QNB Corp (QNBC) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of QNB Corp stock $19.76, price $47.46, that is 58.4% below the price, quality 53 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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QNB Corp
QNBC · USOur calculation puts a fair price 58% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $18.60 – $47.46 · fair‑value band $18.22 – $23.10 · the $47.46 price screens above the $19.76 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Company profile
QNB Corp. operates as the bank holding company for QNB Bank that engages in the provision of commercial and retail banking products, and retail brokerage services in the United States.
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The company offers demand and savings accounts, such as money market accounts, interest-bearing demand accounts, club accounts, traditional statement savings accounts, and online savings account, as well as time deposits, including certificates of deposit and individual retirement accounts.
It also provides commercial real estate loans comprising construction and land development loans; industrial loans; commercial and industrial loans; residential real estate loans; residential mortgage loans; consumer loans; fixed-rate home equity loans and variable-rate home equity lines of credit; and purchases investment securities.
In addition, the company offers retail brokerage and advisory services; insurance products; merchant services; ATM, and debit and credit card services; and internet and mobile-banking, electronic bill pay, and remote deposit capture services.
QNB Corp. was founded in 1877 and is based in Quakertown, Pennsylvania.
Stock analysis
QNB Corp (QNBC) currently trades at $47.46, while our model-based Fair Value estimate is $19.76, 58% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $26.96 per share, and 0 of the 6 models we run sit above the $47.46 price.
Bear case: the Dividend Discount group reads lowest at $10.22, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $18.22 (bear) to $23.10 (bull), the price of $47.46 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
QNB Corp reported revenue of $58.2M in FY2025 versus $51.9M in FY2021, a compound +2.9%/yr. Reported net income was $14.1M in FY2025, compounding −3.9%/yr from FY2021.
Key figures
Market cap $290M Micro · P/E ratio 14.1 · P/S ratio 2.93 · EPS (TTM) $3.36 · Dividend yield 3.2% · Net margin 20.4% · Return on equity 9.0% · Return on assets (EBIT) 1.3% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 42% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −58%, QNBC screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $10,000, on Sep 25, 2026.
- BuyRandy S. BimesDirector6× since Nov 13, 2025: 3,770 shares, avg. $35.86$135,208Sep 25, 2026
- SaleScott G OrzehoskiEVP, Chief Lending Officer300 shares at $38.28$11,484Jan 30, 2026
- Plan buyJoseph W MajorDirector219 shares at $43.85$9,603Jul 1, 2026
- Plan buyAutumn R BaylesDirector2× since Jan 2, 2026: 493 shares, avg. $38.91$19,185Jul 1, 2026
- Plan buyKenneth F Brown JrDirector274 shares at $34.97$9,582Jan 2, 2026
- Plan buyW Randall StaufferDirector274 shares at $34.97$9,582Jan 2, 2026
- Plan buyScott R StevensonDirector274 shares at $34.97$9,582Jan 2, 2026
- Plan buyJennifer L MannDirector274 shares at $34.97$9,582Jan 2, 2026
- Plan buyLaurie BergmanDirector274 shares at $34.97$9,582Jan 2, 2026
- Plan buyRandy S. BimesDirector274 shares at $34.97$9,582Jan 2, 2026
Plus 2 more entries from the last 12 months.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
QNBC screens overvalued: fair value 58% below the price. Compare with China Merchants Bank Co →
Compare QNB Corp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- EV/EBITDA by industry
- Dividend yield by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs QNBC |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs QNBC |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs QNBC |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs QNBC |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs QNBC |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs QNBC |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs QNBC |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs QNBC |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs QNBC |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs QNBC |
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Key figures of QNB Corp
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