Quaint Oak Bancorp (QNTO) AI Stock Analysis

• Market Cap: $26.89M
• Dividend Yield: 4.22%
• Average Volume (3M): 305.00
• Price to Earnings (P/E): 13.3
• Beta (1Y): -0.07
• Revenue Growth: -14.80%
• EPS Growth: -0.33%
• Country: US
• Employees: 131
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.10
• Shares Outstanding: 2,635,914
• 10 Day Avg. Volume: 769
• 30 Day Avg. Volume: 305
• PEG Ratio: 0.48
• Price to Book (P/B): 0.51
• Price to Sales (P/S): 0.54
• P/FCF Ratio: 0.82
• Enterprise Value/Market Cap: 2.14
• Enterprise Value/Revenue: 1.20
• Enterprise Value/Gross Profit: 2.48
• Enterprise Value/Ebitda: 15.48
• 1Y Price Target: $10.50
• Price Target Upside: 1.55% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 57 Neutral
• Price Target: $10.50 ▲(1.55% Upside)

Quaint Oak Bancorp's overall stock score reflects its financial challenges, with declining revenues and profitability being the most significant factors. The technical analysis suggests a neutral to slightly bearish trend, while the valuation is moderately attractive due to a reasonable P/E ratio and a good dividend yield. The absence of earnings call and corporate events data limits additional insights.

Quaint Oak Bancorp Business Overview & Revenue Model

Company Description

Quaint Oak Bancorp, Inc., through its subsidiary Quaint Oak Bank that operates as a chartered stock savings bank. The company operates in two segments, Banking and Mortgage Banking. It accepts deposits from the general public through various deposit programs, which include money market accounts, certificates of deposit, non-interest-bearing checking accounts for businesses and consumers, and savings accounts. The company also offers residential and commercial mortgages, construction loans, commercial business loans, home equity loans, and lines of credit; and mortgage banking, real estate sales, title abstract, and insurance services. It serves its customers through three regional banking offices located in the Delaware Valley, Lehigh Valley, and Philadelphia markets, as well as through correspondence, telephone, and online banking. The company was incorporated in 1926 and is headquartered in Southampton, Pennsylvania.

How the Company Makes Money

Quaint Oak Bancorp generates revenue primarily through interest income from loans and mortgages, which constitute a significant portion of its earnings. The bank issues various types of loans, including residential and commercial real estate loans, personal loans, and business loans, earning interest on these products. Additionally, the company earns non-interest income through fees associated with deposit accounts, transaction services, and other banking services. Key partnerships with local businesses and organizations help drive customer acquisition and retention, further enhancing revenue generation. The company's strategic focus on serving its community and maintaining a diversified loan portfolio also contributes to its financial performance.

Quaint Oak Bancorp Financial Statement Overview

Summary

Quaint Oak Bancorp faces financial challenges, with revenues and profitability declining. The income statement reveals significant drops in revenue and net profit margin. Despite a stronger balance sheet with improved debt management, the low equity ratio poses potential risks. Cash flow management has improved but declining operating cash flows are concerning.

Income Statement

Quaint Oak Bancorp's income statement reveals significant challenges, with total revenue declining from $43.1M in 2022 to $24.5M in 2024. The Gross Profit Margin has remained stable as Gross Profit equals Total Revenue, but the Net Profit Margin dropped from 18.2% in 2022 to 11.4% in 2024. The EBIT and EBITDA margins have also shown a downward trend, indicating deteriorating operational efficiency.

Balance Sheet

The balance sheet shows a stable equity base with Stockholders' Equity increasing from $44.8M in 2022 to $52.6M in 2024. The Debt-to-Equity Ratio has improved slightly from 3.9 in 2022 to 1.3 in 2024, indicating better leverage management. However, the Equity Ratio is relatively low, with equity making up only 7.7% of total assets in 2024, highlighting potential vulnerabilities.

Cash Flow

Quaint Oak Bancorp's cash flow statement is mixed, with Operating Cash Flow of $32.6M in 2024, down from $73.1M in 2023, reflecting cash management issues. Free Cash Flow grew from a negative position in 2022 to a positive $32.6M in 2024, suggesting improved capital efficiency. However, the Free Cash Flow to Net Income ratio indicates potential cash flow sustainability concerns.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	47.88M	50.11M	50.21M	51.88M	30.40M	17.49M
Gross Profit	23.16M	22.95M	24.53M	40.63M	30.40M	17.49M
EBITDA	3.71M	4.08M	4.50M	14.21M	9.87M	0.00
Net Income	1.82M	2.79M	2.02M	7.86M	6.40M	3.25M
Balance Sheet
Total Assets	670.76M	685.17M	754.12M	792.35M	554.12M	484.07M
Cash, Cash Equivalents and Short-Term Investments	50.13M	63.90M	62.26M	10.70M	22.66M	54.10M
Total Debt	77.53M	69.86M	50.98M	172.68M	57.13M	46.09M
Total Liabilities	618.50M	632.55M	702.55M	743.27M	517.21M	455.35M
Stockholders Equity	52.26M	52.62M	48.49M	44.79M	34.79M	28.73M
Cash Flow
Free Cash Flow	12.86M	32.61M	72.44M	-12.80M	-38.33M	-44.40M
Operating Cash Flow	12.75M	32.61M	73.13M	-12.24M	-37.39M	-43.76M
Investing Cash Flow	-3.58M	31.47M	25.93M	-218.01M	-33.70M	-113.16M
Financing Cash Flow	-35.85M	-59.10M	-50.72M	223.43M	47.88M	176.28M

Quaint Oak Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 10.34
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For QNTO, the sentiment is Positive. The current price of 10.34 is above the 20-day moving average (MA) of 10.31, above the 50-day MA of 10.26, and below the 200-day MA of 10.45, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 53.14 is Neutral, neither overbought nor oversold. The STOCH value of 23.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for QNTO.

Quaint Oak Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	69 Neutral	$42.78M	11.08	7.20%	3.68%	-2.93%	7.89%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ASRV	62 Neutral	$49.56M	13.40	3.45%	3.97%	6.06%	―
QNTO	57 Neutral	$26.89M	13.35	3.88%	4.22%	-14.80%	-0.33%
KFFB	52 Neutral	$31.94M	177.13	0.38%	3.03%	19.55%	―
GLBZ	49 Neutral	$13.63M	439.25	0.17%	2.12%	8.99%	-94.06%

Quaint Oak Bancorp Corporate Events

Quaint Oak Bancorp Declares Quarterly Dividend Reduction

On July 11, 2025, Quaint Oak Bancorp announced a quarterly cash dividend of $0.04 per share, declared on July 9, 2025, and payable on August 4, 2025, to shareholders recorded by July 21, 2025. The decision to reduce the dividend reflects the company’s strategy to enhance capital levels, strengthen liquidity, and reinvest in strategic initiatives for long-term success, indicating a focus on maintaining shareholder value and long-term profitability.