QNB Corp. (QNBC)
NASDAQ: QNBC · Real-Time Price · USD
47.85
+0.45 (0.95%)
Nov 10, 2026, 10:16 AM EST - Market open
QNB Corp. Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 14.09 | 11.45 | 9.48 | 15.92 | 16.49 |
Depreciation & Amortization | 1.02 | 1.15 | 1.78 | 1.2 | 1.96 |
Other Amortization | 0.2 | 0.06 | - | - | - |
Gain (Loss) on Sale of Investments | 0.96 | 0.57 | 3.44 | 2.98 | 0.42 |
Provision for Credit Losses | 0.45 | -0.07 | -0.84 | -0.85 | 0.46 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | -1.13 | -0.09 | -0.53 | 0.01 | 11.88 |
Accrued Interest Receivable | 0.13 | 1.14 | -1.06 | -0.93 | 0.72 |
Change in Income Taxes | 1.94 | 0.54 | -2.09 | -0.53 | -0.08 |
Change in Other Net Operating Assets | 1.68 | -0.74 | 0.2 | -0.85 | 0.2 |
Other Operating Activities | -0.46 | -0.24 | -0.89 | -0.44 | -1.03 |
Operating Cash Flow | 16.62 | 16.22 | 14.46 | 16.84 | 30.39 |
Operating Cash Flow Growth | 2.50% | 12.17% | -14.12% | -44.60% | 299.80% |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -1.14 | -3.52 | -0.77 | -0.55 | -3.18 |
Investment in Securities | 23.39 | -44.87 | 75.25 | 45.25 | -268.58 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -44.4 | -122.57 | -53.91 | -112.72 | -11.24 |
Other Investing Activities | -1.23 | -2.37 | 2.46 | -3.63 | 0.51 |
Investing Cash Flow | -23.38 | -173.33 | 23.04 | -71.65 | -282.49 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Short-Term Debt Issued | 26.76 | - | - | 92.85 | 9.64 |
Long-Term Debt Issued | - | 50 | 20 | - | - |
Total Debt Issued | 26.76 | 50 | 20 | 92.85 | 9.64 |
Short-Term Debt Repaid | - | -40.25 | -67.23 | - | - |
Long-Term Debt Repaid | -30 | - | -10 | - | - |
Total Debt Repaid | -30 | -40.25 | -77.23 | - | - |
Net Debt Issued (Repaid) | -3.24 | 9.75 | -57.23 | 92.85 | 9.64 |
Issuance of Common Stock | 0.61 | 0.39 | 0.82 | 0.42 | 0.58 |
Repurchase of Common Stock | - | - | - | -0.08 | -1.36 |
Common Dividends Paid | -5 | -4.8 | -4.67 | -4.5 | -4.38 |
Net Increase (Decrease) in Deposit Accounts | 13.97 | 139.83 | 70.34 | -31.38 | 221.68 |
Financing Cash Flow | 6.34 | 145.17 | 9.26 | 57.32 | 226.16 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | -0.42 | -11.94 | 46.76 | 2.51 | -25.94 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 15.49 | 12.7 | 13.69 | 16.28 | 27.21 |
Free Cash Flow Growth | 21.93% | -7.24% | -15.91% | -40.17% | 295.61% |
Free Cash Flow Margin | 26.82% | 25.48% | 29.87% | 31.88% | 52.89% |
Free Cash Flow Per Share | 4.15 | 3.46 | 3.79 | 4.57 | 7.66 |
Additional Metrics
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 43.94 | 38.92 | 24.1 | 7.67 | 4.78 |
Cash Income Tax Paid | 2.01 | 2.28 | 4.29 | 4.26 | 3.93 |