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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 : 6/10

vs
industry
vs
history
Cash to Debt 2.28
QNBC's Cash to Debt is ranked higher than
81% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. QNBC: 2.28 )
QNBC' s 10-Year Cash to Debt Range
Min: 0.15   Max: No Debt
Current: 2.28

Equity to Asset 0.08
QNBC's Equity to Asset is ranked higher than
60% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. QNBC: 0.08 )
QNBC' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.09
Current: 0.08

0.07
0.09
Interest Coverage 2.13
QNBC's Interest Coverage is ranked higher than
77% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. QNBC: 2.13 )
QNBC' s 10-Year Interest Coverage Range
Min: 0.19   Max: 9999.99
Current: 2.13

0.19
9999.99
F-Score: 4
Z-Score: 0.24
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 (%) 33.94
QNBC's Operating margin (%) is ranked higher than
82% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. QNBC: 33.94 )
QNBC' s 10-Year Operating margin (%) Range
Min: -317.96   Max: 38.1
Current: 33.94

-317.96
38.1
Net-margin (%) 26.37
QNBC's Net-margin (%) is ranked higher than
83% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. QNBC: 26.37 )
QNBC' s 10-Year Net-margin (%) Range
Min: 16.49   Max: 135
Current: 26.37

16.49
135
ROE (%) 10.69
QNBC's ROE (%) is ranked higher than
83% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. QNBC: 10.69 )
QNBC' s 10-Year ROE (%) Range
Min: 5.88   Max: 24.57
Current: 10.69

5.88
24.57
ROA (%) 0.90
QNBC's ROA (%) is ranked higher than
77% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. QNBC: 0.90 )
QNBC' s 10-Year ROA (%) Range
Min: 0.5   Max: 2
Current: 0.9

0.5
2
ROC (Joel Greenblatt) (%) 53.96
QNBC's ROC (Joel Greenblatt) (%) is ranked higher than
69% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. QNBC: 53.96 )
QNBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -248.71   Max: 147.34
Current: 53.96

-248.71
147.34
Revenue Growth (%) -0.30
QNBC's Revenue Growth (%) is ranked higher than
72% of the 1727 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. QNBC: -0.30 )
QNBC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 88.6
Current: -0.3

0
88.6
EBITDA Growth (%) 4.50
QNBC's EBITDA Growth (%) is ranked higher than
72% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. QNBC: 4.50 )
QNBC' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 36.6
Current: 4.5

0
36.6
EPS Growth (%) 3.50
QNBC's EPS Growth (%) is ranked higher than
69% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. QNBC: 3.50 )
QNBC' s 10-Year EPS Growth (%) Range
Min: 0   Max: 34.2
Current: 3.5

0
34.2
» 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) 11.10
QNBC's P/E(ttm) is ranked higher than
89% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.50 vs. QNBC: 11.10 )
QNBC' s 10-Year P/E(ttm) Range
Min: 7.55   Max: 29.08
Current: 11.1

7.55
29.08
P/B 1.10
QNBC's P/B is ranked higher than
78% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. QNBC: 1.10 )
QNBC' s 10-Year P/B Range
Min: 0.88   Max: 2.48
Current: 1.1

0.88
2.48
P/S 2.90
QNBC's P/S is ranked higher than
79% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. QNBC: 2.90 )
QNBC' s 10-Year P/S Range
Min: 2.03   Max: 6.17
Current: 2.9

2.03
6.17
PFCF 17.50
QNBC's PFCF is ranked higher than
83% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. QNBC: 17.50 )
QNBC' s 10-Year PFCF Range
Min: 4.72   Max: 22.87
Current: 17.5

4.72
22.87
EV-to-EBIT 5.27
QNBC's EV-to-EBIT is ranked higher than
96% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. QNBC: 5.27 )
QNBC' s 10-Year EV-to-EBIT Range
Min: 4.7   Max: 42.1
Current: 5.27

4.7
42.1
PEG 0.64
QNBC's PEG is ranked higher than
94% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. QNBC: 0.64 )
QNBC' s 10-Year PEG Range
Min: 0.33   Max: 17.3
Current: 0.64

0.33
17.3
Shiller P/E 11.50
QNBC's Shiller P/E is ranked higher than
96% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. QNBC: 11.50 )
QNBC' s 10-Year Shiller P/E Range
Min: 9.02   Max: 19.53
Current: 11.5

9.02
19.53

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.90
QNBC's Dividend Yield is ranked higher than
81% of the 1871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.25 vs. QNBC: 3.90 )
QNBC' s 10-Year Dividend Yield Range
Min: 1.89   Max: 5.83
Current: 3.9

1.89
5.83
Dividend Payout 0.43
QNBC's Dividend Payout is ranked higher than
69% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. QNBC: 0.43 )
QNBC' s 10-Year Dividend Payout Range
Min: 0.32   Max: 1.3
Current: 0.43

0.32
1.3
Dividend growth (3y) 4.00
QNBC's Dividend growth (3y) is ranked higher than
75% of the 1118 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. QNBC: 4.00 )
QNBC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 42.3
Current: 4

0
42.3
Yield on cost (5-Year) 4.57
QNBC's Yield on cost (5-Year) is ranked higher than
77% of the 1883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. QNBC: 4.57 )
QNBC' s 10-Year Yield on cost (5-Year) Range
Min: 2.21   Max: 6.82
Current: 4.57

2.21
6.82
Share Buyback Rate -1.50
QNBC's Share Buyback Rate is ranked higher than
74% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. QNBC: -1.50 )
QNBC' s 10-Year Share Buyback Rate Range
Min: 0   Max: -1.5
Current: -1.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.13
QNBC's Price/Tangible Book is ranked higher than
82% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. QNBC: 1.13 )
QNBC' s 10-Year Price/Tangible Book Range
Min: 0.9   Max: 2.42
Current: 1.13

0.9
2.42
Price/DCF (Projected) 0.56
QNBC's Price/DCF (Projected) is ranked higher than
90% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.54 vs. QNBC: 0.56 )
QNBC' s 10-Year Price/DCF (Projected) Range
Min: 0.44   Max: 0.91
Current: 0.56

0.44
0.91
Price/Median PS Value 1.10
QNBC's Price/Median PS Value is ranked higher than
81% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. QNBC: 1.10 )
QNBC' s 10-Year Price/Median PS Value Range
Min: 0.77   Max: 29
Current: 1.1

0.77
29
Price/Peter Lynch Fair Value 1.03
QNBC's Price/Peter Lynch Fair Value is ranked higher than
93% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. QNBC: 1.03 )
QNBC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.34   Max: 2.84
Current: 1.03

0.34
2.84
Price/Graham Number 0.74
QNBC's Price/Graham Number is ranked higher than
89% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. QNBC: 0.74 )
QNBC' s 10-Year Price/Graham Number Range
Min: 0.58   Max: 1.41
Current: 0.74

0.58
1.41
Earnings Yield (Greenblatt) 19.00
QNBC's Earnings Yield (Greenblatt) is ranked higher than
95% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. QNBC: 19.00 )
QNBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.4   Max: 21.1
Current: 19

2.4
21.1
Forward Rate of Return (Yacktman) 20.52
QNBC's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 1512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.69 vs. QNBC: 20.52 )
QNBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -8   Max: 35.3
Current: 20.52

-8
35.3

Business Description

Industry: Banks » Banks - Regional - US
Compare: » 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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