QNB Corp. (QNBC)

QNB Corp. Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	11.45	9.48	15.92	16.49
Depreciation & Amortization	1.15	1.78	1.2	1.96
Other Amortization	0.06	-	-	-
Gain (Loss) on Sale of Investments	0.57	3.44	2.98	0.42
Provision for Credit Losses	-0.07	-0.84	-0.85	0.46
Net Decrease (Increase) in Loans Originated / Sold - Operating	-0.09	-0.53	0.01	11.88
Accrued Interest Receivable	1.14	-1.06	-0.93	0.72
Change in Income Taxes	0.54	-2.09	-0.53	-0.08
Change in Other Net Operating Assets	-0.74	0.2	-0.85	0.2
Other Operating Activities	-0.24	-0.89	-0.44	-1.03
Operating Cash Flow	16.22	14.46	16.84	30.39
Operating Cash Flow Growth	12.17%	-14.12%	-44.60%	299.80%
Capital Expenditures	-3.52	-0.77	-0.55	-3.18
Investment in Securities	-44.87	75.25	45.25	-268.58
Net Decrease (Increase) in Loans Originated / Sold - Investing	-122.57	-53.91	-112.72	-11.24
Other Investing Activities	-2.37	2.46	-3.63	0.51
Investing Cash Flow	-173.33	23.04	-71.65	-282.49
Short-Term Debt Issued	-	-	92.85	9.64
Long-Term Debt Issued	50	20	-	-
Total Debt Issued	50	20	92.85	9.64
Short-Term Debt Repaid	-40.25	-67.23	-	-
Long-Term Debt Repaid	-	-10	-	-
Total Debt Repaid	-40.25	-77.23	-	-
Net Debt Issued (Repaid)	9.75	-57.23	92.85	9.64
Issuance of Common Stock	0.39	0.82	0.42	0.58
Repurchase of Common Stock	-	-	-0.08	-1.36
Common Dividends Paid	-4.8	-4.67	-4.5	-4.38
Net Increase (Decrease) in Deposit Accounts	139.83	70.34	-31.38	221.68
Financing Cash Flow	145.17	9.26	57.32	226.16
Net Cash Flow	-11.94	46.76	2.51	-25.94
Free Cash Flow	12.7	13.69	16.28	27.21
Free Cash Flow Growth	-7.24%	-15.91%	-40.17%	295.61%
Free Cash Flow Margin	25.48%	29.87%	31.88%	52.89%
Free Cash Flow Per Share	3.46	3.79	4.57	7.66
Cash Interest Paid	38.92	24.1	7.67	4.78
Cash Income Tax Paid	2.28	4.29	4.26	3.93

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.