This company recently went public with an IPO on Thursday, August 20th 2026. They issued 1,100,000 shares at $42.00 per share. We will continue to update data for QNBC as it becomes available.

QNB Corp. (Uplisting) (QNBC) Financials

$45.00 -0.10 (-0.22%)

As of 04:00 PM Eastern

Annual Income Statements for QNB Corp. (Uplisting)

This table shows QNB Corp. (Uplisting)'s income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	8.23	8.92	8.29	11	12	12	16	16	9.48	11	14
Consolidated Net Income / (Loss)	8.23	8.92	8.29	11	12	12	16	16	9.48	11	14
Net Income / (Loss) Continuing Operations	8.23	8.92	8.29	11	12	12	16	16	9.48	11	14
Total Pre-Tax Income	11	12	14	13	15	15	20	20	12	14	18
Total Revenue	33	34	39	40	45	45	52	50	45	50	58
Net Interest Income / (Expense)	27	29	32	35	36	37	42	44	40	43	51
Total Interest Income	32	33	38	43	46	44	47	52	69	84	93
Loans and Leases Interest Income	24	26	30	35	38	37	38	41	54	65	73
Investment Securities Interest Income	7.23	7.40	8.23	8.13	8.10	7.07	8.35	11	13	16	17
Deposits and Money Market Investments Interest Income	0.13	0.17	0.09	0.14	0.13	0.12	0.09	0.14	1.94	3.19	2.66
Total Interest Expense	4.51	4.73	5.68	8.19	10	6.45	4.64	7.92	29	41	41
Deposits Interest Expense	4.39	4.58	5.43	7.51	9.42	6.06	4.23	6.90	25	37	35
Short-Term Borrowings Interest Expense	0.12	0.15	0.25	0.67	0.70	0.25	0.26	0.86	3.27	1.15	2.10
Long-Term Debt Interest Expense	-	-	-	0.00	0.00	0.14	0.16	0.16	0.65	2.58	4.17
Total Non-Interest Income	6.09	5.86	6.89	4.89	8.32	7.60	9.78	5.73	4.84	6.91	6.96
Other Service Charges	3.57	3.69	3.86	4.21	4.40	4.02	4.72	4.94	5.07	5.02	5.59
Net Realized & Unrealized Capital Gains on Investments	1.23	0.92	1.90	-0.31	2.72	2.29	3.33	-0.75	-1.81	0.73	0.06
Investment Banking Income	0.69	0.60	0.44	0.37	0.56	0.58	0.79	0.79	0.86	0.48	0.65
Other Non-Interest Income	0.61	0.64	0.69	0.62	0.64	0.71	0.95	0.76	0.71	0.68	0.66
Provision for Credit Losses	0.20	0.03	1.40	1.13	1.30	1.25	0.46	-0.85	-0.84	-0.07	0.45
Total Non-Interest Expense	22	22	24	26	28	29	31	31	34	35	40
Salaries and Employee Benefits	12	12	13	14	16	17	17	17	19	20	21
Net Occupancy & Equipment Expense	3.49	3.50	3.65	4.04	4.54	4.91	5.02	5.11	5.83	6.18	6.75
Marketing Expense	0.81	0.81	0.91	0.93	1.04	0.88	0.92	0.87	0.96	1.04	1.04
Property & Liability Insurance Claims	0.63	0.57	0.58	0.62	0.27	0.57	0.79	0.77	1.06	1.16	1.03
Other Operating Expenses	5.45	5.47	5.46	5.89	6.17	6.06	6.81	7.44	7.24	7.36	8.58
Restructuring Charge	-	-	-	-	-	-	-	-	0.00	0.00	1.14
Income Tax Expense	2.57	3.05	5.90	1.56	2.85	2.56	3.96	3.67	2.24	2.91	3.84
Basic Earnings per Share	$2.47	$2.64	$2.42	$3.27	$3.53	$3.42	$4.64	$4.47	$2.63	$3.12	$3.79
Weighted Average Basic Shares Outstanding	3.34M	3.39M	3.43M	3.46M	3.52M	3.55M	3.55M	3.59M	3.65M	3.70M	3.76M
Diluted Earnings per Share	$2.46	$2.63	$2.41	$3.25	$3.53	$3.42	$4.64	$4.47	$2.63	$3.12	$3.78
Weighted Average Diluted Shares Outstanding	3.34M	3.39M	3.43M	3.46M	3.52M	3.55M	3.55M	3.59M	3.65M	3.70M	3.76M
Weighted Average Basic & Diluted Shares Outstanding	3.34M	3.39M	3.43M	3.46M	3.52M	3.55M	3.55M	3.59M	3.65M	3.70M	3.76M
Cash Dividends to Common per Share	$1.16	$1.20	$1.24	$1.28	$1.32	$1.36	$1.40	$1.44	$1.48	$1.48	$1.52

This table shows QNB Corp. (Uplisting)'s income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
Net Income / (Loss) Attributable to Common Shareholders	1.13	2.59	2.47	3.34	3.05	2.58	3.88	3.65	3.98	2.77	3.02
Consolidated Net Income / (Loss)	1.13	2.59	2.47	3.34	3.05	2.58	3.88	3.65	3.98	2.77	3.02
Net Income / (Loss) Continuing Operations	1.13	2.59	2.47	3.34	3.05	2.58	3.88	3.65	3.98	2.77	3.02
Total Pre-Tax Income	1.44	3.26	3.01	4.30	3.79	3.20	4.89	4.57	5.27	3.47	3.83
Total Revenue	10	12	12	13	13	13	14	15	16	15	20
Net Interest Income / (Expense)	10	10	11	11	11	12	13	13	14	13	18
Total Interest Income	19	20	20	22	22	22	23	24	24	22	31
Loans and Leases Interest Income	14	15	16	17	17	17	18	18	19	19	27
Investment Securities Interest Income	3.97	3.68	3.77	3.91	4.15	4.37	4.33	4.27	3.97	3.50	3.49
Deposits and Money Market Investments Interest Income	0.80	0.64	0.58	1.30	0.66	0.52	0.72	0.86	0.56	0.35	0.51
Total Interest Expense	9.07	9.40	9.75	11	11	11	10	11	9.77	9.37	12
Deposits Interest Expense	8.09	8.56	9.22	9.95	9.76	8.91	8.76	9.07	8.39	7.67	10
Short-Term Borrowings Interest Expense	0.76	0.63	0.20	0.19	0.14	0.46	0.69	0.51	0.44	0.76	0.60
Long-Term Debt Interest Expense	0.22	0.22	0.33	0.69	1.34	1.29	1.01	0.94	0.94	0.94	1.28
Total Non-Interest Income	0.28	1.84	1.47	1.97	1.65	1.58	1.65	1.85	1.87	1.80	2.14
Other Service Charges	1.25	1.19	1.26	1.28	1.30	1.26	1.35	1.45	1.53	1.42	1.68
Net Realized & Unrealized Capital Gains on Investments	-1.35	0.36	-0.08	0.39	0.07	0.02	0.00	0.04	-	0.01	0.10
Investment Banking Income	0.21	0.09	0.13	0.14	0.12	0.14	0.14	0.20	0.17	0.20	0.15
Other Non-Interest Income	0.17	0.19	0.16	0.16	0.16	0.16	0.16	0.17	0.17	0.17	0.21
Provision for Credit Losses	0.29	-0.09	0.11	0.16	-0.26	0.55	-0.15	0.09	-0.05	0.30	0.22
Total Non-Interest Expense	8.75	8.83	8.93	8.64	9.08	9.37	9.56	10	11	11	16
Salaries and Employee Benefits	4.72	4.97	5.04	4.65	5.08	5.03	5.25	5.25	5.73	5.62	7.20
Net Occupancy & Equipment Expense	1.48	1.52	1.48	1.53	1.65	1.74	1.68	1.69	1.65	1.89	2.19
Marketing Expense	0.29	0.27	0.23	0.20	0.35	0.19	0.25	0.21	0.39	0.36	0.24
Property & Liability Insurance Claims	0.31	0.35	0.34	0.34	0.13	0.27	0.27	0.24	0.25	0.19	0.30
Other Operating Expenses	1.95	1.73	1.85	1.92	1.87	2.14	2.11	2.27	2.06	2.19	3.42
Restructuring Charge	-	-	-	0.00	-	0.00	0.00	0.52	-	0.89	3.08
Income Tax Expense	0.30	0.66	0.54	0.96	0.74	0.62	1.01	0.92	1.29	0.71	0.82
Basic Earnings per Share	$0.31	$0.71	$0.67	$0.91	$0.83	$0.70	$1.05	$0.98	$1.06	$0.74	$0.61
Weighted Average Basic Shares Outstanding	3.65M	3.66M	3.68M	3.69M	3.70M	3.71M	3.72M	3.73M	3.76M	4.97M	4.98M
Diluted Earnings per Share	$0.31	$0.71	$0.67	$0.91	$0.83	$0.69	$1.04	$0.98	$1.07	$0.73	$0.60
Weighted Average Diluted Shares Outstanding	3.65M	3.66M	3.68M	3.69M	3.70M	3.71M	3.72M	3.73M	3.76M	4.97M	4.98M
Weighted Average Basic & Diluted Shares Outstanding	3.65M	3.66M	3.68M	3.69M	3.70M	3.71M	3.72M	3.73M	3.76M	4.97M	4.98M
Cash Dividends to Common per Share	$0.37	$0.37	$0.37	$0.37	$0.37	$0.38	$0.38	$0.38	$0.38	$0.39	$0.39

This table details how cash moves in and out of QNB Corp. (Uplisting)'s business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	-1.25	-6.27	5.61	-2.87	4.15	22	-26	2.51	47	-12	-0.42
Net Cash From Operating Activities	9.12	11	16	17	14	7.60	30	17	14	16	17
Net Cash From Continuing Operating Activities	9.12	11	16	17	14	7.60	30	17	14	16	17
Net Income / (Loss) Continuing Operations	8.23	8.92	8.29	11	12	12	16	16	9.48	11	14
Consolidated Net Income / (Loss)	8.23	8.92	8.29	11	12	12	16	16	9.48	11	14
Provision For Loan Losses	0.20	0.03	1.40	1.13	1.30	1.25	0.46	-0.85	-0.84	-0.07	0.45
Depreciation Expense	1.02	0.89	0.82	0.99	1.83	2.04	1.83	1.72	1.71	1.73	1.60
Amortization Expense	2.17	1.92	1.78	1.50	1.57	2.63	3.27	2.29	1.73	1.42	1.37
Non-Cash Adjustments to Reconcile Net Income	-1.60	-0.70	-1.05	0.24	-4.31	-6.99	7.53	-0.14	0.46	-1.63	-2.00
Changes in Operating Assets and Liabilities, net	-0.92	0.26	4.93	1.46	1.15	-3.41	0.81	-2.12	1.92	3.32	1.11
Net Cash From Investing Activities	-48	-54	-91	-33	-34	-185	-282	-72	23	-173	-23
Net Cash From Continuing Investing Activities	-48	-54	-91	-33	-34	-185	-282	-72	23	-173	-23
Purchase of Investment Securities	-195	-204	-93	-101	-136	-306	-395	-46	-22	-138	-88
Sale and/or Maturity of Investments	147	150	103	67	138	220	123	88	99	87	109
Other Investing Activities, net	-	-	-101	-	-35	-100	-11	-113	-54	-123	-44
Net Cash From Financing Activities	37	36	81	14	24	199	226	57	9.26	145	6.34
Net Cash From Continuing Financing Activities	37	36	81	14	24	199	226	57	9.26	145	6.34
Net Change in Deposits	38	24	81	22	22	190	222	-31	70	140	14
Issuance of Debt	1.97	15	3.10	0.00	5.06	13	0.00	0.00	20	50	0.00
Issuance of Common Equity	0.65	0.86	0.67	0.68	0.59	0.50	0.58	0.42	0.82	0.39	0.61
Repayment of Debt	-	-	-	-4.88	-	-	9.64	93	-77	-40	-3.24
Repurchase of Common Equity	-	-	-	0.00	0.00	-0.13	-1.36	-0.08	0.00	0.00	0.00
Payment of Dividends	-3.45	-3.56	-3.73	-3.86	-4.09	-4.23	-4.38	-4.50	-4.67	-4.80	-5.00
Cash Interest Paid	4.52	4.73	5.63	8.12	9.66	7.00	4.78	7.67	24	39	44
Cash Income Taxes Paid	2.48	3.13	3.73	1.53	2.56	2.41	3.93	4.26	4.29	2.28	2.01

This table details how cash moves in and out of QNB Corp. (Uplisting)'s business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
Net Change in Cash & Equivalents	7.52	-12	26	27	-54	31	-15	-0.14	-16	6.31	23
Net Cash From Operating Activities	6.03	1.61	4.05	4.05	6.52	-0.99	5.73	3.59	8.29	-1.93	6.88
Net Cash From Continuing Operating Activities	6.03	1.61	4.05	4.05	6.52	-0.99	5.73	3.59	8.29	-1.93	6.88
Net Income / (Loss) Continuing Operations	1.13	2.59	2.47	3.34	3.05	2.58	3.88	3.65	3.98	2.77	3.02
Consolidated Net Income / (Loss)	1.13	2.59	2.47	3.34	3.05	2.58	3.88	3.65	3.98	2.77	3.02
Provision For Loan Losses	0.29	-0.09	0.11	0.16	-0.26	0.55	-0.15	0.09	-0.05	0.30	0.22
Depreciation Expense	0.47	0.40	0.40	0.42	0.51	0.44	0.45	0.39	0.32	0.40	0.53
Amortization Expense	0.39	0.38	0.37	0.34	0.33	0.32	0.32	0.37	0.36	0.37	0.34
Non-Cash Adjustments to Reconcile Net Income	0.95	0.06	-0.94	-0.22	-0.53	-0.19	-1.57	0.18	-0.43	-1.05	0.28
Changes in Operating Assets and Liabilities, net	2.79	-1.75	1.64	0.02	3.41	-4.69	2.79	-1.09	4.10	-4.71	2.50
Net Cash From Investing Activities	-0.24	-21	-18	-43	-92	7.38	-0.97	-14	-16	-8.39	24
Net Cash From Continuing Investing Activities	-0.24	-21	-18	-43	-92	7.38	-0.97	-14	-16	-8.39	24
Purchase of Investment Securities	-3.69	-4.42	-5.43	-52	-77	-22	-23	-20	-24	-16	-25
Sale and/or Maturity of Investments	37	13	27	18	29	25	28	33	23	28	53
Other Investing Activities, net	-33	-29	-40	-9.08	-45	4.31	-5.92	-27	-16	-21	-25
Net Cash From Financing Activities	1.72	7.33	40	66	32	24	-20	9.93	-8.19	17	-8.25
Net Cash From Continuing Financing Activities	1.72	7.33	40	66	32	24	-20	9.93	-8.19	17	-8.25
Net Change in Deposits	5.38	47	37	53	2.26	36	-13	30	-39	11	4.55
Issuance of Common Equity	0.14	0.06	0.15	0.05	0.13	0.22	0.13	0.07	0.20	0.81	0.36
Repayment of Debt	-67	-39	-6.02	-26	31	0.00	-16	-19	32	6.21	-11
Payment of Dividends	-1.19	-1.20	-1.20	-1.20	-1.20	-1.24	-1.25	-1.25	-1.26	-1.31	-1.77
Cash Interest Paid	7.05	11	9.07	11	8.39	14	8.67	2.42	19	11	12
Cash Income Taxes Paid	1.05	0.57	0.57	0.57	0.57	0.70	0.70	0.57	0.04	1.04	1.04

This table presents QNB Corp. (Uplisting)'s assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	1,021	1,063	1,152	1,175	1,225	1,440	1,673	1,668	1,706	1,871	1,906
Cash and Due from Banks	9.16	8.90	11	13	12	13	23	15	11	11	13
Interest Bearing Deposits at Other Banks	7.83	1.82	5.54	0.57	5.21	26	4.20	1.24	51	39	37
Trading Account Securities	366	394	380	354	359	448	705	559	496	547	543
Loans and Leases, Net of Allowance	608	626	725	777	811	909	915	1,029	1,085	1,207	1,253
Loans and Leases	615	633	733	785	821	920	926	1,039	1,094	1,216	1,262
Allowance for Loan and Lease Losses	7.55	7.39	7.84	8.83	9.89	11	11	11	8.85	8.74	9.22
Loans Held for Sale	0.99	0.79	-	-	0.98	6.57	-	0.00	0.55	0.66	0.25
Premises and Equipment, Net	9.26	8.68	8.50	9.92	16	15	17	15	15	17	17
Goodwill	-	-	-	-	-	-	-	-	-	-	0.00
Intangible Assets	-	-	-	-	-	-	-	-	-	-	0.35
Other Assets	20	23	23	22	21	21	23	50	47	48	43
Total Liabilities & Shareholders' Equity	1,021	1,063	1,152	1,175	1,225	1,440	1,673	1,668	1,706	1,871	1,906
Total Liabilities	930	970	1,054	1,071	1,104	1,306	1,537	1,598	1,615	1,768	1,776
Non-Interest Bearing Deposits	99	119	129	129	146	205	243	232	185	183	190
Interest Bearing Deposits	791	794	865	887	892	1,023	1,207	1,187	1,304	1,445	1,453
Short-Term Debt	37	53	56	51	56	59	68	161	94	54	81
Accrued Interest Payable	0.33	0.34	0.38	0.45	0.91	0.35	0.21	0.47	5.29	7.58	5.05
Long-Term Debt	-	-	-	-	0.00	10	10	10	20	69	39
Other Long-Term Liabilities	3.21	3.22	3.68	4.19	9.61	8.53	8.41	7.38	7.39	8.51	9.01
Total Equity & Noncontrolling Interests	90	94	99	104	121	134	136	71	91	103	130
Total Preferred & Common Equity	90	94	99	104	121	134	136	71	91	103	130
Total Common Equity	90	94	99	104	121	134	136	71	91	103	130
Common Stock	18	20	21	22	24	25	26	27	29	30	32
Retained Earnings	75	80	84	92	99	107	118	129	134	140	148
Treasury Stock	-2.48	-2.48	-2.48	-2.48	-2.48	-2.61	-3.96	-4.04	-4.04	-4.04	-4.04
Accumulated Other Comprehensive Income / (Loss)	-0.55	-3.76	-4.09	-7.13	0.26	5.65	-3.74	-81	-68	-63	-46

This table presents QNB Corp. (Uplisting)'s assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026
Period end date	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026	6/30/2026
Total Assets	1,684	1,716	1,761	1,842	1,896	1,885	1,903	1,923	2,399
Cash and Due from Banks	12	12	16	17	18	18	13	18	27
Interest Bearing Deposits at Other Banks	43	38	61	87	64	48	54	39	53
Trading Account Securities	510	488	468	513	547	544	538	528	517
Loans and Leases, Net of Allowance	1,052	1,114	1,153	1,162	1,203	1,209	1,237	1,273	1,704
Loans and Leases	1,060	1,123	1,162	1,171	1,212	1,219	1,247	1,283	1,717
Allowance for Loan and Lease Losses	8.54	8.74	8.86	8.99	9.30	9.17	9.26	9.53	13
Loans Held for Sale	0.45	0.00	0.79	0.29	0.25	1.17	0.00	1.20	0.40
Premises and Equipment, Net	15	15	15	17	17	17	17	18	25
Goodwill	-	-	-	-	-	-	-	-	11
Intangible Assets	-	-	-	-	-	-	-	-	7.36
Other Assets	51	49	47	45	47	47	45	46	54
Total Liabilities & Shareholders' Equity	1,684	1,716	1,761	1,842	1,896	1,885	1,903	1,923	2,399
Total Liabilities	1,610	1,622	1,665	1,736	1,788	1,772	1,782	1,792	2,215
Non-Interest Bearing Deposits	192	188	190	190	204	201	189	188	266
Interest Bearing Deposits	1,291	1,348	1,383	1,436	1,461	1,450	1,492	1,466	1,801
Short-Term Debt	97	55	49	23	43	67	49	87	75
Accrued Interest Payable	3.28	3.81	4.49	4.74	4.47	6.25	3.83	3.59	4.34
Long-Term Debt	20	20	30	69	69	39	39	39	54
Other Long-Term Liabilities	7.00	7.31	8.21	13	6.53	7.01	8.46	8.59	15
Total Equity & Noncontrolling Interests	74	94	97	105	108	113	121	131	184
Total Preferred & Common Equity	74	94	97	105	108	113	121	131	184
Total Common Equity	74	94	97	105	108	113	121	131	184
Common Stock	29	29	29	30	31	31	31	33	81
Retained Earnings	134	135	136	138	141	144	146	150	151
Treasury Stock	-4.04	-4.04	-4.04	-4.04	-4.04	-4.04	-4.04	-4.04	-4.04
Accumulated Other Comprehensive Income / (Loss)	-85	-67	-65	-59	-59	-57	-52	-47	-44

This table displays calculated financial ratios and metrics derived from QNB Corp. (Uplisting)'s official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
DEI Shares Outstanding	0.00	3,401,488.00	3,440,356.00	3,471,997.00	3,507,556.00	3,550,602.00	3,550,309.00	3,576,411.00	3,640,598.00	3,686,442.00	3,727,825.00
DEI Adjusted Shares Outstanding	0.00	3,401,488.00	3,440,356.00	3,471,997.00	3,507,556.00	3,550,602.00	3,550,309.00	3,576,411.00	3,640,598.00	3,686,442.00	3,727,825.00
DEI Earnings Per Adjusted Shares Outstanding	0.00	2.62	2.41	3.26	3.52	3.40	4.65	4.45	2.60	3.11	3.78
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-0.63%	2.71%	14.39%	1.52%	11.79%	0.54%	15.74%	0.00%	-10.42%	10.63%	16.90%
EBITDA Growth	-6.78%	5.64%	13.50%	-8.37%	20.96%	3.79%	32.32%	-7.62%	-35.74%	15.43%	19.41%
EBIT Growth	-7.21%	10.88%	18.46%	-9.14%	17.96%	-3.70%	39.66%	-4.24%	-40.13%	22.44%	24.87%
NOPAT Growth	-8.50%	8.39%	-7.12%	36.75%	9.02%	-2.22%	36.49%	-3.46%	-40.44%	20.72%	23.08%
Net Income Growth	-8.50%	8.39%	-7.12%	36.75%	9.02%	-2.22%	36.49%	0.00%	-40.44%	20.72%	23.08%
EPS Growth	-9.56%	6.91%	-8.37%	34.85%	8.62%	-3.12%	35.67%	0.00%	-41.16%	18.63%	21.15%
Operating Cash Flow Growth	52.52%	24.31%	42.62%	3.03%	-16.53%	-45.31%	299.80%	0.00%	-14.13%	12.17%	2.50%
Free Cash Flow Firm Growth	-1,110.06%	70.63%	101.96%	5,395.26%	-186.88%	-60.42%	133.02%	4,705.22%	-184.64%	94.94%	8.23%
Invested Capital Growth	47.77%	14.59%	5.54%	0.58%	13.80%	15.08%	5.75%	-100.00%	0.00%	10.42%	10.24%
Revenue Q/Q Growth	-2.61%	0.59%	4.35%	-2.96%	5.71%	3.92%	0.52%	1.91%	0.00%	4.50%	6.00%
EBITDA Q/Q Growth	-8.38%	0.88%	-0.98%	-8.82%	9.89%	13.29%	-0.35%	6.66%	0.00%	15.38%	6.73%
EBIT Q/Q Growth	-9.72%	1.98%	-0.94%	-10.39%	9.98%	14.36%	-0.03%	10.16%	0.00%	19.65%	8.97%
NOPAT Q/Q Growth	-6.19%	3.79%	-17.68%	19.35%	3.50%	13.17%	-0.01%	8.88%	0.00%	20.11%	7.07%
Net Income Q/Q Growth	-6.19%	3.79%	-17.68%	19.35%	3.50%	13.17%	-0.01%	8.88%	0.00%	20.11%	7.07%
EPS Q/Q Growth	-6.11%	3.54%	-17.75%	18.61%	3.52%	13.25%	-0.22%	8.76%	0.00%	20.00%	6.78%
Operating Cash Flow Q/Q Growth	-13.51%	14.52%	2.71%	14.49%	-10.44%	52.51%	17.88%	-30.69%	0.00%	3.08%	11.92%
Free Cash Flow Firm Q/Q Growth	-3,080.05%	75.50%	-97.78%	328.37%	59.20%	-334.48%	164.08%	225.21%	-556.62%	-426.89%	-973.17%
Invested Capital Q/Q Growth	40.23%	5.07%	9.69%	0.30%	-6.50%	5.11%	-1.12%	-100.00%	7.41%	14.69%	19.11%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	41.85%	43.04%	42.70%	38.54%	41.71%	43.05%	49.22%	46.99%	33.71%	35.17%	35.93%
EBIT Margin	32.29%	34.86%	36.10%	32.31%	34.09%	32.65%	39.40%	38.99%	26.06%	28.85%	30.82%
Profit (Net Income) Margin	24.61%	25.97%	21.09%	28.40%	27.70%	26.94%	31.77%	31.70%	21.08%	23.00%	24.22%
Tax Burden Percent	76.21%	74.50%	58.42%	87.92%	81.26%	82.51%	80.63%	81.29%	80.86%	79.73%	78.58%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	23.79%	25.50%	41.58%	12.08%	18.74%	17.49%	19.37%	18.71%	19.14%	20.27%	21.42%
Return on Invested Capital (ROIC)	7.70%	6.52%	5.52%	7.32%	7.45%	6.36%	7.89%	14.81%	9.26%	5.31%	5.92%
ROIC Less NNEP Spread (ROIC-NNEP)	7.70%	6.52%	5.52%	7.32%	7.45%	6.36%	7.89%	14.81%	9.26%	5.31%	5.92%
Return on Net Nonoperating Assets (RNNOA)	1.62%	3.18%	3.11%	3.85%	3.53%	3.11%	4.29%	8.52%	6.53%	6.48%	6.18%
Return on Equity (ROE)	9.31%	9.70%	8.63%	11.17%	10.98%	9.47%	12.17%	23.33%	15.78%	11.79%	12.10%
Cash Return on Invested Capital (CROIC)	-30.86%	-7.08%	0.13%	6.75%	-5.47%	-7.66%	2.30%	214.81%	-190.74%	-4.59%	-3.82%
Operating Return on Assets (OROA)	1.08%	1.15%	1.28%	1.11%	1.27%	1.10%	1.31%	2.34%	0.70%	0.80%	0.95%
Return on Assets (ROA)	0.82%	0.86%	0.75%	0.97%	1.03%	0.91%	1.06%	1.90%	0.56%	0.64%	0.75%
Return on Common Equity (ROCE)	9.31%	9.70%	8.63%	11.17%	10.98%	9.47%	12.17%	23.33%	15.78%	11.79%	12.10%
Return on Equity Simple (ROE_SIMPLE)	9.10%	9.54%	8.41%	10.86%	10.24%	8.99%	12.08%	0.00%	10.44%	11.08%	10.88%
Net Operating Profit after Tax (NOPAT)	8.23	8.92	8.29	11	12	12	16	16	9.48	11	14
NOPAT Margin	24.61%	25.97%	21.09%	28.40%	27.70%	26.94%	31.77%	31.70%	21.08%	23.00%	24.22%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	48.93%	47.49%	44.98%	48.55%	48.56%	49.79%	45.06%	46.36%	57.38%	54.17%	49.93%
Operating Expenses to Revenue	67.11%	65.06%	60.34%	64.86%	63.00%	64.56%	59.72%	62.70%	75.81%	71.29%	68.41%
Earnings before Interest and Taxes (EBIT)	11	12	14	13	15	15	20	20	12	14	18
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	14	15	17	15	19	19	26	24	15	18	21
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.84	0.98	1.20	1.02	0.93	0.73	0.75	0.00	0.93	1.14	1.00
Price to Tangible Book Value (P/TBV)	0.84	0.98	1.20	1.02	0.93	0.73	0.75	0.00	0.93	1.14	1.00
Price to Revenue (P/Rev)	2.28	2.66	3.01	2.67	2.53	2.20	1.97	1.66	1.88	2.37	2.22
Price to Earnings (P/E)	9.27	10.24	14.26	9.40	9.12	8.16	6.20	5.24	8.90	10.30	9.16
Dividend Yield	2.54%	2.22%	1.80%	2.08%	3.09%	3.68%	0.00%	6.20%	0.00%	0.00%	0.00%
Earnings Yield	10.78%	9.77%	7.01%	10.64%	10.96%	12.25%	16.14%	19.09%	11.24%	9.71%	10.92%
Enterprise Value to Invested Capital (EV/IC)	0.76	0.91	1.02	0.93	0.86	0.63	0.72	0.00	0.66	0.84	0.80
Enterprise Value to Revenue (EV/Rev)	2.89	3.88	4.01	3.61	3.39	2.86	2.96	1.66	3.02	3.82	3.41
Enterprise Value to EBITDA (EV/EBITDA)	6.89	9.01	9.39	9.36	8.12	6.64	6.02	3.53	8.96	10.86	9.50
Enterprise Value to EBIT (EV/EBIT)	8.94	11.13	11.11	11.17	9.93	8.75	7.52	4.26	11.58	13.24	11.08
Enterprise Value to NOPAT (EV/NOPAT)	11.72	14.93	19.02	12.70	12.22	10.60	9.33	5.24	14.32	16.60	14.09
Enterprise Value to Operating Cash Flow (EV/OCF)	10.59	11.76	9.76	8.65	10.87	16.86	5.06	4.95	9.40	11.72	11.95
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	829.79	13.79	0.00	0.00	32.03	0.36	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.41	0.56	0.57	0.49	0.46	0.51	0.57	0.00	1.26	1.19	0.93
Long-Term Debt to Equity	0.00	0.00	0.00	0.00	0.00	0.07	0.07	0.00	0.22	0.67	0.30
Financial Leverage	0.21	0.49	0.56	0.53	0.47	0.49	0.54	0.57	0.71	1.22	1.04
Leverage Ratio	11.30	11.33	11.53	11.47	10.67	10.45	11.49	12.26	20.86	18.42	16.22
Compound Leverage Factor	11.30	11.33	11.53	11.47	10.67	10.45	11.49	12.26	20.86	18.42	16.22
Debt to Total Capital	29.12%	36.01%	36.13%	32.77%	31.66%	33.86%	36.51%	0.00%	55.68%	54.32%	48.06%
Short-Term Debt to Total Capital	29.12%	36.01%	36.13%	32.77%	31.66%	28.94%	31.85%	0.00%	45.92%	23.80%	32.31%
Long-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	4.92%	4.65%	0.00%	9.76%	30.53%	15.74%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	70.88%	63.99%	63.87%	67.23%	68.34%	66.14%	63.49%	0.00%	44.32%	45.68%	51.94%
Debt to EBITDA	2.65	3.56	3.32	3.31	3.01	3.56	3.07	0.00	7.52	7.02	5.73
Net Debt to EBITDA	1.44	2.84	2.35	2.43	2.06	1.53	2.02	0.00	3.39	4.12	3.33
Long-Term Debt to EBITDA	0.00	0.00	0.00	0.00	0.00	0.52	0.39	0.00	1.32	3.95	1.88
Debt to NOPAT	4.51	5.90	6.73	4.49	4.53	5.70	4.76	0.00	12.03	10.74	8.51
Net Debt to NOPAT	2.45	4.70	4.76	3.30	3.10	2.44	3.13	0.00	5.42	6.31	4.94
Long-Term Debt to NOPAT	0.00	0.00	0.00	0.00	0.00	0.83	0.61	0.00	2.11	6.03	2.79
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-33	-9.70	0.19	10	-9.07	-15	4.81	231	-195	-9.90	-9.08
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-7.33	-2.05	0.03	1.28	-0.90	-2.26	1.03	29.14	-6.76	-0.24	-0.22
Operating Cash Flow to Interest Expense	2.02	2.39	2.85	2.03	1.37	1.18	6.55	2.12	0.50	0.39	0.40
Operating Cash Flow Less CapEx to Interest Expense	2.02	2.39	2.85	2.03	1.37	1.18	6.55	2.12	0.50	0.39	0.40
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.04	0.03	0.04	0.03	0.03	0.06	0.03	0.03	0.03
Fixed Asset Turnover	3.53	3.83	4.58	4.33	3.50	2.89	3.25	0.00	2.96	3.09	3.41
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	128	146	154	155	177	203	215	0.00	205	226	249
Invested Capital Turnover	0.31	0.25	0.26	0.26	0.27	0.24	0.25	0.47	0.44	0.23	0.24
Increase / (Decrease) in Invested Capital	41	19	8.10	0.89	21	27	12	-215	205	21	23
Enterprise Value (EV)	97	133	158	144	151	128	154	83	136	190	199
Market Capitalization	76	91	118	107	113	99	102	83	84	118	129
Book Value per Share	$27.10	$27.51	$28.65	$30.05	$34.42	$37.87	$38.45	$0.00	$24.95	$28.03	$34.76
Tangible Book Value per Share	$27.10	$27.51	$28.65	$30.05	$34.42	$37.87	$38.45	$0.00	$24.95	$28.03	$34.66
Total Capital	128	146	154	155	177	203	215	0.00	205	226	249
Total Debt	37	53	56	51	56	69	78	0.00	114	123	120
Total Long-Term Debt	0.00	0.00	0.00	0.00	0.00	10	10	0.00	20	69	39
Net Debt	20	42	39	37	38	30	52	0.00	51	72	70
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	37	53	56	51	56	69	78	0.00	114	123	120
Total Depreciation and Amortization (D&A)	3.20	2.81	2.60	2.49	3.40	4.67	5.10	4.02	3.44	3.15	2.98
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$2.47	$2.64	$2.42	$3.27	$3.53	$3.42	$4.64	$4.47	$2.63	$3.12	$3.79
Adjusted Weighted Average Basic Shares Outstanding	3.37M	3.42M	3.45M	3.49M	3.52M	3.55M	3.55M	3.59M	3.65M	3.70M	3.76M
Adjusted Diluted Earnings per Share	$2.46	$2.63	$2.41	$3.25	$3.53	$3.42	$4.64	$4.47	$2.63	$3.12	$3.78
Adjusted Weighted Average Diluted Shares Outstanding	3.37M	3.42M	3.45M	3.49M	3.52M	3.55M	3.55M	3.59M	3.65M	3.70M	3.76M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$3.53	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	3.37M	3.42M	3.45M	3.49M	3.52M	3.55M	3.55M	3.59M	3.65M	3.70M	3.76M
Normalized Net Operating Profit after Tax (NOPAT)	8.23	8.92	8.29	11	12	12	16	16	9.48	11	15
Normalized NOPAT Margin	24.61%	25.97%	21.09%	28.40%	27.70%	26.94%	31.77%	31.70%	21.08%	23.00%	25.75%
Pre Tax Income Margin	32.29%	34.86%	36.10%	32.31%	34.09%	32.65%	39.40%	38.99%	26.06%	28.85%	30.82%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	2.40	2.53	2.50	1.58	1.50	2.27	4.41	2.47	0.41	0.35	0.43
NOPAT to Interest Expense	1.83	1.89	1.46	1.38	1.22	1.87	3.55	2.01	0.33	0.28	0.34
EBIT Less CapEx to Interest Expense	2.40	2.53	2.50	1.58	1.50	2.27	4.41	2.47	0.41	0.35	0.43
NOPAT Less CapEx to Interest Expense	1.83	1.89	1.46	1.38	1.22	1.87	3.55	2.01	0.33	0.28	0.34
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	41.84%	39.85%	45.01%	34.08%	33.07%	34.97%	26.53%	28.25%	49.26%	41.91%	35.49%
Augmented Payout Ratio	41.84%	39.85%	45.01%	34.08%	33.07%	36.05%	34.75%	28.72%	49.26%	41.91%	35.49%

This table displays calculated financial ratios and metrics derived from QNB Corp. (Uplisting)'s official financial filings.

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
DEI Shares Outstanding	3,640,598.00	3,640,598.00	3,664,074.00	3,679,497.00	3,686,442.00	3,701,099.00	3,709,597.00	3,721,138.00	3,727,825.00	3,761,481.00	4,965,957.00
DEI Adjusted Shares Outstanding	3,640,598.00	3,640,598.00	3,664,074.00	3,679,497.00	3,686,442.00	3,701,099.00	3,709,597.00	3,721,138.00	3,727,825.00	3,761,481.00	4,965,957.00
DEI Earnings Per Adjusted Shares Outstanding	0.31	0.71	0.67	0.91	0.83	0.70	1.05	0.98	1.07	0.74	0.61
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-26.63%	3.16%	10.48%	9.41%	20.48%	9.31%	18.64%	13.37%	26.12%	13.63%	43.25%
EBITDA Growth	-71.20%	-34.27%	22.73%	38.74%	101.61%	-1.88%	49.70%	5.50%	28.46%	6.89%	-16.93%
EBIT Growth	-79.51%	-37.86%	36.03%	51.48%	164.21%	-1.69%	62.45%	6.30%	38.90%	8.43%	-21.60%
NOPAT Growth	-79.18%	-37.01%	30.63%	42.41%	169.05%	-0.62%	57.53%	9.29%	30.48%	7.25%	-22.35%
Net Income Growth	-79.18%	-37.01%	30.63%	42.41%	169.05%	-0.62%	57.53%	9.29%	30.48%	7.25%	-22.35%
EPS Growth	-79.74%	-38.26%	28.85%	40.00%	167.74%	-2.82%	55.22%	7.69%	28.92%	5.80%	-42.31%
Operating Cash Flow Growth	51.86%	-60.65%	21.64%	297.25%	8.04%	-161.50%	41.61%	-11.29%	27.16%	-95.95%	20.12%
Free Cash Flow Firm Growth	-192.45%	4,016.57%	199.86%	88.45%	91.02%	-276.75%	-318.90%	-167.59%	-4.91%	30.81%	-124.73%
Invested Capital Growth	0.00%	-13.03%	-8.26%	3.41%	10.42%	30.73%	24.98%	6.14%	10.24%	16.71%	42.32%
Revenue Q/Q Growth	-12.47%	14.60%	0.44%	8.60%	-3.62%	3.97%	9.02%	3.78%	7.21%	-6.32%	37.42%
EBITDA Q/Q Growth	-36.98%	75.88%	-6.46%	33.82%	-8.42%	-14.40%	42.71%	-5.69%	11.51%	-28.78%	10.90%
EBIT Q/Q Growth	-49.40%	126.81%	-7.61%	42.87%	-11.75%	-15.60%	52.65%	-6.51%	15.32%	-34.12%	10.37%
NOPAT Q/Q Growth	-51.62%	128.75%	-4.97%	35.42%	-8.60%	-15.50%	50.62%	-6.05%	9.13%	-30.55%	9.04%
Net Income Q/Q Growth	-51.62%	128.75%	-4.97%	35.42%	-8.60%	-15.50%	50.62%	-6.05%	9.13%	-30.55%	9.04%
EPS Q/Q Growth	-52.31%	129.03%	-5.63%	35.82%	-8.79%	-16.87%	50.72%	-5.77%	9.18%	-31.78%	-17.81%
Operating Cash Flow Q/Q Growth	491.95%	-73.39%	152.15%	0.02%	60.99%	-115.15%	680.65%	-37.34%	130.77%	-123.34%	455.95%
Free Cash Flow Firm Q/Q Growth	-643.19%	113.68%	-34.36%	-117.30%	-477.76%	-169.45%	18.71%	78.86%	-126.51%	-77.71%	-164.04%
Invested Capital Q/Q Growth	7.41%	-17.64%	4.25%	12.13%	14.69%	-2.48%	-0.33%	-4.77%	19.11%	3.24%	21.53%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	21.93%	33.66%	31.34%	38.62%	36.70%	30.21%	39.55%	35.94%	37.38%	28.42%	22.93%
EBIT Margin	13.71%	27.13%	24.96%	32.83%	30.06%	24.40%	34.17%	30.78%	33.11%	23.29%	18.70%
Profit (Net Income) Margin	10.83%	21.61%	20.44%	25.49%	24.18%	19.65%	27.15%	24.57%	25.01%	18.54%	14.71%
Tax Burden Percent	78.97%	79.64%	81.92%	77.65%	80.42%	80.51%	79.44%	79.82%	75.54%	79.64%	78.68%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	21.03%	20.36%	18.08%	22.35%	19.58%	19.49%	20.56%	20.18%	24.46%	20.36%	21.32%
Return on Invested Capital (ROIC)	4.75%	5.40%	5.17%	6.26%	5.58%	5.14%	7.29%	6.63%	6.12%	4.65%	3.65%
ROIC Less NNEP Spread (ROIC-NNEP)	4.75%	5.40%	5.17%	6.26%	5.58%	5.14%	7.29%	6.63%	6.12%	4.65%	3.65%
Return on Net Nonoperating Assets (RNNOA)	3.35%	5.64%	5.52%	7.28%	6.81%	4.77%	6.44%	5.26%	6.38%	4.63%	2.91%
Return on Equity (ROE)	8.11%	11.04%	10.69%	13.53%	12.39%	9.90%	13.73%	11.89%	12.50%	9.28%	6.56%
Cash Return on Invested Capital (CROIC)	-190.74%	18.33%	13.26%	1.56%	-4.59%	-20.77%	-15.71%	0.51%	-3.82%	-9.45%	-29.90%
Operating Return on Assets (OROA)	0.37%	0.74%	0.68%	0.89%	0.84%	0.69%	1.00%	0.90%	1.02%	0.73%	0.58%
Return on Assets (ROA)	0.29%	0.59%	0.56%	0.69%	0.67%	0.55%	0.79%	0.72%	0.77%	0.58%	0.45%
Return on Common Equity (ROCE)	8.11%	11.04%	10.69%	13.53%	12.39%	9.90%	13.73%	11.89%	12.50%	9.28%	6.56%
Return on Equity Simple (ROE_SIMPLE)	0.00%	8.50%	8.81%	9.05%	0.00%	10.56%	11.34%	10.83%	0.00%	10.87%	7.31%
Net Operating Profit after Tax (NOPAT)	1.13	2.59	2.47	3.34	3.05	2.58	3.88	3.65	3.98	2.77	3.02
NOPAT Margin	10.83%	21.61%	20.44%	25.49%	24.18%	19.65%	27.15%	24.57%	25.01%	18.54%	14.71%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	61.86%	56.27%	55.96%	48.71%	56.14%	53.02%	50.21%	48.16%	48.78%	52.76%	47.00%
Operating Expenses to Revenue	83.49%	73.58%	74.10%	65.95%	71.96%	71.40%	66.85%	68.59%	67.19%	74.70%	80.21%
Earnings before Interest and Taxes (EBIT)	1.44	3.26	3.01	4.30	3.79	3.20	4.89	4.57	5.27	3.47	3.83
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	2.30	4.04	3.78	5.06	4.63	3.96	5.66	5.34	5.95	4.24	4.70
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.93	0.90	0.85	0.99	1.14	1.15	1.06	1.08	1.00	1.50	1.19
Price to Tangible Book Value (P/TBV)	0.93	0.90	0.85	0.99	1.14	1.15	1.06	1.08	1.00	1.50	1.32
Price to Revenue (P/Rev)	1.88	1.86	1.78	2.18	2.37	2.44	2.26	2.39	2.22	3.28	3.30
Price to Earnings (P/E)	8.90	10.59	9.67	10.92	10.30	10.86	9.36	9.99	9.16	13.78	16.28
Dividend Yield	0.00%	6.44%	0.00%	5.24%	0.00%	0.00%	0.00%	4.28%	0.00%	0.00%	0.89%
Earnings Yield	11.24%	9.45%	10.34%	9.16%	9.71%	9.21%	10.68%	10.01%	10.92%	7.26%	6.14%
Enterprise Value to Invested Capital (EV/IC)	0.66	0.64	0.48	0.47	0.84	0.70	0.73	0.73	0.80	1.03	0.86
Enterprise Value to Revenue (EV/Rev)	3.02	2.39	1.82	1.93	3.82	3.05	3.02	2.79	3.41	4.44	4.06
Enterprise Value to EBITDA (EV/EBITDA)	8.96	8.30	6.16	6.05	10.86	8.89	8.31	7.81	9.50	12.57	13.28
Enterprise Value to EBIT (EV/EBIT)	11.58	11.12	8.04	7.65	13.24	10.83	9.92	9.30	11.08	14.63	15.66
Enterprise Value to NOPAT (EV/NOPAT)	14.32	13.62	9.92	9.63	16.60	13.56	12.49	11.63	14.09	18.65	20.02
Enterprise Value to Operating Cash Flow (EV/OCF)	9.40	9.05	6.67	5.83	11.72	11.37	10.48	10.30	11.95	16.99	15.95
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	3.26	3.48	30.31	0.00	0.00	0.00	147.11	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.26	0.80	0.82	0.87	1.19	1.04	0.94	0.72	0.93	0.96	0.71
Long-Term Debt to Equity	0.22	0.21	0.31	0.66	0.67	0.64	0.35	0.32	0.30	0.30	0.29
Financial Leverage	0.71	1.04	1.07	1.16	1.22	0.93	0.88	0.79	1.04	1.00	0.80
Leverage Ratio	20.86	18.83	19.19	19.65	18.42	17.89	17.35	16.51	16.22	15.94	14.43
Compound Leverage Factor	20.86	18.83	19.19	19.65	18.42	17.89	17.35	16.51	16.22	15.94	14.43
Debt to Total Capital	55.68%	44.49%	44.94%	46.61%	54.32%	50.95%	48.49%	41.99%	48.06%	48.98%	41.36%
Short-Term Debt to Total Capital	45.92%	32.64%	27.89%	11.62%	23.80%	19.62%	30.68%	23.26%	32.31%	33.71%	24.10%
Long-Term Debt to Total Capital	9.76%	11.85%	17.05%	34.99%	30.53%	31.33%	17.81%	18.73%	15.74%	15.27%	17.26%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	44.32%	55.51%	55.06%	53.39%	45.68%	49.05%	51.51%	58.01%	51.94%	51.02%	58.64%
Debt to EBITDA	7.52	5.75	5.75	6.06	7.02	6.45	5.52	4.49	5.73	5.96	6.40
Net Debt to EBITDA	3.39	1.85	0.16	-0.81	4.12	1.77	2.08	1.10	3.33	3.28	2.48
Long-Term Debt to EBITDA	1.32	1.53	2.18	4.55	3.95	3.97	2.03	2.00	1.88	1.86	2.67
Debt to NOPAT	12.03	9.43	9.26	9.65	10.74	9.83	8.30	6.68	8.51	8.83	9.65
Net Debt to NOPAT	5.42	3.03	0.25	-1.29	6.31	2.70	3.13	1.64	4.94	4.87	3.74
Long-Term Debt to NOPAT	2.11	2.51	3.51	7.24	6.03	6.05	3.05	2.98	2.79	2.75	4.03
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-204	28	18	-3.17	-18	-49	-40	-8.47	-19	-34	-90
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-22.48	2.97	1.88	-0.29	-1.63	-4.62	-3.83	-0.81	-1.96	-3.64	-7.33
Operating Cash Flow to Interest Expense	0.67	0.17	0.41	0.37	0.58	-0.09	0.55	0.34	0.85	-0.21	0.56
Operating Cash Flow Less CapEx to Interest Expense	0.67	0.17	0.41	0.37	0.58	-0.09	0.55	0.34	0.85	-0.21	0.56
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03
Fixed Asset Turnover	2.96	2.98	3.01	2.95	3.09	3.19	3.29	3.26	3.41	3.43	3.14
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	205	169	176	197	226	221	220	209	249	258	313
Invested Capital Turnover	0.44	0.25	0.25	0.25	0.23	0.26	0.27	0.27	0.24	0.25	0.25
Increase / (Decrease) in Invested Capital	205	-25	-16	6.50	21	52	44	12	23	37	93
Enterprise Value (EV)	136	108	85	92	190	155	160	153	199	266	268
Market Capitalization	84	84	83	104	118	124	120	131	129	197	218
Book Value per Share	$24.95	$25.57	$26.44	$28.63	$28.03	$29.24	$30.53	$32.65	$34.76	$34.93	$36.95
Tangible Book Value per Share	$24.95	$25.57	$26.44	$28.63	$28.03	$29.24	$30.53	$32.65	$34.66	$34.93	$33.22
Total Capital	205	169	176	197	226	221	220	209	249	258	313
Total Debt	114	75	79	92	123	112	107	88	120	126	129
Total Long-Term Debt	20	20	30	69	69	69	39	39	39	39	54
Net Debt	51	24	2.16	-12	72	31	40	22	70	70	50
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	114	75	79	92	123	112	107	88	120	126	129
Total Depreciation and Amortization (D&A)	0.86	0.78	0.77	0.76	0.84	0.76	0.77	0.77	0.68	0.77	0.87
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.31	$0.71	$0.67	$0.91	$0.83	$0.70	$1.05	$0.98	$1.06	$0.74	$0.61
Adjusted Weighted Average Basic Shares Outstanding	3.65M	3.66M	3.68M	3.69M	3.70M	3.71M	3.72M	3.73M	3.76M	4.97M	4.98M
Adjusted Diluted Earnings per Share	$0.31	$0.71	$0.67	$0.91	$0.83	$0.69	$1.04	$0.98	$1.07	$0.73	$0.60
Adjusted Weighted Average Diluted Shares Outstanding	3.65M	3.66M	3.68M	3.69M	3.70M	3.71M	3.72M	3.73M	3.76M	4.97M	4.98M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	3.65M	3.66M	3.68M	3.69M	3.70M	3.71M	3.72M	3.73M	3.76M	4.97M	4.98M
Normalized Net Operating Profit after Tax (NOPAT)	1.13	2.59	2.47	3.34	3.05	2.58	3.88	4.06	3.98	3.47	5.44
Normalized NOPAT Margin	10.83%	21.61%	20.44%	25.49%	24.18%	19.65%	27.15%	27.36%	25.01%	23.29%	26.56%
Pre Tax Income Margin	13.71%	27.13%	24.96%	32.83%	30.06%	24.40%	34.17%	30.78%	33.11%	23.29%	18.70%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.16	0.35	0.31	0.40	0.34	0.30	0.47	0.43	0.54	0.37	0.31
NOPAT to Interest Expense	0.13	0.28	0.25	0.31	0.27	0.24	0.37	0.35	0.41	0.30	0.25
EBIT Less CapEx to Interest Expense	0.16	0.35	0.31	0.40	0.34	0.30	0.47	0.43	0.54	0.37	0.31
NOPAT Less CapEx to Interest Expense	0.13	0.28	0.25	0.31	0.27	0.24	0.37	0.35	0.41	0.30	0.25
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	49.26%	59.28%	55.70%	50.18%	41.91%	42.32%	38.06%	37.56%	35.49%	35.52%	41.68%
Augmented Payout Ratio	49.26%	59.28%	55.70%	50.18%	41.91%	42.32%	38.06%	37.56%	35.49%	35.52%	41.68%

Financials Breakdown Chart

Key Financial Trends

QNB Corp. (OTCMKTS:QNBC) delivered strong balance-sheet and revenue growth through the second quarter of 2026, but profitability weakened year over year as operating expenses rose sharply. The latest results show a larger loan portfolio, higher deposits and improved liquidity, while restructuring costs and share-count growth pressured earnings per share.

Revenue growth accelerated. Q2 2026 total revenue reached $20.5 million, up from $14.3 million in Q2 2025 and $12.1 million in Q2 2024. Net interest income increased to $18.4 million from $13.1 million a year earlier, supported by significant loan growth.
The loan book expanded substantially. Loans and leases rose to $1.72 billion at June 30, 2026, up approximately 41% from $1.22 billion a year earlier and about 47% from Q2 2024. This growth provides a larger base for future interest income.
Deposit funding also grew. Total deposits increased to roughly $2.07 billion, compared with $1.65 billion in Q2 2025 and $1.38 billion in Q2 2024. Deposit growth has helped fund the expansion of earning assets without relying solely on wholesale borrowing.
Credit quality indicators remained relatively stable. The allowance for loan and lease losses increased to $12.8 million from $9.2 million, broadly in line with loan growth. The allowance represented approximately 0.74% of gross loans in Q2 2026, compared with about 0.75% in Q2 2025.
Operating cash flow improved in the latest quarter. Net cash from operating activities was $6.9 million in Q2 2026, compared with $5.7 million in Q2 2025 and negative $1.9 million in Q1 2026. Changes in operating assets and liabilities contributed $2.5 million of cash during the latest quarter.
Liquidity increased. Cash and due from banks rose to $26.8 million at June 30, 2026, from $18.1 million at June 30, 2025. The company also generated $24.1 million of net investing cash flow in Q2 2026, primarily through investment securities sales and maturities.
Capital improved on an absolute basis. Total common equity increased to $183.5 million from $113.3 million a year earlier. Accumulated other comprehensive losses also narrowed to $43.8 million from $57.2 million, reducing one source of pressure on reported equity.
Net interest income growth has been the primary earnings driver. Net interest income rose from $10.2 million in Q4 2023 to $18.4 million in Q2 2026. However, the data does not include net interest margin or average asset yields, so investors cannot determine how much of the improvement came from loan growth versus pricing or changes in funding costs.
Net income declined year over year. Q2 2026 net income was $3.0 million, down from $3.9 million in Q2 2025. Pretax income fell to $3.8 million from $4.9 million, despite the substantial increase in total revenue.
Operating expenses rose faster than revenue. Total non-interest expense increased to $16.4 million in Q2 2026 from $9.6 million a year earlier. A $3.1 million restructuring charge was a major factor; excluding that charge, expenses were approximately $13.4 million, still about 40% higher than Q2 2025.
EPS was pressured by both lower earnings and dilution. Basic EPS fell to $0.61 from $1.05 in Q2 2025. Weighted-average basic shares increased to approximately 5.0 million from 3.7 million, meaning equity issuance and a larger share base reduced earnings per share even as the company expanded.
Dividend coverage became less comfortable. Q2 2026 dividends were $0.39 per share against basic EPS of $0.61, implying a quarterly payout ratio of roughly 64%. The dividend remained higher than in prior periods, but the lower earnings level leaves less room for unexpected credit losses or additional restructuring costs.
Financing cash flow remained negative. QNB generated negative $8.2 million of financing cash flow in Q2 2026, primarily because of $11.4 million in debt repayments and $1.8 million in dividend payments. This was partly offset by $4.5 million of deposit growth and $356,000 of common-equity issuance.

Overall, QNB’s operating franchise is expanding quickly, with loans, deposits, assets and net interest income all reaching substantially higher levels than in 2023 and 2024. The main issue for investors is whether management can convert that growth into sustainable shareholder returns. Future quarters should be monitored for a reduction in restructuring costs, stabilization of the share count, continued operating-cash-flow generation and evidence that credit costs remain contained.

Note: Q2 2025 and earlier comparative income-statement and cash-flow figures include restated data where provided in the company’s filings.

09/01/26 07:32 PM ETAI Generated. May Contain Errors.

QNB Corp. (Uplisting) Financials - Frequently Asked Questions

According to the most recent income statement we have on file, QNB Corp. (Uplisting)'s financial year ends in December. Their financial year 2025 ended on December 31, 2025.

QNB Corp. (Uplisting)'s net income appears to be on an upward trend, with a most recent value of $14.09 million in 2025, rising from $8.23 million in 2015. The previous period was $11.45 million in 2024. View QNB Corp. (Uplisting)'s forecast to see where analysts expect QNB Corp. (Uplisting) to go next.

Over the last 10 years, QNB Corp. (Uplisting)'s total revenue changed from $33.46 million in 2015 to $58.19 million in 2025, a change of 73.9%.

QNB Corp. (Uplisting)'s total liabilities were at $1.78 billion at the end of 2025, a 0.5% increase from 2024, and a 90.9% increase since 2015.

In the past 10 years, QNB Corp. (Uplisting)'s cash and equivalents has ranged from $8.90 million in 2016 to $22.58 million in 2021, and is currently $12.90 million as of their latest financial filing in 2025.

Over the last 10 years, QNB Corp. (Uplisting)'s book value per share changed from 27.10 in 2015 to 34.76 in 2025, a change of 28.3%.

Financial statements for NASDAQ:QNBC last updated on 9/1/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

From Our Partners

Unlock superior investment research and tools.

Get MarketBeat All Access

In-depth profiles and analysis for 20,000 public companies.
Real-time analyst ratings, insider transactions, earnings data, and more.
Our daily ratings and market update email newsletter.

Sign In
Create Account

Your Email Address:

Your Password:

Forgot your password?

Your Email Address:

Choose a Password:

By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

QNB Corp. (Uplisting) (QNBC) Financials

Financials Breakdown Chart

Key Financial Trends

QNB Corp. (Uplisting) Financials - Frequently Asked Questions

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools

About MarketBeat

MarketBeat Products

Popular Tools

Financial Calendars

Terms & Info

QNB Corp. (Uplisting) (QNBC) Financials

Annual Income Statements for QNB Corp. (Uplisting)

Quarterly Income Statements for QNB Corp. (Uplisting)

Annual Cash Flow Statements for QNB Corp. (Uplisting)

Quarterly Cash Flow Statements for QNB Corp. (Uplisting)

Annual Balance Sheets for QNB Corp. (Uplisting)

Quarterly Balance Sheets for QNB Corp. (Uplisting)

Annual Metrics And Ratios for QNB Corp. (Uplisting)

Quarterly Metrics And Ratios for QNB Corp. (Uplisting)

Financials Breakdown Chart

Key Financial Trends

QNB Corp. (Uplisting) Financials - Frequently Asked Questions

When does QNB Corp. (Uplisting)'s fiscal year end?

How has QNB Corp. (Uplisting)'s net income changed over the last 10 years?

How has QNB Corp. (Uplisting)'s revenue changed over the last 10 years?

How much debt does QNB Corp. (Uplisting) have?

How much cash does QNB Corp. (Uplisting) have?

How has QNB Corp. (Uplisting)'s book value per share changed over the last 10 years?

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools