📊 QNBC Key Takeaways
Is Qnb Corp.. (QNBC) a Good Investment?
Despite impressive 80.8% YoY revenue growth, QNB Corp exhibits fundamental deterioration with flat net income growth and a critical interest coverage ratio of 0.9x, indicating operating income cannot cover interest expenses. The severe disconnect between revenue and profitability growth suggests operational challenges or margin compression that threaten financial stability.
Why Buy Qnb Corp.. Stock? QNBC Key Strengths
- Exceptional revenue growth of 80.8% year-over-year demonstrates market expansion
- Zero long-term debt and strong balance sheet provide financial flexibility
- Positive free cash flow of $16.6M with 17.9% FCF margin shows cash generation capability
QNBC Stock Risks: Qnb Corp.. Investment Risks
- Interest coverage ratio of 0.9x - operating income insufficient to cover interest obligations, indicating structural stress
- Net income flat YoY despite 80.8% revenue growth reveals severe margin compression or cost control failure
- Low ROA of 0.7% demonstrates poor asset utilization efficiency relative to $1.9B asset base; typical bank concerns around credit quality
Key Metrics to Watch
- Interest coverage ratio - must exceed 1.5x to indicate financial health restoration
- Net profit margin sustainability - track whether revenue growth converts to bottom-line earnings
- Loan loss provisions and non-performing asset ratios - critical for bank credit risk assessment
Qnb Corp.. (QNBC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
QNBC Profit Margin, ROE & Profitability Analysis
QNBC vs Finance Sector: How Qnb Corp.. Compares
How Qnb Corp.. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Qnb Corp.. Stock Overvalued? QNBC Valuation Analysis 2026
Based on fundamental analysis, Qnb Corp.. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Qnb Corp.. Balance Sheet: QNBC Debt, Cash & Liquidity
QNBC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Qnb Corp..'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.63 reflects profitable operations.
QNBC Revenue Growth, EPS Growth & YoY Performance
Qnb Corp.. Dividends, Buybacks & Capital Allocation
QNBC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Qnb Corp.. (CIK: 0000750558)
📋 Recent SEC Filings
❓ Frequently Asked Questions about QNBC
What is the AI rating for QNBC?
Qnb Corp.. (QNBC) has an AI rating of SELL with 68% confidence, based on fundamental analysis of SEC EDGAR filings.
What are QNBC's key strengths?
Claude: Exceptional revenue growth of 80.8% year-over-year demonstrates market expansion. Zero long-term debt and strong balance sheet provide financial flexibility.
What are the risks of investing in QNBC?
Claude: Interest coverage ratio of 0.9x - operating income insufficient to cover interest obligations, indicating structural stress. Net income flat YoY despite 80.8% revenue growth reveals severe margin compression or cost control failure.
What is QNBC's revenue and growth?
Qnb Corp.. reported revenue of $92.6M.
Does QNBC pay dividends?
Qnb Corp.. pays dividends, with $5.0M distributed to shareholders in the trailing twelve months.
Where can I find QNBC SEC filings?
Official SEC filings for Qnb Corp.. (CIK: 0000750558) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is QNBC's EPS?
Qnb Corp.. has a diluted EPS of $3.78.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is QNBC a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Qnb Corp.. has a SELL rating with 68% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is QNBC stock overvalued or undervalued?
Valuation metrics for QNBC: ROE of 10.9% (sector avg: 12%), net margin of 15.2% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy QNBC stock in 2026?
Our dual AI analysis gives Qnb Corp.. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is QNBC's free cash flow?
Qnb Corp..'s operating cash flow is $16.6M, with capital expenditures of N/A. FCF margin is 17.9%.
How does QNBC compare to other Finance stocks?
Vs Finance sector averages: Net margin 15.2% (avg: 25%), ROE 10.9% (avg: 12%), current ratio N/A (avg: 1.2).