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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.46
QNBC's Cash to Debt is ranked lower than
72% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. QNBC: 0.46 )
Ranked among companies with meaningful Cash to Debt only.
QNBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.33 Max: 2.18
Current: 0.46
0.15
2.18
Equity to Asset 0.09
QNBC's Equity to Asset is ranked lower than
61% of the 1660 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 2.40
QNBC's Interest Coverage is ranked higher than
60% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. QNBC: 2.40 )
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: 2.4
0.19
2.56
F-Score: 4
WACC vs ROIC
6.23%
9.18%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 32.34
QNBC's Operating margin (%) is ranked higher than
53% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. QNBC: 32.34 )
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: 32.34
18.04
36.47
Net-margin (%) 24.65
QNBC's Net-margin (%) is ranked higher than
57% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. QNBC: 24.65 )
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: 24.65
16.49
28.4
ROE (%) 9.24
QNBC's ROE (%) is ranked higher than
56% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. QNBC: 9.24 )
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: 9.24
5.88
13.46
ROA (%) 0.83
QNBC's ROA (%) is ranked lower than
55% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. QNBC: 0.83 )
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: 0.83
0.5
1.06
Revenue Growth (3Y)(%) -0.30
QNBC's Revenue Growth (3Y)(%) is ranked lower than
67% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 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: 6.90 Max: 88.4
Current: -0.3
-3.7
88.4
EBITDA Growth (3Y)(%) -4.20
QNBC's EBITDA Growth (3Y)(%) is ranked lower than
78% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 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
79% of the 1248 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: 9.70 Max: 34.1
Current: -4.9
-21
34.1
» QNBC's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 12.36
QNBC's P/E(ttm) is ranked higher than
50% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. QNBC: 12.36 )
Ranked among companies with meaningful P/E(ttm) only.
QNBC' s P/E(ttm) Range Over the Past 10 Years
Min: 7.55  Med: 10.79 Max: 29.08
Current: 12.36
7.55
29.08
PE(NRI) 12.36
QNBC's PE(NRI) is ranked higher than
50% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. QNBC: 12.36 )
Ranked among companies with meaningful PE(NRI) only.
QNBC' s PE(NRI) Range Over the Past 10 Years
Min: 7.55  Med: 10.78 Max: 29.08
Current: 12.36
7.55
29.08
Price/Owner Earnings (ttm) 14.77
QNBC's Price/Owner Earnings (ttm) is ranked lower than
68% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. QNBC: 14.77 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
QNBC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.53  Med: 12.77 Max: 262.38
Current: 14.77
6.53
262.38
P/B 1.13
QNBC's P/B is ranked lower than
59% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. QNBC: 1.13 )
Ranked among companies with meaningful P/B only.
QNBC' s P/B Range Over the Past 10 Years
Min: 0.88  Med: 1.09 Max: 2.05
Current: 1.13
0.88
2.05
P/S 3.05
QNBC's P/S is ranked lower than
53% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. QNBC: 3.05 )
Ranked among companies with meaningful P/S only.
QNBC' s P/S Range Over the Past 10 Years
Min: 2.03  Med: 2.68 Max: 6.15
Current: 3.05
2.03
6.15
PFCF 11.93
QNBC's PFCF is ranked lower than
59% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. QNBC: 11.93 )
Ranked among companies with meaningful PFCF only.
QNBC' s PFCF Range Over the Past 10 Years
Min: 4.71  Med: 10.69 Max: 165.68
Current: 11.93
4.71
165.68
POCF 11.17
QNBC's POCF is ranked lower than
63% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. QNBC: 11.17 )
Ranked among companies with meaningful POCF only.
QNBC' s POCF Range Over the Past 10 Years
Min: 4.44  Med: 9.36 Max: 136.59
Current: 11.17
4.44
136.59
EV-to-EBIT 11.36
QNBC's EV-to-EBIT is ranked higher than
58% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. QNBC: 11.36 )
Ranked among companies with meaningful EV-to-EBIT only.
QNBC' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.7  Med: 12.20 Max: 42.1
Current: 11.36
4.7
42.1
EV-to-EBITDA 10.31
QNBC's EV-to-EBITDA is ranked higher than
58% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. QNBC: 10.31 )
Ranked among companies with meaningful EV-to-EBITDA only.
QNBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.3  Med: 10.80 Max: 31.3
Current: 10.31
4.3
31.3
PEG 10.42
QNBC's PEG is ranked lower than
95% of the 724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. QNBC: 10.42 )
Ranked among companies with meaningful PEG only.
QNBC' s PEG Range Over the Past 10 Years
Min: 0.34  Med: 0.98 Max: 123.83
Current: 10.42
0.34
123.83
Shiller P/E 13.33
QNBC's Shiller P/E is ranked higher than
71% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.22 vs. QNBC: 13.33 )
Ranked among companies with meaningful Shiller P/E only.
QNBC' s Shiller P/E Range Over the Past 10 Years
Min: 7.93  Med: 11.39 Max: 14.54
Current: 13.33
7.93
14.54

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.85
QNBC's Dividend Yield is ranked higher than
66% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. QNBC: 3.85 )
Ranked among companies with meaningful Dividend Yield only.
QNBC' s Dividend Yield Range Over the Past 10 Years
Min: 2.44  Med: 4.22 Max: 5.83
Current: 3.85
2.44
5.83
Dividend Payout 0.47
QNBC's Dividend Payout is ranked lower than
70% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. QNBC: 0.47 )
Ranked among companies with meaningful Dividend Payout only.
QNBC' s Dividend Payout Range Over the Past 10 Years
Min: 0.18  Med: 0.41 Max: 0.92
Current: 0.47
0.18
0.92
Dividend Growth (3y) 3.70
QNBC's Dividend Growth (3y) is ranked lower than
66% of the 742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 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: 3.80 Max: 42.3
Current: 3.7
0
42.3
Forward Dividend Yield 3.90
QNBC's Forward Dividend Yield is ranked higher than
63% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. QNBC: 3.90 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.66
QNBC's Yield on cost (5-Year) is ranked higher than
64% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. QNBC: 4.66 )
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: 2.95  Med: 5.11 Max: 7.06
Current: 4.66
2.95
7.06
3-Year Average Share Buyback Ratio -1.40
QNBC's 3-Year Average Share Buyback Ratio is ranked higher than
55% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 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: -1.5  Med: -0.10 Max: 1
Current: -1.4
-1.5
1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.13
QNBC's Price/Tangible Book is ranked lower than
52% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. QNBC: 1.13 )
Ranked among companies with meaningful Price/Tangible Book only.
QNBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.93  Med: 1.44 Max: 2.42
Current: 1.13
0.93
2.42
Price/Projected FCF 0.62
QNBC's Price/Projected FCF is ranked higher than
54% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. QNBC: 0.62 )
Ranked among companies with meaningful Price/Projected FCF only.
QNBC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.46  Med: 0.58 Max: 1.11
Current: 0.62
0.46
1.11
Price/Median PS Value 1.14
QNBC's Price/Median PS Value is ranked lower than
69% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. QNBC: 1.14 )
Ranked among companies with meaningful Price/Median PS Value only.
QNBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.77  Med: 1.14 Max: 21.84
Current: 1.14
0.77
21.84
Price/Graham Number 0.79
QNBC's Price/Graham Number is ranked higher than
53% of the 1461 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. QNBC: 0.79 )
Ranked among companies with meaningful Price/Graham Number only.
QNBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.59  Med: 0.86 Max: 1.43
Current: 0.79
0.59
1.43
Earnings Yield (Greenblatt) (%) 8.79
QNBC's Earnings Yield (Greenblatt) (%) is ranked higher than
62% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. QNBC: 8.79 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
QNBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.4  Med: 8.15 Max: 21.1
Current: 8.79
2.4
21.1
Forward Rate of Return (Yacktman) (%) 10.28
QNBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
56% of the 843 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.13 vs. QNBC: 10.28 )
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: -8.9  Med: 13.25 Max: 35.2
Current: 10.28
-8.9
35.2

More Statistics

Revenue(Mil) $33
EPS $ 2.46
Beta0.43
Short Percentage of Float0.00%
52-Week Range $29.12 - 33.00
Shares Outstanding(Mil)3.37

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:FCTY, NAS:BCBP, OTCPK:BERK, NAS:CFCB, NAS:INBK, NAS:ISTR » details
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.
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