QNB Corp

QNB Corp maintains a debt-to-equity ratio of 0.93, indicating a moderate reliance on debt financing relative to equity. The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt. Free cash flow stands at $8.93 million, while operating cash flow is $16.62 million, suggesting the company generates sufficient cash to cover operations but has limited surplus for reinvestment or debt reduction.

Profitability metrics show a return on equity (ROE) of 10.88% and a return on assets (ROA) of 0.74%. These figures are below the typical performance benchmarks for the banking industry, which often sees ROE in the 12-15% range and ROA in the 1-2% range. The company's net income of $14.09 million on total assets of $19.06 billion suggests a relatively low asset utilization efficiency.

The company's revenue is concentrated in a single business segment, with no disclosed geographic diversification. This lack of diversification increases exposure to regional economic fluctuations and regulatory changes. The absence of segment or geographic breakdown in the financial data limits the ability to assess risk distribution.

Growth trajectory is modest, with no disclosed revenue growth rates or future projections. The company's capital expenditure of -$1.14 million indicates a reduction in capital spending, which may signal a focus on cost control or asset optimization. However, without forward-looking guidance, it is difficult to assess the company's long-term growth potential.

Risk factors include a medium liquidity risk due to the negative net cash position and a low dilution risk, as the company has not issued additional shares recently. The risk assessment also flags the company's reliance on debt financing, which could become a concern if interest rates rise or credit conditions tighten.

Recent events include the disclosure of a last actual EPS of $1.82, as reported by analysts. No recent filings or transcripts have been provided to indicate strategic shifts or operational changes. The absence of recent events suggests a stable but unremarkable operational environment.