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Data-driven stock valuation

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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Financial Services US

QC QNB Corp logo Broad data Nov 8, 2026

QNB Corp

QNBC · US
Solid, but very expensive

Our calculation puts a fair price 58% below what the stock costs today.

Healthy Growth (revenue 5y +5.3 %/yr in USD)
Highly profitable · 20.4% net margin (TTM)
3.2% dividend yield · Low payout
Broad data
Revenue last quarter +40% vs. a year ago.
Quality 53/100
Moderate moat 61/100 · thin data
Insiders bought $10,000 (6M)
Fair value $19.76 · Strongly overvalued
Trails peers (3/14)
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What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$47.46 $18.60 Fair Value $19.76 Jun 2019 Nov 2026

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

Bear $18.22 Fair Value $19.76 Bull $23.10
Price $47.46 · Downside -58.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.56 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $18.22 $19.76 $23.10 76
Gordon GGM $6.15 $10.94 $14.90 68
DDM Multi-Stage $6.15 $9.50 $11.70 67
All 6 models by family
Dividend Discount
Gordon GGM $6.15 $10.94 $14.90 68
DDM Multi-Stage $6.15 $9.50 $11.70 67
Multiples
P/E Multiple $22.12 $29.50 $36.87 63
P/B Multiple $18.32 $24.42 $30.53 55
Asset-Based
NCAV (Graham) $10.88 $14.59 $21.77 54
Economic Profit
Residual Income $18.22 $19.76 $23.10 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 53/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 35
How much profit the company makes from its sales and capital
Quality Growth 55
Are margins and returns getting better?
Cashflow 85
Do the profits arrive as real cash?
Financial strength 9
Debt, balance sheet and risk of trouble
Investment 59
Does it invest with discipline instead of growing at any price?
Low Volatility 100
How calm the share price moves, does not count
Price momentum 63
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 91
Distance to the 52-week high, does not count
New shares 66
Buys back shares or issues new ones?

Open the full quality analysis →

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

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 75/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+16.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.3%
Start year 2020 (pandemic). Over 10 years: +5.7% a year
Revenue growth 30 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+68.1%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+4.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+1.3%
Dividend (yield on the price)3.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.1.3% vs 3.7%, steady
Pace: the 5-year rate starts in 2020 (pandemic)

QNBC screens overvalued: fair value 58% below the price. Compare with China Merchants Bank Co →

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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

Beats the industry median on 3/14 measures
Overall it trails its industry peers.
Valuation
Quality Score 53 · Below median
Fair Value upside −58.4% · Bottom 25%
Profitability
Return on equity (12 months) 9.0% · Below median
Return on assets 0.7% · Below median
Net margin (12 months) 20.4% · Bottom 25%
Operating margin (12 months) 35.6% · Below median
Growth and dividend
Revenue growth (quarter YoY) 40.3% · Top 25%
Dividend yield (12 months) 3.2% · Above median
Balance sheet
Debt / equity 0.15× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 14.1× · Pricier than median
P/B 2.15× · Priciest 25%
P/S (12 months) 4.42× · Priciest 25%
Price / free cash flow (fiscal year) 18.7× · Priciest 25%
EV/EBITDA 19.3× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)36 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)65 · sector 53

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

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

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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QNB Corp: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "QNB Corp Fair Value". https://www.fairvalue-calculator.com/stock/QNBC

Frequently asked questions

Is QNB Corp (QNBC) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $19.76 versus a price of $47.46, about 58% lower (overvalued).
What is the fair value of QNBC?
Our model-based fair value for QNB Corp is $19.76 (as of Nov 8, 2026), built from audited fundamentals. The current price: $47.46.
What is the quality score of QNBC?
QNB Corp has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for QNB Corp (QNBC)?
Our model-based price target is the fair value of $19.76 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $18.22, optimistic scenario $23.10. It is a calculation from audited fundamentals, not an analyst target.
What is the QNB Corp stock forecast for 2026?
Our models put fair value at $19.76, about 58% lower versus a price of $47.46 (overvalued). Cautious scenario $18.22, optimistic scenario $23.10. The calculation is refreshed regularly with new filings.
What is the revenue of QNB Corp (QNBC)?
QNB Corp reported trailing-twelve-month revenue of about $65.6M (latest available figure, as of Nov 8, 2026).
Does QNB Corp pay a dividend?
QNB Corp currently shows a dividend yield of 3.24% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of QNB Corp (QNBC) and when is the ex-dividend date?
QNB Corp pays a dividend of $1.54 per share a year, a dividend yield of 3.2%. The last ex-dividend date was Sep 11, 2026. A dividend has been paid every year since at least 1997. The payout ratio is 45.8% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of QNB Corp (QNBC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For QNB Corp it is $19.76 per share (as of Nov 8, 2026), against a price of $47.46. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is QNB Corp stock overvalued or undervalued in 2026?
As of Nov 8, 2026, QNBC trades above its calculated fair value: price $47.46, fair value $19.76, a gap of about −58% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of QNBC?
No. The price is what the market pays today ($47.46); the fair value is what the company's own numbers justify ($19.76). For QNB Corp the two are $27.70 per share apart. That gap is exactly why we show both numbers side by side.
How much is QNB Corp worth?
The market values QNB Corp at about $290M (market capitalisation, as of Nov 8, 2026). Per share that is $47.46; our models calculate a fair value of $19.76 per share.
What do the bullish and bearish scenarios say about QNBC?
Our models span a range for QNB Corp: cautious scenario $18.22, base $19.76, optimistic $23.10 per share (as of Nov 8, 2026, price $47.46). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of QNBC?
QNB Corp trades at a price-to-earnings ratio of 14.1 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $19.76 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2016, FY2023 ex one-offs: 10.2. Other multiples: P/B 2.2, P/S 4.4, EV/EBITDA 19.3.
How solid is the balance sheet of QNB Corp (QNBC)?
Balance-sheet figures for QNB Corp (as of Nov 8, 2026): return on equity 9.0%, debt of 0.15 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is QNBC from its 52-week high?
QNB Corp trades at $47.46, at its 52-week high of $47.46 and 42% above the low of $33.49 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $19.76 is for.
Which stocks are comparable to QNB Corp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is QNB Corp stock attractive at the current price?
The data as of Nov 8, 2026: price $47.46, calculated fair value $19.76 (−58%), Quality Score 53/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of QNBC calculated?
We run QNB Corp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $19.76 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. QNB Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of QNB Corp (QNBC)?
The closing price on Nov 6, 2026 was $47.46. Our model-based fair value is $19.76, about 58% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with QNB Corp right now?
The price sits above even our optimistic bull case ($23.10). The favourable scenario is already priced in. Solid but not exceptional quality (53/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of QNB Corp (QNBC) come from?
Earnings per share at QNB Corp grew +4.1 % a year from 2012 to 2023. Broken into its drivers: revenue per share +3.8 %, EBIT margin +2.8 %, tax rate +0.4 %, residual (interest, one-offs) −2.8 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of QNB Corp

How large is the market capitalisation of QNB Corp (QNBC)?
The market capitalisation of QNB Corp is $290M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of QNB Corp (QNBC)?
The price-to-sales ratio of QNB Corp is 2.93 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of QNB Corp (QNBC)?
Earnings per share at QNB Corp are $3.36 (price ÷ EPS = P/E 14.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of QNB Corp (QNBC)?
The dividend yield of QNB Corp is 3.2% (payout 45.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of QNB Corp (QNBC)?
The net margin of QNB Corp is 20.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of QNB Corp (QNBC)?
The return on equity (ROE) of QNB Corp is 9.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of QNB Corp (QNBC)?
On an EBIT basis the return on assets of QNB Corp is 1.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of QNB Corp (QNBC)?
The operating margin of QNB Corp is 35.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at QNB Corp (QNBC)?
Revenue at QNB Corp is growing +40.3% versus a year earlier (3y avg +5.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at QNB Corp (QNBC)?
Earnings per share at QNB Corp are growing −42.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does QNB Corp (QNBC) generate?
The free cash flow of QNB Corp is $15.5M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does QNB Corp (QNBC) carry?
The net debt of QNB Corp is $15.7M (fiscal year 2025, ≈ 1.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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