QNTO
Quaint Oak Bancorp, Inc.
Price Chart
Latest Quote
$16.85
+0.00 (+0.00%)
Current Price
| Previous Close | $16.85 |
| Open | $16.45 |
| Day High | $16.85 |
| Day Low | $16.16 |
| Volume | 300 |
Stock Information
| Quarterly Dividend / Yield | $0.16 / 0.95% |
| Shares Outstanding | 2.64M |
| Quarterly Dividend Yield | 0.95% |
| Quarterly Dividend | $0.16 |
| Total Debt | $17.66M |
| Cash Equivalents | $45.58M |
| Revenue | $24.79M |
| Net Income | $571K |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $44.54M |
| P/E Ratio | 80.24 |
| EPS (TTM) | $0.21 |
| Exchange | OQB |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $15.98M |
| Sales | $24.79M |
| Income | $571K |
| Book/sh | $20.13 |
| Cash/sh | $17.24 |
| Employees | 134 |
Financial Ratios
Returns & Margins
| ROA | 0.09% |
| ROE | 1.09% |
| Operating Margin | 7.22% |
| Profit Margin | 2.30% |
Ownership
| Insider Ownership | 39.81% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 1.80 |
| P/B | 0.84 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $16.93 |
| SMA50 | $16.81 |
| SMA200 | $12.99 |
| RSI | 56.52 |
| ATR | 0.1600 |
| Shares Float | 1.61M |
| Volatility | -0.08 |
Performance History
| Week | +0.00% |
| Month | -4.21% |
| Quarter | +10.69% |
| 6 Months | +63.30% |
| YTD | +47.40% |
| Year | +56.01% |
| 3 Years | +7.48% |
| 5 Years | +7.38% |
| 10 Years | +87.32% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-16 | $16.85 | 0 |
| 2026-06-15 | $16.85 | 0 |
| 2026-06-12 | $16.85 | 0 |
| 2026-06-11 | $16.85 | 0 |
| 2026-06-10 | $16.85 | 0 |
| 2026-06-09 | $16.85 | 0 |
| 2026-06-08 | $16.85 | 0 |
| 2026-06-05 | $16.85 | 0 |
| 2026-06-04 | $16.85 | 1,500 |
| 2026-06-03 | $16.50 | 5,600 |
| 2026-06-02 | $16.60 | 0 |
| 2026-06-01 | $16.60 | 1,700 |
| 2026-05-29 | $17.00 | 0 |
| 2026-05-28 | $17.00 | 400 |
| 2026-05-27 | $16.70 | 18,000 |
| 2026-05-26 | $16.85 | 11,400 |
| 2026-05-22 | $17.35 | 400 |
| 2026-05-21 | $17.44 | 0 |
| 2026-05-20 | $17.44 | 200 |
| 2026-05-19 | $17.39 | 5,200 |
| 2026-05-18 | $17.50 | 900 |
About Quaint Oak Bancorp, Inc.
Quaint Oak Bancorp, Inc. operates as the holding company for Quaint Oak Bank that provides banking products and services in Pennsylvania. It offers deposit products, such as money market, certificates of deposit, interest-bearing business checking accounts, non-interest-bearing business and consumer checking, and savings accounts. The company also provides commercial real estate, commercial business, one-to-four family residential non-owner and owner-occupied, multi-family residential loans, construction, and home equity loans, as well as multi-state equipment financing services. In addition, it conducts mortgage banking, multi-state specialty commercial real estate financing, title abstract, and insurance businesses. The company was incorporated in 1926 and is headquartered in Southampton, Pennsylvania.
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $24,488,000 | $24,686,000 | $43,100,000 | $32,602,000 |
| Operating Revenue | $24,488,000 | $24,686,000 | $43,100,000 | $32,602,000 |
| Expenses | ||||
| Interest Expense | $25,620,000 | $25,527,000 | $8,777,000 | $4,375,000 |
| Selling And Marketing Expense | $302,000 | $283,000 | $568,000 | $351,000 |
| General And Administrative Expense | $15,451,000 | $15,033,000 | $21,081,000 | $16,121,000 |
| Professional Expense And Contract Services Expense | $769,000 | $932,000 | $748,000 | $659,000 |
| Other Non Interest Expense | $3,029,000 | $2,964,000 | $2,910,000 | $2,286,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $2,389,000 | $2,282,000 | $7,863,000 | $6,404,000 |
| Net Interest Income | $17,817,000 | $19,394,000 | $23,689,000 | $20,620,000 |
| Interest Income | $43,437,000 | $44,921,000 | $32,466,000 | $24,995,000 |
| Normalized Income | $1,346,530 | $2,282,000 | $7,863,000 | $6,457,469 |
| Net Income From Continuing And Discontinued Operation | $2,795,000 | $2,020,000 | $7,863,000 | $6,404,000 |
| Net Income Common Stockholders | $2,795,000 | $2,020,000 | $7,863,000 | $6,404,000 |
| Net Income | $2,795,000 | $2,020,000 | $7,863,000 | $6,404,000 |
| Net Income Including Noncontrolling Interests | $2,795,000 | $2,020,000 | $10,311,000 | $6,822,000 |
| Net Income Discontinuous Operations | $406,000 | $-262,000 | - | - |
| Net Income Continuous Operations | $2,389,000 | $2,282,000 | $10,311,000 | $6,822,000 |
| Pretax Income | $3,421,000 | $3,612,000 | $13,365,000 | $9,314,000 |
| Special Income Charges | $1,485,000 | $0 | - | - |
| Depreciation Amortization Depletion Income Statement | $49,000 | $49,000 | $49,000 | $49,000 |
| Depreciation And Amortization In Income Statement | $49,000 | $49,000 | $49,000 | $49,000 |
| Amortization Of Intangibles Income Statement | $49,000 | $49,000 | $49,000 | $49,000 |
| Per Share | ||||
| Diluted EPS | $1.08 | $0.89 | $3.65 | $3.06 |
| Basic EPS | $1.08 | $0.90 | $3.85 | $3.21 |
| Other | ||||
| Tax Effect Of Unusual Items | $442,530 | $0 | $0 | $-19,531 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $1,485,000 | $0 | $0 | $-73,000 |
| Total Unusual Items Excluding Goodwill | $1,485,000 | $0 | $0 | $-73,000 |
| Reconciled Depreciation | $661,000 | $886,000 | $845,000 | $557,000 |
| Diluted Average Shares | $2,578,804 | $2,275,034 | $2,152,889 | $2,093,108 |
| Basic Average Shares | $2,578,804 | $2,254,444 | $2,042,740 | $1,995,468 |
| Diluted NI Availto Com Stockholders | $2,795,000 | $2,020,000 | $7,863,000 | $6,404,000 |
| Tax Provision | $1,032,000 | $1,330,000 | $3,054,000 | $2,492,000 |
| Other Special Charges | $-1,485,000 | - | - | - |
| Amortization | $49,000 | $49,000 | $49,000 | $49,000 |
| Selling General And Administration | $15,753,000 | $15,316,000 | $21,649,000 | $16,472,000 |
| Insurance And Claims | $614,000 | $867,000 | $658,000 | $331,000 |
| Salaries And Wages | $14,837,000 | $14,166,000 | $20,423,000 | $15,790,000 |
| Occupancy And Equipment | $1,418,000 | $1,656,000 | $1,904,000 | $1,621,000 |
| Minority Interests | - | $350,000 | $-2,448,000 | $-418,000 |
| Gain On Sale Of Security | - | - | $0 | $362,000 |
| Other Gand A | - | - | - | $901,000 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $52,025,000 | $47,851,000 | $42,046,000 | $31,994,000 |
| Total Assets | $685,168,000 | $754,118,000 | $792,350,000 | $554,115,000 |
| Goodwill And Other Intangible Assets | $592,000 | $640,000 | $2,747,000 | $2,795,000 |
| Other Intangible Assets | $77,000 | $125,000 | $174,000 | $222,000 |
| Receivables | $3,961,000 | $3,502,000 | $3,462,000 | $3,139,000 |
| Accounts Receivable | $3,961,000 | $3,502,000 | $3,462,000 | $3,139,000 |
| Cash And Cash Equivalents | $63,901,000 | $59,918,000 | $7,726,000 | $18,629,000 |
| Cash Cash Equivalents And Federal Funds Sold | $63,901,000 | $59,918,000 | $7,726,000 | $18,629,000 |
| Prepaid Assets | - | - | $6,757,000 | $4,762,000 |
| Debt | ||||
| Net Debt | $5,954,000 | - | $164,951,000 | $38,497,000 |
| Total Debt | $69,855,000 | $50,979,000 | $172,677,000 | $57,126,000 |
| Long Term Debt And Capital Lease Obligation | $24,855,000 | $50,979,000 | $73,988,000 | $31,126,000 |
| Long Term Debt | $24,855,000 | $50,979,000 | $73,988,000 | $31,126,000 |
| Current Debt And Capital Lease Obligation | $45,000,000 | $0 | $98,689,000 | $26,000,000 |
| Current Debt | $45,000,000 | $0 | $98,689,000 | $26,000,000 |
| Other Current Borrowings | $45,000,000 | $0 | $98,689,000 | $26,000,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $632,551,000 | $702,553,000 | $743,268,000 | $517,206,000 |
| Payables And Accrued Expenses | $937,000 | $541,000 | $584,000 | $174,000 |
| Payables | $937,000 | $541,000 | $584,000 | $174,000 |
| Accounts Payable | $937,000 | $541,000 | $584,000 | $174,000 |
| Equity | ||||
| Common Stock Equity | $52,617,000 | $48,491,000 | $44,793,000 | $34,789,000 |
| Total Equity Gross Minority Interest | $52,617,000 | $51,565,000 | $49,082,000 | $36,909,000 |
| Stockholders Equity | $52,617,000 | $48,491,000 | $44,793,000 | $34,789,000 |
| Gains Losses Not Affecting Retained Earnings | $0 | $-10,000 | $-24,000 | $23,000 |
| Retained Earnings | $33,198,000 | $31,741,000 | $30,875,000 | $24,030,000 |
| Other Equity Adjustments | - | $-10,000 | $-24,000 | $23,000 |
| Other | ||||
| Treasury Shares Number | $482,458 | $488,627 | $609,637 | $765,937 |
| Ordinary Shares Number | $2,626,535 | $2,407,048 | $2,167,613 | $2,011,313 |
| Share Issued | $3,108,993 | $2,895,675 | $2,777,250 | $2,777,250 |
| Tangible Book Value | $52,025,000 | $47,851,000 | $42,046,000 | $31,994,000 |
| Invested Capital | $122,472,000 | $99,470,000 | $217,470,000 | $91,915,000 |
| Total Capitalization | $77,472,000 | $99,470,000 | $118,781,000 | $65,915,000 |
| Minority Interest | $0 | $3,074,000 | $4,289,000 | $2,120,000 |
| Treasury Stock | $3,588,000 | $3,568,000 | $3,992,000 | $4,977,000 |
| Additional Paid In Capital | $22,976,000 | $20,299,000 | $17,906,000 | $15,685,000 |
| Capital Stock | $31,000 | $29,000 | $28,000 | $28,000 |
| Common Stock | $31,000 | $29,000 | $28,000 | $28,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $1,666,000 | $2,341,000 | $2,970,000 | $4,033,000 |
| Available For Sale Securities | $1,666,000 | $2,341,000 | - | - |
| Goodwill | $515,000 | $515,000 | $2,573,000 | $2,573,000 |
| Net PPE | $1,626,000 | $2,656,000 | $2,775,000 | $2,653,000 |
| Accumulated Depreciation | $-2,876,000 | $-3,001,000 | $-2,677,000 | $-2,208,000 |
| Gross PPE | $4,502,000 | $5,657,000 | $5,452,000 | $4,861,000 |
| Leases | $605,000 | $641,000 | $649,000 | $584,000 |
| Machinery Furniture Equipment | $3,897,000 | $3,143,000 | $2,892,000 | $2,417,000 |
| Buildings And Improvements | $0 | $1,581,000 | $1,619,000 | $1,568,000 |
| Land And Improvements | $0 | $292,000 | $292,000 | $292,000 |
| Other Short Term Investments | - | $2,341,000 | $2,970,000 | $4,033,000 |
| Current Accrued Expenses | - | - | $9,573,000 | $5,989,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $32,611,000 | $77,874,000 | $-12,798,000 | $-38,330,000 |
| Operating Activities | ||||
| Operating Cash Flow | $32,611,000 | $78,360,000 | $-12,238,000 | $-37,361,000 |
| Cash From Discontinued Operating Activities | $32,350,000 | $77,977,000 | - | - |
| Cash Flow From Continuing Operating Activities | $261,000 | $383,000 | $-12,238,000 | $-37,361,000 |
| Operating Gains Losses | $-5,637,000 | $-3,088,000 | $-12,810,000 | $-8,390,000 |
| Investing Activities | ||||
| Investing Cash Flow | $31,474,000 | $25,934,000 | $-218,007,000 | $-33,729,000 |
| Cash From Discontinued Investing Activities | $0 | $0 | - | - |
| Cash Flow From Continuing Investing Activities | $31,474,000 | $25,934,000 | $-218,007,000 | $-33,729,000 |
| Net Other Investing Changes | $-740,000 | $5,127,000 | $-4,423,000 | $50,000 |
| Capital Expenditure | - | $-486,000 | $-560,000 | $-969,000 |
| Capital Expenditure Reported | - | - | $0 | $-350,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-150,000 | $-433,000 | $-49,000 | $-25,000 |
| Issuance Of Capital Stock | $2,567,000 | $1,934,000 | $2,483,000 | $96,000 |
| Financing Cash Flow | $-59,102,000 | $-50,721,000 | $223,433,000 | $47,882,000 |
| Cash Flow From Continuing Financing Activities | $-59,102,000 | $-50,721,000 | $223,433,000 | $47,882,000 |
| Net Other Financing Charges | $-609,000 | $-298,000 | $1,051,000 | $370,000 |
| Cash Dividends Paid | $-1,338,000 | $-1,154,000 | $-1,018,000 | $-839,000 |
| Common Stock Dividend Paid | $-1,338,000 | $-1,154,000 | $-1,018,000 | $-839,000 |
| Net Common Stock Issuance | $2,417,000 | $1,501,000 | $2,434,000 | $71,000 |
| Common Stock Issuance | $2,567,000 | $1,934,000 | $2,483,000 | $96,000 |
| Other | ||||
| Repayment Of Debt | $-26,167,000 | $-57,000,000 | $-36,171,000 | $-70,128,000 |
| Issuance Of Debt | $42,000 | $33,742,000 | $82,105,000 | $26,000,000 |
| Interest Paid Supplemental Data | $25,224,000 | $25,785,000 | $8,367,000 | $4,563,000 |
| Income Tax Paid Supplemental Data | $840,000 | $2,659,000 | $2,900,000 | $2,293,000 |
| End Cash Position | $62,989,000 | $58,006,000 | $3,893,000 | $10,705,000 |
| Beginning Cash Position | $58,006,000 | $4,433,000 | $10,705,000 | $33,913,000 |
| Changes In Cash | $4,983,000 | $53,573,000 | $-6,812,000 | $-23,208,000 |
| Proceeds From Stock Option Exercised | $0 | $1,092,000 | $261,000 | $87,000 |
| Common Stock Payments | $-150,000 | $-433,000 | $-49,000 | $-25,000 |
| Net Issuance Payments Of Debt | $18,875,000 | $-123,458,000 | $118,623,000 | $-44,128,000 |
| Net Short Term Debt Issuance | $45,000,000 | $-100,200,000 | $72,689,000 | $5,111,000 |
| Net Long Term Debt Issuance | $-26,125,000 | $-23,258,000 | $45,934,000 | $-49,239,000 |
| Long Term Debt Payments | $-26,167,000 | $-57,000,000 | $-36,171,000 | $-49,239,000 |
| Long Term Debt Issuance | $42,000 | $33,742,000 | $82,105,000 | $0 |
| Net Investment Purchase And Sale | $688,000 | $645,000 | $1,004,000 | $6,928,000 |
| Sale Of Investment | $688,000 | $645,000 | $1,004,000 | $6,928,000 |
| Net Business Purchase And Sale | $4,300,000 | $0 | $0 | $1,259,000 |
| Sale Of Business | $4,300,000 | $0 | $0 | $1,259,000 |
| Net PPE Purchase And Sale | $1,914,000 | $-486,000 | $-560,000 | $-619,000 |
| Change In Working Capital | $122,000 | $-1,526,000 | $1,584,000 | $3,147,000 |
| Change In Payables And Accrued Expense | $3,341,000 | $-1,116,000 | $3,992,000 | $1,629,000 |
| Change In Accrued Expense | $2,946,000 | $-1,638,000 | $3,582,000 | $1,891,000 |
| Change In Payable | $395,000 | $522,000 | $410,000 | $-262,000 |
| Change In Account Payable | $395,000 | $522,000 | $410,000 | $-262,000 |
| Change In Prepaid Assets | $-2,760,000 | $-370,000 | $-2,085,000 | $1,603,000 |
| Change In Receivables | $-459,000 | $-40,000 | $-323,000 | $-85,000 |
| Changes In Account Receivables | $-459,000 | $-40,000 | $-323,000 | $-85,000 |
| Other Non Cash Items | $675,000 | $1,922,000 | $-12,988,000 | $-36,813,000 |
| Stock Based Compensation | $242,000 | $225,000 | $511,000 | $433,000 |
| Deferred Tax | $97,000 | $351,000 | $-222,000 | $-336,000 |
| Deferred Income Tax | $97,000 | $351,000 | $-222,000 | $-336,000 |
| Depreciation Amortization Depletion | $661,000 | $886,000 | $845,000 | $557,000 |
| Depreciation And Amortization | $661,000 | $886,000 | $845,000 | $557,000 |
| Amortization Cash Flow | $59,000 | $461,000 | $408,000 | $49,000 |
| Amortization Of Intangibles | $59,000 | $461,000 | $408,000 | $49,000 |
| Depreciation | $602,000 | $425,000 | $437,000 | $508,000 |
| Gain Loss On Sale Of PPE | $-1,485,000 | $0 | - | - |
| Net Income From Continuing Operations | $2,795,000 | $2,020,000 | $10,311,000 | $6,822,000 |
| Purchase Of PPE | - | $-688,000 | $-560,000 | $-619,000 |
| Short Term Debt Payments | - | - | $-131,300,000 | $-20,889,000 |
| Short Term Debt Issuance | - | - | $203,989,000 | $26,000,000 |
| Purchase Of Investment | - | - | - | $0 |
| Asset Impairment Charge | - | - | - | $0 |
Fetched: 2026-02-02