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Quaint Oak Bancorp (QNTO) AI Stock Analysis
Quaint Oak Bancorp
(Other OTC:QNTO)
The score is primarily constrained by weak profitability, limited growth visibility, and a high P/E ratio. Improved leverage, stronger recent earnings, supportive cash flow, and modestly positive technical momentum provide meaningful but insufficient offsets.
Quaint Oak Bancorp (QNTO) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $39.08M
- Dividend Yield
- 1.06%
- Average Volume (3M)
- 650
- Price to Earnings (P/E)
- 26.9
- Beta (1Y)
- -0.21
- Revenue Growth
- -1.24%
- EPS Growth
- -16.15%
- Country
- US
- Employees
- 134
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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: genera...
Quaint Oak Bancorp Financial Statement Overview
Summary
Financial performance is mixed: profitability and revenue remain weak, while reduced leverage, stronger equity, and currently supportive cash flow provide partial offsets.
Income Statement
41NeutralBalance Sheet
60NeutralCash Flow
52Neutral| 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
Price Trends
Market Momentum
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 14.87 is above the 20-day moving average (MA) of 14.47, above the 50-day MA of 14.36, and below the 200-day MA of 15.01, indicating a neutral trend. The MACD of 0.09 indicates Negative momentum. The RSI at 63.68 is Neutral, neither overbought nor oversold. The STOCH value of 75.93 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.
Latest Risks Added
0 New RisksQuaint Oak Bancorp Peers Comparison
Overall Rating
KFFB62Neutral- QNTO54Neutral
BAFN52Neutral
GLBZ52Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| KFFB | 62Neutral | $43.18M | 22.64 | 3.86% | 0.94% | 8.69% | 958.30% |
| QNTO | 54Neutral | $39.40M | 26.87 | 2.76% | 1.06% | -1.24% | -16.15% |
| BAFN | 52Neutral | $156.38M | -0.55 | -42.84% | ― | -40.59% | -260.03% |
| GLBZ | 52Neutral | $12.19M | -154.13 | -0.39% | ― | 17.13% | -395.56% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| QNTO | Quaint Oak Bancorp | 14.87 | 5.88 | 65.31% | |
| CARV | Carver Bancorp | 1.85 | -1.14 | -38.13% | |
| GLBZ | Glen Burnie | 4.17 | -0.52 | -10.98% | |
| KFFB | Kentucky First Federal | 5.34 | 1.39 | 35.29% | |
| BAFN | BayFirst Financial Corp | 5.80 | -3.50 | -37.63% | |
| MBBC | Marathon Bancorp, Inc. | 14.44 | 3.50 | 31.95% |
Quaint Oak Bancorp Corporate Events
Quaint Oak Bancorp Launches Senior Notes Repurchase Program
PositiveQuaint 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 income r...
Quaint Oak Bancorp Declares Quarterly Shareholder Dividend
PositiveOn 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 Novem...
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.
Date of analysis: Oct 28, 2026