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QNBQNBC +0.28%61 OCF Margin % is 33.60% as of Jun. 2026, which is 2% above its 10-year median of 32.87. GuruFocus rates QNBC with a GF Score™ of 61/100 and a GF Value™ of $39.61 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,492 Banks companies, QNB ranks worse than 57.98% on this metric.
OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. QNB's Cash Flow from Operations for the
three
months ended in Jun. 2026 was $6.88 Mil. QNB's Revenue for the
three
months ended in Jun. 2026 was $20.49 Mil. Therefore, QNB's OCF Margin % for the quarter that ended in Jun. 2026 was 33.60%.
The historical data trend for QNB's OCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, QNB's OCF Margin %, along with its competitors' market caps and OCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
QNB OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, QNB's OCF Margin % distribution charts can be found below:
* The bar in red indicates where QNB's OCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
QNB (QNBC) has a OCF Margin % of 33.60% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on QNB and its competitors. This is near median its historical median of 32.87. Over the past decade, QNB's OCF Margin % has ranged from 16.95 to 58.54. According to the industry distribution chart, QNB ranks #865 out of 1492 companies in the Banks industry, placing it in the top 58%.
Is QNB's OCF Margin % too high?
QNB's current OCF Margin % of 33.60% is near median its 10-year median of 32.87. Over the past 10 years, this metric has ranged from a low of 16.95 to a high of 58.54. The Banks industry median OCF Margin % is 30.47. QNB's value of 33.60% is 10.3% above this industry median. Based on the distribution chart, QNB ranks #865 out of 1492 companies in the Banks industry, which is below the industry midpoint. Overall, QNB has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does QNB's OCF Margin % compare to PBNC and CFBK?
According to the Banks industry distribution chart, QNB ranks #865 out of 1492 companies for OCF Margin %. This places QNB in the lower half of its industry. The industry median OCF Margin % is 30.47. QNB's value of 33.60% is 10.3% above this benchmark. Historically, QNB's own OCF Margin % has ranged from 16.95 to 58.54 over the past decade. While the company's 10-year median is 32.87 vs. the industry median of 30.47, QNB has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.47, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. QNB's current OCF Margin % of 33.60% is 10.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on QNB and its competitors. For the Banks industry, the median OCF Margin % is 30.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. QNB's current OCF Margin % is 33.60%, which is near median its own 10-year median of 32.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is QNB stock overvalued right now?
Based on GuruFocus' analysis, QNB (QNBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $39.61, compared to a current price of $45.18 — trading 14% above its estimated fair value. The current OCF Margin % is 33.60%, which is near median its 10-year median of 32.87 and 10.3% above the Banks industry median of 30.47. QNB's overall GF Score™ is 61/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For QNB (QNBC), the current OCF Margin % is 33.60% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is QNB (QNBC) Overvalued in 2026?
Based on GuruFocus' analysis, QNB stock appears to be overvalued.
The current stock price of $45.18 is trading 14% above its estimated GF Value™ of $39.61.
GuruFocus considers QNB to be Modestly Overvalued.
Key valuation signals for QNBC:
OCF Margin %: 33.60% (near median its 10-year median of 32.87)
GF Value™: $39.61 vs. price of $45.18 (14% above fair value)
Industry Position: 10.3% above the Banks median (#865 of 1492)
No single metric tells the full story. See the QNBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
QNB Corp is a bank holding company based in the United States. It operates through its wholly-owned subsidiary, which engages in the general commercial banking business and offers a full range of banking services to its customers. Its business activities involve attracting deposits and using funds in making commercial loans, residential mortgage loans, consumer loans, and purchasing investment securities. The loan portfolio includes commercial loans, such as commercial and industrial, construction, and loans secured by commercial real estate and residential real estate, and retail loans, including home equity loans and lines, and consumer loans. It generates revenue from net interest income.
61GF Score
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