Qnb Corp.
QNBC Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$45.99
KIRA · Stoqly’s AI analyst, in plain words
- Qnb Corp. had $58.2M of revenue in fiscal 2025, up 16.9% on the year before. Over five years, revenue changed +5.3% a year on average.
- Qnb Corp. made $14.1M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 4.1% a year.
- Qnb Corp. returned $5.0M to shareholders in fiscal 2025. The diluted share count rose 1.5%.
- It earned 12.1% on shareholders’ money. Running costs took 68.4% of revenue (the efficiency ratio; lower is better).
Market cap
$230M
P/E
13.6x
Revenue
$58.2M
Net income
$14.1M
Return on equity
12.1%
Efficiency ratio
68.4%
Qnb Corp. in 30 seconds · fiscal 2025
Are sales growing?
+16.9%
Yes. Sales grew 16.9% last year.
Does it make a profit?
24.2%
Yes. It keeps 24.2% of every sale as profit.
How lean are its costs?
68.4%
Costly. Running costs take 68.4% of revenue.
How much does it earn on its capital?
12.1%
Good. It earns 12.1% a year on shareholders’ money.
How is the share priced?
13.6x
One share costs 13.6 times its yearly profit per share.
What Qnb Corp. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 16, 2026
- Legal name
- QNB CORP.
- CIK
- 0000750558
Qnb Corp. · QNBC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $51.9M | $50.2M | $45.0M | $49.8M | $58.2M |
| Revenue growth | 15.7% | −3.2% | −10.4% | 10.6% | 16.9% |
| Net interest income | $42.1M | $44.5M | $40.2M | $42.9M | $51.2M |
| Net income | $16.5M | $15.9M | $9.5M | $11.4M | $14.1M |
| Net margin | 31.8% | 31.7% | 21.1% | 23.0% | 24.2% |
| Diluted EPS | $4.64 | $4.47 | $2.63 | $3.12 | $3.78 |
| Cash | |||||
| Cash from operations | $30.4M | $16.8M | $14.5M | $16.2M | $16.6M |
| Dividends paid | $4.4M | $4.5M | $4.7M | $4.8M | $5.0M |
| Share count change | 0.5% | 0.3% | 1.3% | 1.7% | 1.5% |
| Debt and strength | |||||
| Cash and short-term investments | $13.4M | $15.9M | $62.7M | $50.7M | $50.3M |
| Debt incl. finance leases | $78.5M | $171M | $114M | $83.8M | $80.6M |
| Loans, net | $915M | $1.0B | $1.1B | — | — |
| Deposits | $1.4B | $1.4B | $1.5B | $1.6B | $1.6B |
| Shareholders' equity | $136M | $71.0M | $90.8M | $103M | $130M |
| Returns and quality | |||||
| Return on equity | 12.2% | 15.3% | 11.7% | 11.8% | 12.1% |
| Return on tangible equity | 12.1% | 22.4% | 10.4% | 11.1% | 10.9% |
| Efficiency ratio | 59.7% | 62.7% | 75.8% | 71.3% | 68.4% |
| Piotroski F-score | 5 | 3 | 4 | 6 | 6 |
Insiders bought, 12 months
$0.2M
9 insiders
Insiders sold, 12 months
$0.0M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Qnb Corp. · QNBC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $45.99 a share, the company is worth $230M: 13.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000750558). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.