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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
88% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 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: 0.33 Max: N/A
Current: 0.2
Equity-to-Asset 0.09
QNBC's Equity-to-Asset is ranked lower than
61% of the 1591 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
61% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 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
5.69%
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
59% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 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
61% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 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
58% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 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
53% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 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
64% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 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: 0  Med: 6.7 Max: 88.4
Current: 1.5
0
88.4
3-Year EBITDA Growth Rate 1.30
QNBC's 3-Year EBITDA Growth Rate is ranked lower than
67% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 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: 0  Med: 0.95 Max: 36.5
Current: 1.3
0
36.5
3-Year EPS without NRI Growth Rate 0.80
QNBC's 3-Year EPS without NRI Growth Rate is ranked lower than
69% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 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: 0  Med: 4.6 Max: 34.2
Current: 0.8
0
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
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Headquarter Location:USA
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 15.02
QNBC's PE Ratio is ranked higher than
50% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. QNBC: 15.02 )
Ranked among companies with meaningful PE Ratio only.
QNBC' s PE Ratio Range Over the Past 10 Years
Min: 7.55  Med: 10.85 Max: 29.08
Current: 15.02
7.55
29.08
PE Ratio without NRI 15.02
QNBC's PE Ratio without NRI is ranked higher than
51% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. QNBC: 15.02 )
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: 10.85 Max: 29.08
Current: 15.02
7.55
29.08
Price-to-Owner-Earnings 15.30
QNBC's Price-to-Owner-Earnings is ranked lower than
53% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. QNBC: 15.30 )
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: 12.51 Max: 355.76
Current: 15.3
6.56
355.76
PB Ratio 1.44
QNBC's PB Ratio is ranked lower than
61% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. QNBC: 1.44 )
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: 1.44
0.88
1.83
PS Ratio 3.92
QNBC's PS Ratio is ranked lower than
57% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. QNBC: 3.92 )
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: 3.92
2.03
4.82
Price-to-Free-Cash-Flow 12.16
QNBC's Price-to-Free-Cash-Flow is ranked higher than
52% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. QNBC: 12.16 )
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: 10.12 Max: 19.28
Current: 12.16
4.71
19.28
Price-to-Operating-Cash-Flow 11.82
QNBC's Price-to-Operating-Cash-Flow is ranked lower than
53% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. QNBC: 11.82 )
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: 9.15 Max: 16.07
Current: 11.82
4.44
16.07
EV-to-EBIT 14.76
QNBC's EV-to-EBIT is ranked lower than
56% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. QNBC: 14.76 )
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: 14.76
4.7
42.1
EV-to-EBITDA 13.66
QNBC's EV-to-EBITDA is ranked lower than
57% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. QNBC: 13.66 )
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: 13.66
4.3
31.3
Shiller PE Ratio 16.42
QNBC's Shiller PE Ratio is ranked higher than
70% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. QNBC: 16.42 )
Ranked among companies with meaningful Shiller PE Ratio only.
QNBC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.01  Med: 11.62 Max: 16.39
Current: 16.42
8.01
16.39

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.06
QNBC's Dividend Yield % is ranked higher than
58% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. QNBC: 3.06 )
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: 3.06
2.97
5.83
Dividend Payout Ratio 0.46
QNBC's Dividend Payout Ratio is ranked lower than
70% 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 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 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: 3.7 Max: 42.3
Current: 3.6
0
42.3
Forward Dividend Yield % 3.06
QNBC's Forward Dividend Yield % is ranked higher than
54% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. QNBC: 3.06 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.67
QNBC's 5-Year Yield-on-Cost % is ranked higher than
56% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. QNBC: 3.67 )
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: 3.56  Med: 5.07 Max: 6.99
Current: 3.67
3.56
6.99
3-Year Average Share Buyback Ratio -1.40
QNBC's 3-Year Average Share Buyback Ratio is ranked higher than
53% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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 1.44
QNBC's Price-to-Tangible-Book is ranked lower than
56% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. QNBC: 1.44 )
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: 1.43 Max: 2.42
Current: 1.44
0.93
2.42
Price-to-Intrinsic-Value-Projected-FCF 0.81
QNBC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
50% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. QNBC: 0.81 )
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: 0.81
0.46
1.11
Price-to-Median-PS-Value 1.48
QNBC's Price-to-Median-PS-Value is ranked lower than
75% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. QNBC: 1.48 )
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: 1.48
0.78
21.84
Price-to-Graham-Number 0.98
QNBC's Price-to-Graham-Number is ranked higher than
51% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. QNBC: 0.98 )
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: 0.87 Max: 1.43
Current: 0.98
0.59
1.43
Earnings Yield (Greenblatt) % 6.78
QNBC's Earnings Yield (Greenblatt) % is ranked higher than
57% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. QNBC: 6.78 )
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: 6.78
2.4
21.1
Forward Rate of Return (Yacktman) % 5.27
QNBC's Forward Rate of Return (Yacktman) % is ranked lower than
68% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. QNBC: 5.27 )
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: 10.5 Max: 35.2
Current: 5.27
-7
35.2

More Statistics

Revenue (TTM) (Mil) $34.17
EPS (TTM) $ 2.63
Beta0.44
Short Percentage of Float0.00%
52-Week Range $30.31 - 39.50
Shares Outstanding (Mil)3.42

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