Quaint Oak Bancorp (QNTO) AI Stock Analysis

• Market Cap: $27.90M
• Dividend Yield: 4.9%
• Average Volume (3M): 174.00
• Price to Earnings (P/E): 9.8
• Beta (1Y): 0.04
• Revenue Growth: -14.71%
• EPS Growth: 22.87%
• Country: US
• Employees: 131
• Sector: Financial
• Sector Strength: 88
• Industry: Banks - Regional
• EPS (TTM): 1.09
• Shares Outstanding: 2,627,323
• 10 Day Avg. Volume: 211
• 30 Day Avg. Volume: 174
• PEG Ratio: 0.43
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.38
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: 0.67
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Quaint Oak Bancorp's overall stock score reflects its mixed financial performance with declining revenues and profitability. While the balance sheet shows improved leverage, the low equity ratio indicates potential vulnerabilities. The technical analysis suggests stability, but without a clear upward trend. The valuation is appealing due to a low P/E ratio and high dividend yield. The recent dividend announcement supports shareholder value, but strategic improvements are needed for long-term growth.

Quaint Oak Bancorp Business Overview & Revenue Model

Company Description

Quaint Oak Bancorp (QNTO) is a bank holding company headquartered in Southampton, Pennsylvania. It operates primarily through its wholly-owned subsidiary, Quaint Oak Bank, which provides a range of financial services. These services include personal and commercial banking, mortgage banking, and real estate investment. The company focuses on serving the needs of individuals, small businesses, and community-oriented entities within its regional market. Quaint Oak Bancorp emphasizes personalized customer service and community involvement as central components of its business model.

How the Company Makes Money

Quaint Oak Bancorp generates revenue through multiple streams primarily centered around its banking services. The company earns interest income from loans extended to individual and commercial clients, including residential and commercial real estate loans, construction loans, and lines of credit. Additionally, the bank collects fees and service charges for account maintenance, transaction processing, and other banking services. Another significant revenue stream comes from Quaint Oak Mortgage, a division of Quaint Oak Bank, which originates residential mortgages, generating income through origination fees and the sale of these loans in the secondary market. The company also benefits from its real estate subsidiary, which earns revenue through property sales and management. Strategic partnerships and community relationships further enhance its market presence and contribute to its financial performance.

Quaint Oak Bancorp Financial Statement Overview

Summary

Quaint Oak Bancorp's financial performance indicates revenue growth and improving net income, but concerns exist regarding operational efficiency and high leverage. The balance sheet shows significant leverage, while cash flow management has improved recently. Focus on operational margins and debt management could enhance financial strength.

Income Statement

Quaint Oak Bancorp's income statement shows mixed results. The TTM (Trailing-Twelve-Months) revenue grew significantly from the previous year. However, the profitability metrics like EBIT and EBITDA margins are weak, with EBIT even negative, indicating operational challenges. The net profit margin is positive and improved slightly, suggesting some control over bottom-line costs.

Balance Sheet

The balance sheet reflects a high debt-to-equity ratio, indicating significant leverage which could pose a financial risk. Stockholders' equity has grown, but at a slower pace compared to liabilities. The equity ratio is low, suggesting a reliance on liabilities for asset financing. Return on equity has improved but remains modest.

Cash Flow

Cash flow analysis presents a positive trajectory with strong TTM operating cash flow. Free cash flow has also shown improvement, signaling better cash management. However, past periods of negative free cash flow indicate potential volatility in cash generation. The ratio of operating cash flow to net income is healthy, suggesting efficient cash conversion.

Breakdown
Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
33.49M	43.10M	32.60M	17.49M	13.64M
	Gross Profit
57.46M	43.10M	32.60M	17.49M	13.64M
	EBIT
3.81M	19.69M	8.90M	4.54M	3.43M
	EBITDA
1.60M	11.07M	7.34M	4.98M	3.77M
	Net Income Common Stockholders
2.02M	7.86M	6.40M	3.25M	2.48M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
62.13M	10.70M	22.66M	54.10M	32.35M
	Total Assets
754.12M	792.35M	554.12M	484.07M	302.54M
	Total Debt
56.53M	172.68M	57.13M	46.09M	44.14M
	Net Debt
-7.51M	164.95M	38.50M	2.72M	19.41M
	Total Liabilities
702.55M	743.27M	517.21M	455.35M	276.63M
	Stockholders Equity
48.49M	44.79M	34.79M	28.73M	25.91M
Cash Flow		Free Cash Flow
72.44M	-12.80M	-38.33M	-44.40M	-2.62M
	Operating Cash Flow
73.13M	-12.24M	-37.39M	-43.76M	-1.85M
	Investing Cash Flow
25.93M	-218.01M	-33.70M	-113.16M	-36.85M
	Financing Cash Flow
-40.83M	223.43M	47.88M	176.28M	27.24M

Quaint Oak Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 10.62
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• 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 10.62 is above the 20-day moving average (MA) of 10.58, above the 50-day MA of 10.61, and above the 200-day MA of 10.46, indicating a bullish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 51.30 is Neutral, neither overbought nor oversold. The STOCH value of 76.69 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	76 Outperform	$40.73M	12.00	6.24%	4.00%	1.27%	-27.46%
Sector *	64 Neutral	$12.64B	9.74	8.05%	17044.60%	12.66%	-4.62%
QNTO	58 Neutral	$27.90M	9.80	6.69%	4.90%	-14.71%	22.87%
ASRV	55 Neutral	$40.31M	11.15	3.36%	4.92%	7.80%	―
GLBZ	52 Neutral	$15.40M	165.15	-0.60%	7.53%	13.39%	-107.74%
KFFB	48 Neutral	$21.19M	―	-2.44%	3.03%	26.21%	-239.03%

Quaint Oak Bancorp Corporate Events

Quaint Oak Bancorp Declares Quarterly Dividend Announcement

On April 10, 2025, Quaint Oak Bancorp, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.13 per share on April 9, 2025. This dividend is scheduled to be paid on May 5, 2025, to shareholders who are recorded as of April 21, 2025. This announcement reflects the company’s ongoing commitment to providing shareholder value and may positively impact investor sentiment.

Spark’s Take on QNTO Stock

According to Spark, TipRanks’ AI Analyst, QNTO is a Neutral.

Quaint Oak Bancorp shows mixed financial performance with declining revenues and profitability. However, improved leverage and consistent dividend payments offer some reassurance. The stock’s valuation appears attractive, but technical indicators lack a clear trend.

To see Spark’s full report on QNTO stock, click here.

Quaint Oak Bancorp Appoints New President William Gonzalez

On February 12, 2025, Quaint Oak Bancorp’s Board appointed William R. Gonzalez as President, effective immediately, and as a Board member with a term expiring in 2026. Gonzalez has been with the company in various roles since 2020. Concurrently, the company entered into renewed employment agreements with key executives, including Gonzalez, Robert T. Strong, John J. Augustine, and Aimee K. Ott, outlining salaries, bonuses, and terms of employment, including severance arrangements in the event of a change in control.