QNB (QNBC)
Community bank providing deposits, loans, payments, brokerage and advisory services across southeastern Pennsylvania.
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Provides deposit accounts, loans, payments, brokerage and advisory services through QNB Bank. Earnings are driven primarily by the interest spread on loans, investments and funding, while relationship banking and a southeastern Pennsylvania footprint concentrate the business in one regulated Banking segment.
Operates QNB Bank, a Pennsylvania community bank serving individuals and businesses through branches across Bucks, Lehigh and Montgomery counties, with loan-production offices in Montgomery and Berks counties. Its single Banking segment includes commercial and retail banking, retail brokerage, securities and advisory services, and title-insurance participation.
Gathers deposits, originates commercial, commercial-real-estate, residential-mortgage, home-equity and consumer loans, and holds investment securities. The interest spread is the primary income source; account, card, brokerage, advisory and other service fees form a smaller stream. Relationship banking centers on local customer contact, personal service, flexible solutions, local loan decisions and digital delivery.
Faces competition for deposits and loans from banks, credit unions and non-bank providers. Products, capital, liquidity, lending and consumer-compliance processes remain subject to state and federal regulation.
Company facts
Categories
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $79.3M · Total debt $129.4M · Total assets $2.40B · Shareholders' equity $183.5M
- Revenue
- $32.8M
- Operating income
- $3.8M
- Net income
- $3.0M
Raised for 21 straight years — most recently to $0.39 from $0.38 in Mar 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Sep 11, 2026 | Sep 11 | Sep 25 | $0.39 | upcoming |
| Jun 12, 2026 | Jun 12 | Jun 26 | $0.39 | |
| Mar 13, 2026 | Mar 13 | Mar 27 | $0.39 | raised from $0.38 |
| Dec 12, 2025 | Dec 12 | Dec 26 | $0.38 | |
| Sep 12, 2025 | Sep 12 | Sep 26 | $0.38 | |
| Jun 13, 2025 | Jun 13 | Jun 27 | $0.38 | |
| Mar 14, 2025 | Mar 14 | Mar 28 | $0.38 | raised from $0.37 |
| Dec 13, 2024 | Dec 13 | Dec 27 | $0.37 | |
| Sep 13, 2024 | Sep 13 | Sep 27 | $0.37 |
| Institutions1 holder · as of Mar 31, 2026 | 0.00% | 1 shares | |
| Otherremainder | 100.00% | 4.98M shares |
4.98M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing
Two share counts disagree (4.98M in the company's Sep 3, 2026 report, 4.05M elsewhere); stakes use the report.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
Huntington National BankInstitution | 0.00% | 1 | 13Fas of Mar 31, 2026 |
Fourthstone LLCInstitution | —9.33% of class, as filed | — | 13Gfiled Aug 14, 2025 ↗ |
Mark T. LynchInsider | —8.30% of class, as filed | — | 13G/Afiled Jan 10, 2022 ↗ |
Terry MalteseInsider | —3.23% of class, as filed | — | 13G/Afiled Feb 14, 2022 ↗ |
13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more
Insider tradesForm 4
Nothing filed in the last 12 months.
- Wells Fargo
Largest named Bucks County deposit rival with broad banking scale.
- Toronto-Dominion Bank
Northeast branch rival in retail, small-business, and commercial banking.
- PNC Financial Services Group
Large Pennsylvania retail and commercial-bank rival with national reach.
- Citizens Financial Group
Pennsylvania retail, business, commercial, and wealth-banking rival.
- Bank of America
Large branch, business-banking, and wealth-management rival.
- Univest Financial
Nearby community-bank rival in deposits, commercial lending, and wealth.
- Fulton Financial
Mid-Atlantic relationship-bank rival in commercial lending and deposits.
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| QNB | $45.25 | +0.56% | $182.9M | 13.4 | — | 1.8 | +7.4% |
| Wells Fargo | $89.38 | +0.11% | $269.98B | 12.9 | 11.9 | 2.1 | +8.6% |
| Toronto-Dominion Bank | $121.00 | −0.40% | $205.22B | 18.0 | 15.3 | 2.5 | −22.1% |
| PNC Financial Services Group | $241.57 | −0.38% | $96.74B | 13.3 | 11.9 | 2.8 | +21.4% |
| Citizens Financial Group | $70.00 | +0.36% | $29.51B | 15.2 | 11.9 | 2.6 | +12.1% |
| Bank of America | $62.89 | +0.46% | $444.25B | 14.4 | 12.7 | 2.3 | +19.3% |
| Univest Financial | $41.50 | −0.39% | $1.15B | 12.0 | 10.8 | 2.2 | +4.1% |
| Fulton Financial | $24.04 | +1.43% | $4.53B | 11.3 | 10.6 | 2.4 | +13.5% |
| Median | 13.3 | 11.9 | 2.4 | +12.1% |