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Quaint Oak Bancorp
(OTC:QNTO)
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Rating:47Neutral
Price Target:
$14.50
â–²(2.84% Upside)
Action:Reiterated
Date:10/28/26
The score is held down primarily by weak financial performance (sharp recent revenue decline and very thin margins) and a stretched valuation (high P/E with only a modest yield). Offsetting factors include improved leverage on the balance sheet, mildly positive near-term technicals, and supportive corporate actions (notes repurchase program and continued dividends), though credit-quality risk remains a notable overhang.
Positive Factors
Profitability rebound
The return to quarterly and year-to-date profitability indicates that prior earnings pressure is easing. Lower funding costs, stronger margins, and increased noninterest income provide multiple drivers for improved earnings capacity over the next several quarters.
Negative Factors
Weak revenue and margins
The sharp TTM revenue contraction and very thin net margin show that current earnings power remains fragile despite the latest rebound. Limited profitability leaves less room to absorb higher expenses, credit costs, or renewed pressure on funding and loan economics.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability rebound
The return to quarterly and year-to-date profitability indicates that prior earnings pressure is easing. Lower funding costs, stronger margins, and increased noninterest income provide multiple drivers for improved earnings capacity over the next several quarters.
Read all positive factors
Quaint Oak Bancorp (QNTO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$39.07M
Dividend Yield1.07%
Average Volume (3M)121.00
Price to Earnings (P/E)26.9
Beta (1Y)-0.21
Revenue Growth-1.24%
EPS Growth-16.15%
CountryUS
Employees134
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.29
Shares Outstanding2,649,603
10 Day Avg. Volume253
30 Day Avg. Volume121
Financial Highlights & Ratios
PEG Ratio-1.08
Price to Book (P/B)0.58
Price to Sales (P/S)0.63
P/FCF Ratio8.65
Enterprise Value/Market Cap-0.04
Enterprise Value/Revenue-0.03
Enterprise Value/Gross Profit-0.07
Enterprise Value/Ebitda-0.12
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Quaint Oak Bancorp Business Overview & Revenue Model
Company Description
Quaint Oak Bancorp, Inc. is a financial institution that primarily conducts its business through its subsidiary, Quaint Oak Bank, which functions as a chartered stock savings bank. The company's operations are segmented into two key divisions: gen...
Quaint Oak Bancorp Financial Statement Overview
Summary
Income Statement
36
Negative
Balance Sheet
58
Neutral
Cash Flow
41
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 47.48M | 47.79M | 50.11M | 50.21M | 51.88M | 36.98M |
| Gross Profit | 25.16M | 23.84M | 22.95M | 24.53M | 40.63M | 30.40M |
| EBITDA | 13.29M | 1.80M | 4.08M | 4.50M | 14.21M | 9.87M |
| Net Income | 780.00K | 322.00K | 2.79M | 2.02M | 7.86M | 6.40M |
Balance Sheet | ||||||
| Total Assets | 630.34M | 675.85M | 685.17M | 754.12M | 792.35M | 554.12M |
| Cash, Cash Equivalents and Short-Term Investments | 48.87M | 54.43M | 63.90M | 62.26M | 10.70M | 22.66M |
| Total Debt | 17.71M | 21.78M | 69.86M | 50.98M | 172.68M | 57.13M |
| Total Liabilities | 577.37M | 623.52M | 632.55M | 702.55M | 743.27M | 517.21M |
| Stockholders Equity | 52.97M | 52.33M | 52.62M | 48.49M | 44.79M | 34.79M |
Cash Flow | ||||||
| Free Cash Flow | 18.30M | 3.50M | 32.61M | 77.87M | -12.80M | -38.33M |
| Operating Cash Flow | 18.16M | 4.15M | 32.61M | 78.36M | -12.24M | -37.36M |
| Investing Cash Flow | 22.96M | -3.89M | 31.47M | 25.93M | -218.01M | -33.73M |
| Financing Cash Flow | -41.76M | -9.70M | -59.10M | -50.72M | 223.43M | 47.88M |
Quaint Oak Bancorp Technical Analysis
Positive
14.10
Price Trends
14.35
Positive
14.69
Positive
14.99
Negative
Market Momentum
0.07
Negative
60.28
Neutral
64.07
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 14.1 is below the 20-day moving average (MA) of 14.45, below the 50-day MA of 14.35, and below the 200-day MA of 14.99, indicating a neutral trend. The MACD of 0.07 indicates Negative momentum. The RSI at 60.28 is Neutral, neither overbought nor oversold. The STOCH value of 64.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for QNTO.
Quaint Oak Bancorp Risk Analysis
Quaint Oak Bancorp disclosed 36 risk factors in its most recent earnings report. Quaint Oak Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Quaint Oak Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $43.64M | 22.88 | 3.86% | 0.93% | 8.69% | 958.30% | |
52 Neutral | $11.97M | -78.26 | -0.75% | 8.71% | 13.37% | -600.93% | |
48 Neutral | $166.36M | -0.60 | -42.84% | 124.80% | -35.76% | -909.39% | |
47 Neutral | $39.07M | 26.87 | 2.76% | 1.07% | -1.24% | -16.15% |
* Financial Sector Average
QNTO
Quaint Oak Bancorp
14.75
5.83
65.38%
CARV
Carver Bancorp
1.85
-0.92
-33.21%
GLBZ
Glen Burnie Bancorp
4.10
-0.51
-11.06%
KFFB
Kentucky First Federal Bancorp
5.40
1.48
37.75%
BAFN
BayFirst Financial Corp
6.17
-2.93
-32.20%
MBBC
Marathon Bancorp
14.56
3.66
33.58%
Quaint Oak Bancorp Corporate Events
Business Operations and StrategyStock BuybackFinancial Disclosures
Quaint Oak Bancorp Launches Senior Notes Repurchase Program
Positive
Oct 27, 2026
Quaint Oak Bancorp, Inc. reported a sharp turnaround in performance for the quarter ended Sept. 30, 2026, posting net income of $635,000, or $0.24 per share, versus a net loss of $41,000 a year earlier. For the first nine months of 2026, net incom...
Dividends
Quaint Oak Bancorp Declares Quarterly Shareholder Dividend
Positive
Oct 15, 2026
On October 15, 2026, Quaint Oak Bancorp, Inc., the OTCQB-listed holding company for Quaint Oak Bank, announced that its board had declared a quarterly cash dividend of $0.04 per share on October 14, 2026. The dividend is scheduled to be paid on No...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.