Analysis of QNB (OTCMKTS:QNBC) and Columbia Banking System (NASDAQ:COLB)

QNB (OTCMKTS:QNBC – Get Rating) and Columbia Banking System (NASDAQ:COLB – Get Rating) are both finance companies, but which is the best investment? We’ll compare the two companies based on their risk strength, valuation, dividends, analyst recommendations, earnings, profitability, and institutional ownership.


QNB pays an annual dividend of $1.44 per share and has a dividend yield of 4.8%. Columbia Banking System pays an annual dividend of $1.20 per share and has a dividend yield of 3.9%. QNB pays 35.0% of its profits as a dividend. Columbia Banking System pays 43.2% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. QNB is clearly the better dividend-paying stock, given its higher yield and lower payout ratio.

Analyst Notes

This is a summary of the current recommendations for QNB and Columbia Banking System, as reported by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
NB 0 0 0 0 N / A
Colombian banking system 0 3 2 0 2.40

Columbia Banking System has a consensus target price of $34.80, suggesting a potential upside of 11.68%. Given the higher possible upside of Columbia Banking System, analysts clearly believe that Columbia Banking System is more favorable than QNB.

Institutional and insider ownership

15.0% of QNB shares are held by institutional investors. By comparison, 94.4% of Columbia Banking System’s stock is held by institutional investors. 11.6% of QNB shares are held by insiders of the company. By comparison, 0.6% of Columbia Banking System’s stock is held by company insiders. Strong institutional ownership indicates that endowments, hedge funds, and large fund managers believe a company will outperform the market over the long term.

Volatility and risk

QNB has a beta of 0.56, indicating that its stock price is 44% less volatile than the S&P 500. In comparison, Columbia Banking System has a beta of 0.67, indicating that its stock price is 33% less volatile than the S&P 500.


This table compares the net margins, return on equity and return on assets of QNB and Columbia Banking System.

Net margins Return on equity return on assets
NB 27.15% 12.76% 0.88%
Colombian banking system 31.28% 9.68% 1.14%

Benefits and evaluation

This table compares the revenue, earnings per share and valuation of QNB and Columbia Banking System.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
NB $56.55 million 1.91 $16.49 million $4.11 7.37
Colombian banking system $630.16 million 3.89 $202.82 million $2.78 11.21

Columbia Banking System has higher revenue and profit than QNB. QNB trades at a lower price-to-earnings ratio than Columbia Banking System, indicating that it is currently the more affordable of the two stocks.


Columbia Banking System beats QNB on 10 out of 15 factors compared between the two stocks.

About QNB

(Get an evaluation)

QNB Corp. operates as a bank holding company for QNB Bank which provides commercial and retail banking products and services. It offers various deposit products, which include current and savings accounts, such as money market, interest-bearing demand, club, traditional statement savings and online savings accounts; and term deposits consisting of certificates of deposit and individual retirement accounts. The Company also offers commercial and industrial loans, commercial and residential real estate loans, construction and land development loans, indirect lease financing, 1-4 family residential mortgage loans, home equity and lines of credit, as well as consumer loans. In addition, it offers brokerage and advisory services to individuals; credit cards and insurance products; merchant services; ATM and debit card services; and internet and mobile banking, electronic bill payment and remote deposit capture services. As of December 31, 2021, the company had twelve full-service community banking offices in Bucks, Montgomery, and Lehigh counties in southeastern Pennsylvania. QNB Corp. was founded in 1877 and is based in Quakertown, Pennsylvania.

About the Columbia Banking System

(Get an evaluation)

Columbia Banking System, Inc. operates as a bank holding company for Columbia State Bank which provides a range of banking services to small and medium-sized businesses, professionals and individuals in the United States. It offers personal banking products and services, including interest-free and interest-bearing checks, savings accounts, money market and certificates of deposit; home mortgages for purchases and refinances, home equity loans and lines of credit and other personal loans; debit and credit cards; and digital banking. The Company also provides business banking products and services, such as checking, savings, interest-bearing money market and certificate of deposit accounts; agricultural, asset-based, builder, and other commercial real estate loans, as well as loans guaranteed by the Small Business Administration; and professional banking, cash management, merchant card and international banking. In addition, it offers wealth management solutions that include financial planning services, such as asset allocation, net worth analysis, estate planning and preservation, education funding and transfer of assets; long-term care and life and disability insurance solutions; individual retirement solutions including retirement planning, retirement income strategies and traditional and Roth individual retirement accounts; and business solutions, which include corporate pension plans, key person insurance, corporate succession planning and deferred compensation plans for individuals, families and professional businesses. In addition, the company provides trust, investment and administrative trust services, such as personal and special needs trusts, estate settlement, investment agency and charitable organization management. It operates a network of 153 branches, including 68 in Washington State, 59 in Oregon, 15 in Idaho and 11 in California. The company was founded in 1993 and is based in Tacoma, Washington.

Get news and reviews for QNB Daily – Enter your email address below to receive a concise daily summary of breaking news and analyst ratings for QNB and related companies with’s free daily email newsletter.

Comments are closed.