC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -21  Med: 9.7 Max: 34.2
Current: -4.9
-21
34.2
» QNBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Insider Trades

Latest Guru Trades with QNBC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:PEBK, NYSE:MSL, NAS:UNTY, OTCPK:BERK, NAS:FCTY, NAS:CIVB, NAS:CIZN, AMEX:EVBN, NAS:ISTR, OTCPK:IALB, NAS:ENFC, NAS:TCFC, NAS:NWFL, NAS:ESXB, NAS:FCCY, OTCPK:CWBB, OTCPK:MVBF, NAS:OPOF, NAS:UBFO, OTCPK:FRAF » 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
P/E(ttm) 13.24
QNBC's P/E(ttm) is ranked higher than
50% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. QNBC: 13.24 )
Ranked among companies with meaningful P/E(ttm) only.
QNBC' s P/E(ttm) Range Over the Past 10 Years
Min: 7.55  Med: 10.85 Max: 29.08
Current: 13.24
7.55
29.08
PE(NRI) 13.24
QNBC's PE(NRI) is ranked higher than
50% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. QNBC: 13.24 )
Ranked among companies with meaningful PE(NRI) only.
QNBC' s PE(NRI) Range Over the Past 10 Years
Min: 7.55  Med: 10.85 Max: 29.08
Current: 13.24
7.55
29.08
Price/Owner Earnings (ttm) 13.00
QNBC's Price/Owner Earnings (ttm) is ranked lower than
51% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. QNBC: 13.00 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
QNBC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.56  Med: 12.44 Max: 355.76
Current: 13
6.56
355.76
P/B 1.17
QNBC's P/B is ranked lower than
58% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. QNBC: 1.17 )
Ranked among companies with meaningful P/B only.
QNBC' s P/B Range Over the Past 10 Years
Min: 0.88  Med: 1.08 Max: 1.93
Current: 1.17
0.88
1.93
P/S 3.33
QNBC's P/S is ranked lower than
57% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. QNBC: 3.33 )
Ranked among companies with meaningful P/S only.
QNBC' s P/S Range Over the Past 10 Years
Min: 2.03  Med: 2.65 Max: 5.84
Current: 3.33
2.03
5.84
PFCF 9.84
QNBC's PFCF is ranked higher than
54% of the 817 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. QNBC: 9.84 )
Ranked among companies with meaningful PFCF only.
QNBC' s PFCF Range Over the Past 10 Years
Min: 4.71  Med: 10.12 Max: 19.28
Current: 9.84
4.71
19.28
POCF 9.45
QNBC's POCF is ranked lower than
51% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.22 vs. QNBC: 9.45 )
Ranked among companies with meaningful POCF only.
QNBC' s POCF Range Over the Past 10 Years
Min: 4.44  Med: 9.15 Max: 16.07
Current: 9.45
4.44
16.07
EV-to-EBIT 8.17
QNBC's EV-to-EBIT is ranked higher than
69% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. QNBC: 8.17 )
Ranked among companies with meaningful EV-to-EBIT only.
QNBC' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.7  Med: 11.3 Max: 42.1
Current: 8.17
4.7
42.1
EV-to-EBITDA 7.49
QNBC's EV-to-EBITDA is ranked higher than
69% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. QNBC: 7.49 )
Ranked among companies with meaningful EV-to-EBITDA only.
QNBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.3  Med: 10.2 Max: 31.3
Current: 7.49
4.3
31.3
PEG 11.00
QNBC's PEG is ranked lower than
94% of the 740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. QNBC: 11.00 )
Ranked among companies with meaningful PEG only.
QNBC' s PEG Range Over the Past 10 Years
Min: 0.34  Med: 1.03 Max: 43.22
Current: 11
0.34
43.22
Shiller P/E 14.39
QNBC's Shiller P/E is ranked higher than
69% of the 494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.76 vs. QNBC: 14.39 )
Ranked among companies with meaningful Shiller P/E only.
QNBC' s Shiller P/E Range Over the Past 10 Years
Min: 7.97  Med: 11.54 Max: 15.02
Current: 14.39
7.97
15.02

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.55
QNBC's Dividend Yield is ranked higher than
61% of the 2190 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. QNBC: 3.55 )
Ranked among companies with meaningful Dividend Yield only.
QNBC' s Dividend Yield Range Over the Past 10 Years
Min: 2.66  Med: 4.22 Max: 5.83
Current: 3.55
2.66
5.83
Dividend Payout 0.47
QNBC's Dividend Payout is ranked lower than
71% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. QNBC: 0.47 )
Ranked among companies with meaningful Dividend Payout only.
QNBC' s Dividend Payout Range Over the Past 10 Years
Min: 0.32  Med: 0.42 Max: 1.3
Current: 0.47
0.32
1.3
Dividend Growth (3y) 3.70
QNBC's Dividend Growth (3y) is ranked lower than
67% of the 734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. QNBC: 3.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
QNBC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 3.8 Max: 42.3
Current: 3.7
0
42.3
Forward Dividend Yield 3.58
QNBC's Forward Dividend Yield is ranked higher than
58% of the 2073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.13 vs. QNBC: 3.58 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.30
QNBC's Yield on cost (5-Year) is ranked higher than
60% of the 2538 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. QNBC: 4.30 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
QNBC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 3.22  Med: 5.11 Max: 7.06
Current: 4.3
3.22
7.06
3-Year Average Share Buyback Ratio -2.00
QNBC's 3-Year Average Share Buyback Ratio is ranked higher than
50% of the 1052 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. QNBC: -2.00 )
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: -2
-2
1.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.17
QNBC's Price/Tangible Book is ranked lower than
53% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. QNBC: 1.17 )
Ranked among companies with meaningful Price/Tangible Book only.
QNBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.9  Med: 1.18 Max: 2.42
Current: 1.17
0.9
2.42
Price/Projected FCF 0.66
QNBC's Price/Projected FCF is ranked higher than
55% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. QNBC: 0.66 )
Ranked among companies with meaningful Price/Projected FCF only.
QNBC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.44  Med: 0.59 Max: 1.17
Current: 0.66
0.44
1.17
Price/Median PS Value 1.26
QNBC's Price/Median PS Value is ranked lower than
76% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. QNBC: 1.26 )
Ranked among companies with meaningful Price/Median PS Value only.
QNBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.78  Med: 1.13 Max: 29
Current: 1.26
0.78
29
Price/Graham Number 0.83
QNBC's Price/Graham Number is ranked higher than
53% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. QNBC: 0.83 )
Ranked among companies with meaningful Price/Graham Number only.
QNBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.49  Med: 0.76 Max: 1.43
Current: 0.83
0.49
1.43
Earnings Yield (Greenblatt) (%) 12.20
QNBC's Earnings Yield (Greenblatt) (%) is ranked higher than
76% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. QNBC: 12.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
QNBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.4  Med: 8.9 Max: 21.1
Current: 12.2
2.4
21.1
Forward Rate of Return (Yacktman) (%) 7.29
QNBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
62% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. QNBC: 7.29 )
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: 12.6 Max: 35.2
Current: 7.29
-7
35.2

More Statistics

Revenue (TTM) (Mil) $33.89
EPS (TTM) $ 2.53
Beta0.40
Short Percentage of Float0.00%
52-Week Range $29.20 - 35.00
Shares Outstanding (Mil)3.39
» More Articles for QNBC

Headlines

Articles On GuruFocus.com
No related article found.

More From Other Websites
QNB launches exclusive campaign for MasterCard® credit cardholders Read More... Sep 26 2016
QNB Launches New ZERO FEES International Transfers Campaign Read More... Sep 07 2016
QNB Corp. : Undervalued relative to peers, but don’t ignore the other factors Sep 01 2016
QNB Group announces the successful issue of bonds amounting to USD 1 billion under its medium term... Sep 01 2016
QNB announces winners of its “ATM Use & Win” campaign Read More... Aug 31 2016
QNB Group Obtains Authorization to Provide Banking Services in the Republic of India Read More... Aug 29 2016
QNB Corp. Declares Dividend Aug 24 2016
QNB CORP Financials Aug 17 2016
QNB CORP Files SEC form 10-Q, Quarterly Report Aug 08 2016
QNB Suisse moves to prestigious new location by Lake Geneva Read More... Jul 31 2016
QNB Corp. Reports Increased Earnings For Second Quarter 2016 Jul 26 2016
QNB CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements and... Jul 26 2016
QNB wins Consumer Service Innovation Award for its contribution to the Ooredoo Mobile Money platform... Jul 26 2016
Financial Results For the Six Months Ended 30 June 2016 Read More... Jul 12 2016
QNB Corp. : Undervalued relative to peers, but don’t ignore the other factors Jun 16 2016
Following QNB’s acquisition of Turkey’s Finansbank, 27,300 employees operating at 1,200 branches... Jun 15 2016
QNB and MasterCard launch campaign to reward cardholders with QAR 10,000 Daily for 100 Days Read... Jun 13 2016
QNB completes transaction raising QAR 10 billion of additional Tier 1 perpetual capital notes Read... Jun 12 2016
QNB signs new MOU with Qatari banking school Read More... Jun 02 2016
QNB honours its brand ambassadors Read More... May 30 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)