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QNB Corp. (QNBC) 12-Month Stock Forecast & Price Target Cone

$47.46 +0.72% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $47.64

QNB Corp. (QNBC) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 11% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $293.0M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on QNBC Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is QNBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, QNB Corp. (NASDAQ: QNBC) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $47.46 (+0.72% 1D, market cap $293.0M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 16/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, QNBC ranks #117 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does QNBC compare to BPRN and FUNC in the Financials sector?
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Within the Financials sector (Major Banks), QNBC carries a Roarable B- (70/100 RQD), trailing P/E of 20.8x, gross margin of —, and ROIC of 10.9%. By comparison, BPRN (Princeton Bancorp Inc. (PA)) holds a C grade (62/100 RQD, P/E 15.8x, ROIC 6.9%, cap $292.9M) and FUNC (First United Corporation) posts a C+ grade (67/100 RQD, P/E 12.1x, ROIC 12.0%, cap $295.8M). Among the 5-stock peer group, OVLY leads on earnings multiple (9.4x) while OVLY leads on capital efficiency (14.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for QNBC?
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Per QNBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000750558), QNB Corp. generated $800.5M in revenue (+1.9% YoY), $14.1M in net income, and $16.6M in free cash flow against $1.91B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $47.64 (+0.37%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 2.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B-
025507510070
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B
Cash (13)Whales (13)SEC (13)Macro (16)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+5.4% Base Target
$59 Bull$50 Base$39 Bear
📬 FREE QNBC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for QNBC)Realized 20D OHLCV Swing Band: ±2.6%
Deterministic 5-Pillar Attribution (70/100 Composite)
🔍 WHY QNBC SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (23% of score)

FRED Regime × Technicals: 97% of 52W Range • RSI-14 at 71.8 (OVERBOUGHT (>70))

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (21% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
62
Grade C+$46.06-0.4% Next Q
Q2 (-2Q)
65
Grade C+$45.89+1.5% Next Q
Q3 (-1Q)
67
Grade B-$46.56+1.9% Next Q
Current
70
Grade B-$47.46+6.6% Hist 90D α
Trajectory: C+ (62) → B- (70)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the QNBC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) score, QNBC faces multiple-compression risk if 20.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($45.67) or 200D SMA ($42.66) invalidates the momentum regime and cuts Target Base ($50.02) toward Bear Floor ($38.92).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $QNBC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “QNBC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 70%NO 30%Trade / Inspect Odds →
INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your QNBC Position Size: $10,000

Shares at $47.46: 210.7 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $38.92
$8,201
$-1,799 (-18.0%)
12M Consensus BaseTarget $50.02
$10,539
+$539 (+5.4%)
12M Bull Case BreakoutTarget $59.02
$12,436
+$2,436 (+24.4%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (34 Desks)

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 23● Hold: 9● Sell: 2
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskOUTPERFORM$5274%A
Goldman SachsSector Coverage LeadBUY$5569%B
JP MorganUS Large-Cap ResearchHOLD$4458%C
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (QNBC Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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Join Founding VIP Waitlist (No Card Required) →$100K Arena
QNBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +7.50%📐 HORIZONTAL RANGE
2026-11-03O $47.14H $47.46L $47.12C $47.46VOL 35.6K
RES: $47.95SUP: $42.24SMA50: $45.67SMA200: $42.66
$48.60$45.38$42.16$38.94$35.72RES $47.95SUP $42.24$47.462026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

QNBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 QNBC Butterfly Map → + Track QNBC →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
14.4%/yr Implied 5Y Growth

vs. +1.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on QNBC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for QNBC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for QNBC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (QNBC)

Financials Rank #117 of 1097 ⚔️ BPRN vs QNBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (QNBC vs. BPRN, FUNC, OVLY, ATLO)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, QNB Corp. (QNBC) ranks #117 by composite RQD confidence (70/100, grade B-) and #814 by equity capitalization ($293.0M). Within this direct 5-issuer industry benchmark cohort, OVLY leads on earnings valuation at 9.4x trailing P/E, while OVLY leads on capital efficiency and profitability with 14.8% ROIC and — gross margin. QNBC currently leads its immediate peer cohort in composite quantitative strength at 70/100 (B-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
QNBC ACTIVE
QNB Corp.
B- 70/100 20.8x — 10.9% +0.72% $293.0M Benchmark Subject
BPRN
Princeton Bancorp Inc. (PA)
C 62/100 15.8x — 6.9% +2.26% $292.9M /bprn-vs-qnbc →
FUNC
First United Corporation
C+ 67/100 12.1x — 12.0% +1.70% $295.8M /func-vs-qnbc →
OVLY
Oak Valley Bancorp (CA)
C+ 66/100 9.4x — 14.8% +1.22% $289.6M /ovly-vs-qnbc →
ATLO
Ames National Corporation
C+ 68/100 15.8x — 9.2% +2.18% $296.8M /atlo-vs-qnbc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000750558 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), QNB Corp. (QNBC) reported GAAP revenue of $800.5M (+1.9% vs. FY2024 revenue of $785.8M , and +1357.2% cumulative change since FY2023) , GAAP net income of $14.1M, operating cash flow of $16.6M, and free cash flow of $16.6M (+2.5% YoY). On the balance sheet, QNBC closed FY2025 with $1.91B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $800.5M $14.1M $16.6M $16.6M $1.91B —
FY2024 (FY) 2024-12-31 $785.8M $11.4M $16.2M $16.2M $1.87B —
FY2023 (FY) 2023-12-31 $54.9M $9.5M $14.5M $14.5M — —

3. QNBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is QNBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, QNB Corp. (NASDAQ: QNBC) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $47.46 (+0.72% 1D, market cap $293.0M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 16/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, QNBC ranks #117 in composite RQD confidence.

How does QNBC compare to BPRN and FUNC in the Financials sector?

Within the Financials sector (Major Banks), QNBC carries a Roarable B- (70/100 RQD), trailing P/E of 20.8x, gross margin of —, and ROIC of 10.9%. By comparison, BPRN (Princeton Bancorp Inc. (PA)) holds a C grade (62/100 RQD, P/E 15.8x, ROIC 6.9%, cap $292.9M) and FUNC (First United Corporation) posts a C+ grade (67/100 RQD, P/E 12.1x, ROIC 12.0%, cap $295.8M). Among the 5-stock peer group, OVLY leads on earnings multiple (9.4x) while OVLY leads on capital efficiency (14.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for QNBC?

Per QNBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000750558), QNB Corp. generated $800.5M in revenue (+1.9% YoY), $14.1M in net income, and $16.6M in free cash flow against $1.91B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is QNBC trading relative to its 50-day, 200-day, and 52-week technical levels?

QNBC last traded at $47.46 (+0.72% on volume of 47,904 shares), positioning the stock +3.92% above its 50-day simple moving average ($45.67) and +11.25% above its 200-day simple moving average ($42.66). Across its 52-week range of $34.00 to $47.82, QNBC sits at the 97.4% percentile with a 14-day RSI of 71.8 (OVERBOUGHT (>70)) and an implied next-earnings move of ±2.6% ($46.23 to $48.69).

Direct Sub-Reports: QNBC RQD Cockpit QNBC 12M Forecast QNBC Earnings & Move QNBC Dividends & DRIP QNBC Insiders & 13F QNBC Whale Options QNBC Profit Sankey QNBC News & Why
ROARABLE RATING BRIEF • RQD 70/100 (B-) ✓ SEC XBRL & RQD VERIFIED

QNBC — QNB Corp.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

QNB Corp. (QNBC) earns a live Roarable RQD composite score of 70/100, corresponding to a B- letter grade (Roarable Buy) at a spot price of $47.46 (+0.72% 1D, market capitalization $293.0M).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 10.9%, gross margin of —, operating margin of —, and free cash flow yield of 5.67%.
  • Whale 13F & Options Flow (13/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (16/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

QNB Corp. (QNBC) is a NASDAQ-listed issuer in the Financials sector, operating within the Major Banks industry, . The Profile section states a market capitalization of $0.3B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), QNB Corp. (QNBC) reported $800.5M in annual revenue (up from $785.8M in FY2024, +1.9% YoY) and $14.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($54.9M revenue, $9.5M net income) through FY2025, QNBC scaled operating cash flow to $16.6M and free cash flow to $16.6M, backed by $1.91B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B- • RQD 70/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 5.67% and institutional whale pillar of 13/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $34.00 – $47.82 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 20.8x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The only sector-level input is the Financials / Major Banks classification and the Beta of 1.0. A prospective investor should note that the Q3 net loss figures in the news wire conflict in direction with the positive FY 2025 net income reported in the SEC financials, and that interaction is not resolved by the source data. — for any further ripple analysis.

  • Key Question #1: Can QNBC sustain or expand its — operating margin and 10.9% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $800.5M and free cash flow of $16.6M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is QNBC's 19.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

QNBC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for QNB Corp. (QNBC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to QNBC Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

QNBC Bull vs. Bear Conversation Board — What's Your Call at $47.46?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON QNBC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on QNBC:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $57.02 (+21.0%)
📌 Pinned Debate

Per the Roarable RQD rating, ROIC of 10.9% and an FCF yield of 5.67% support a Fundamental Cash Engine pillar score of 13 of 20 alongsi

Per the Roarable RQD rating, ROIC of 10.9% and an FCF yield of 5.67% support a Fundamental Cash Engine pillar score of 13 of 20 alongside insider conviction of 15 of 20.. When you look under the hood at QNBC, Fundamental Cash Engine is 13/20 with 0.0% gross margins and 10.9% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (13/20) has been quietly accumulating below $47.82. My 12M target is $57.02.

ArenaChamp_24 🐂 BULL

@CreditSpread_Watch Fair point on 20.8x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $40.52 (-14.0%)
Spot @ $47.12

Three RISK WATCH news items report a $14.8M third-quarter net loss, which conflicts with reported FY 2025 net income of $14.1M.

Three RISK WATCH news items report a $14.8M third-quarter net loss, which conflicts with reported FY 2025 net income of $14.1M.. Look at the math on QNBC: paying 20.8x trailing P/E for 10.9% ROIC and 0.0% operating margins leaves zero margin of safety if Major Banks demand softens. I'd wait for a retest of $41.47 before getting long.

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