A Business at a Glance
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QUAINT OAK BANCORP, INC.
QNTO
$38M
Mkt Cap
$14.20
+0.00%
QUAINT OAK BANCORP, INC. (QNTO) has a current P/E ratio of 13.1, compared to its historical median P/E of 9.6. The stock is currently considered Expensive based on its historical valuation range.
QUAINT OAK BANCORP, INC. (QNTO) has a 5-year average return on invested capital (ROIC) of 10.0%. This indicates solid capital allocation.
QUAINT OAK BANCORP, INC. (QNTO) has a market capitalization of $38M. It is classified as a small-cap stock.
Yes, QUAINT OAK BANCORP, INC. (QNTO) pays a dividend with a trailing twelve-month yield of 2.35%. The company also returns capital through share buybacks, with a buyback yield of 0.12%.
Based on historical P/E analysis, QUAINT OAK BANCORP, INC. (QNTO) appears expensive. The current P/E of 13.1 is 37% above its historical median of 9.6. The estimated fair value CAGR (P/E method) is -2.2%.
QUAINT OAK BANCORP, INC. (QNTO) operates in the Savings Institutions, Not Federally Chartered industry, within the Financials sector.
QUAINT OAK BANCORP, INC. (QNTO) reported annual revenue of $48 million in its most recent fiscal year, based on SEC EDGAR filings.
Quaint Oak Bancorp, Inc., a Pennsylvania corporation headquartered in Southampton, Pennsylvania, was organized in 2007 as the holding company for Quaint Oak Bank. Quaint Oak Bank, originally incorporated in 1926, converted from a Pennsylvania chartered building and loan association to a Pennsylvania chartered mutual savings bank named Quaint Oak Savings Bank in January 2000 and converted to a stock savings bank in July 2007. Following its mutual to stock conversion, Quaint Oak Bank shifted its focus to commercial and business customers. Quaint Oak Bank is headquartered in Southampton in Bucks County, Pennsylvania and operates through three banking locations: the main office location in Southampton, Pennsylvania and regional banking offices in Allentown, located in the Lehigh Valley area of Pennsylvania, and a Philadelphia, Pennsylvania location. The Bank also has a mortgage office in Philadelphia and an insurance agency in Southampton, Pennsylvania.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 48M | 48M | 52M | 50M | 52M | 37M |
| Net Income | 322K | 322K | 2.8M | 2.0M | 7.9M | 6.4M |
| EPS | $0.12 | $0.12 | $1.08 | $0.89 | $3.65 | $3.06 |
| Free Cash Flow | 3.5M | 3.5M | 31M | 78M | -13M | 37M |
| ROIC | 3.8% | 0.6% | 5.5% | 4.3% | 19.7% | 20.1% |
| Gross Margin | 0.0% | 0.0% | - | - | - | - |
| Debt/Equity | 0.18 | 0.18 | 0.00 | 0.13 | 0.12 | 0.00 |
| Dividends/Share | $0.33 | $0.34 | $0.52 | $0.52 | $0.50 | $0.42 |
| Operating Income | 644K | 644K | 3.4M | 3.6M | 13M | 9.3M |
| Operating Margin | 1.3% | 1.3% | 6.6% | 7.2% | 25.8% | 25.2% |
| ROE | 0.6% | 0.6% | 5.5% | 4.3% | 19.8% | 20.2% |
| Shares Outstanding | 3M | 3M | 3M | 2M | 2M | 2M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 9.3M | 10M | 12M | 14M | 16M | 19M | 23M | 37M | 52M | 50M | 52M | 48M | 48M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 3.4M | 4.0M | 4.5M | 5.5M | 6.4M | 6.9M | 8.4M | 16M | 20M | 14M | 15M | 15M | 15M |
| EBIT | 1.9M | 2.0M | 2.2M | 99K | 2.7M | 3.4M | 4.5M | 9.3M | 13M | 3.6M | 3.4M | 644K | 644K |
| Op. Margin | 20.9% | 19.1% | 19.0% | 0.7% | 16.6% | 18.0% | 19.7% | 25.2% | 25.8% | 7.2% | 6.6% | 1.3% | 1.3% |
| Net Income | 1.2M | 1.3M | 1.5M | 1.5M | 2.0M | 2.5M | 3.2M | 6.4M | 7.9M | 2.0M | 2.8M | 322K | 322K |
| Net Margin | 13.4% | 12.2% | 12.7% | 10.5% | 12.5% | 13.0% | 14.1% | 17.3% | 15.2% | 4.0% | 5.4% | 0.7% | 0.7% |
| Non-Recurring | 3K | 2K | 2K | 1K | 1K | 1K | 0 | 0 | 0 | 0 | 1.5M | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 6.2% | 6.9% | 7.5% | 6.8% | 7.4% | 8.6% | 11.9% | 20.1% | 19.7% | 4.3% | 5.5% | 0.6% | 3.8% |
| ROE | 7.2% | 6.9% | 7.5% | 6.8% | 8.7% | 10.0% | 11.9% | 20.2% | 19.8% | 4.3% | 5.5% | 0.6% | 0.6% |
| ROA | 0.9% | 0.7% | 0.7% | 0.6% | 0.8% | 0.9% | 0.8% | 1.2% | 1.2% | 0.3% | 0.4% | 0.0% | 0.0% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 66K | -1.2M | 2.3M | -420K | 4.9M | -1.9M | 44M | 37M | -12M | 78M | 33M | 4.2M | 4.2M |
| Free Cash Flow | -103K | -1.5M | 2.2M | -870K | 4.6M | -2.2M | 43M | 37M | -13M | 78M | 31M | 3.5M | 3.5M |
| Owner Earnings | -373K | -1.6M | 1.8M | -975K | 4.3M | -2.5M | 43M | 37M | -13M | 78M | 32M | 3.1M | 3.1M |
| CapEx | 169K | 377K | 80K | 450K | 272K | 368K | 364K | 619K | 560K | 688K | 1.2M | 649K | 649K |
| Maint. CapEx | 167K | 182K | 204K | 241K | 250K | 249K | 298K | 393K | 486K | 474K | 651K | 766K | 766K |
| Growth CapEx | 2K | 195K | 0 | 209K | 22K | 119K | 66K | 226K | 74K | 214K | 526K | 0 | 0 |
| D&A | 167K | 182K | 204K | 241K | 250K | 249K | 298K | 393K | 486K | 474K | 651K | 766K | 766K |
| CapEx/OCF | 256.1% | N/A | 3.5% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15.6% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 211K | 239K | 283K | 364K | 511K | 676K | 717K | 839K | 1.0M | 1.2M | 1.3M | 894K | 894K |
| Dividend Yield | 0.9% | 1.5% | 1.6% | 1.8% | 2.4% | 3.2% | 3.5% | 2.6% | 2.3% | 3.3% | 5.0% | N/A | 2.3% |
| Share Buybacks | 760K | 10K | 17K | 347K | 793K | 339K | 349K | 25K | 49K | 433K | 150K | 44K | 44K |
| Buyback Yield | 6.1% | 0.1% | 0.1% | 1.7% | 4.1% | 1.4% | 1.4% | 0.1% | 0.1% | 1.8% | 0.6% | 0.0% | 0.1% |
| Stock-Based Comp | 272K | 294K | 300K | 314K | 340K | 359K | 346K | 433K | 511K | 225K | 242K | 251K | 251K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | N/A | -25M | N/A | N/A | -15M | -1.8M | -54M | -65M | -44M | -44M |
| Cash & Equiv. | 14M | 17M | 9.3M | 7.9M | 26M | 15M | 34M | 11M | 4.4M | 58M | 63M | 54M | 54M |
| Long-Term Debt | N/A | N/A | N/A | N/A | 7.8M | N/A | N/A | 162K | 107K | 780K | 42K | 9.6M | 9.6M |
| Debt/Equity | 7.86 | 8.67 | 9.40 | 9.80 | 0.33 | 10.68 | 15.85 | 0.00 | 0.12 | 0.13 | 0.00 | 0.18 | 0.18 |
| Interest Coverage | 2.1 | 2.0 | 1.9 | 1.9 | 1.7 | 1.6 | 1.8 | 3.0 | 2.2 | 1.2 | 1.2 | 0.0 | 0.0 |
| Equity | 18M | 19M | 21M | 22M | 24M | 26M | 29M | 35M | 45M | 48M | 53M | 52M | 52M |
| Total Assets | 156M | 184M | 216M | 240M | 271M | 303M | 484M | 554M | 792M | 754M | 685M | 676M | 676M |
| Total Liabilities | 138M | 165M | 195M | 217M | 248M | 277M | 455M | 517M | 743M | 703M | 633M | 624M | 624M |
| Intangibles | N/A | N/A | 465K | 416K | 368K | 319K | 271K | 222K | 174K | 125K | 77K | 28K | 28K |
| Retained Earnings | 9.3M | 10M | 12M | 13M | 14M | 16M | 18M | 24M | 31M | 32M | 33M | 33M | 33M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | 463K | 421K | 514K | 600K | 1.0M | 1.9M | 3.4M | 6.0M | 9.6M | 2.4M | 5.4M | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 0.35 | 0.68 | 0.77 | 0.74 | 1.01 | 1.24 | 1.61 | 3.06 | 3.65 | 0.89 | 1.08 | 0.12 | 0.12 |
| Owner EPS | -0.10 | -0.88 | 0.93 | -0.49 | 2.15 | -1.23 | 21.39 | 17.46 | -6.14 | 34.22 | 12.26 | 1.17 | 1.17 |
| Book Value | 4.88 | 10.18 | 10.69 | 11.19 | 12.01 | 12.97 | 14.25 | 16.62 | 20.79 | 21.36 | 20.33 | 19.50 | 19.50 |
| Cash Flow/Share | 0.02 | -0.62 | 1.19 | -0.21 | 2.45 | -0.93 | 21.71 | 17.85 | -5.68 | 34.52 | 12.60 | 1.55 | 0.41 |
| Dividends/Share | 0.06 | 0.13 | 0.15 | 0.18 | 0.26 | 0.34 | 0.34 | 0.42 | 0.50 | 0.52 | 0.52 | 0.34 | 0.33 |
| Shares Out. | 3.6M | 1.9M | 1.9M | 2.0M | 2.0M | 2.0M | 2.0M | 2.1M | 2.2M | 2.3M | 2.6M | 2.7M | 2.7M |
| Valuation | |||||||||||||
| P/E Ratio | 10.1 | 13.3 | 12.1 | 13.9 | 9.5 | 9.6 | 7.8 | 5.5 | 5.4 | 11.9 | 9.7 | N/A | 118.3 |
| P/FCF | N/A | N/A | 8.1 | N/A | 4.2 | N/A | 0.6 | 1.0 | N/A | 0.3 | 0.9 | N/A | 10.9 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2.2 | N/A | N/A | N/A | -9.0 |
| Price/Book | 0.7 | 0.9 | 0.9 | 0.9 | 0.8 | 0.9 | 0.9 | 1.0 | 1.0 | 0.5 | 0.5 | N/A | 0.7 |
| Price/Sales | 1.5 | 1.9 | 1.9 | 1.8 | 1.7 | 1.5 | 1.2 | 1.0 | 1.0 | 1.4 | 1.0 | N/A | 0.8 |
| FCF Yield | -0.8% | -9.1% | 12.3% | -4.3% | 24.0% | -9.4% | 171.4% | 104.5% | -30.1% | 323.3% | 115.5% | N/A | 9.2% |
| Market Cap | 13M | 17M | 18M | 20M | 19M | 24M | 25M | 35M | 43M | 24M | 27M | 0 | 38M |
| Avg. Price | 6.46 | 8.36 | 9.16 | 10.04 | 10.57 | 10.51 | 10.05 | 15.29 | 20.18 | 15.61 | 10.29 | 0.00 | 14.20 |
| Year-End Price | 6.95 | 9.07 | 9.31 | 10.32 | 9.64 | 11.88 | 12.56 | 16.80 | 19.77 | 10.59 | 10.51 | 0.00 | 14.20 |
QUAINT OAK BANCORP, INC. passes 3 of 9 quality checks, indicating weak fundamentals.
QUAINT OAK BANCORP, INC. trades at 13.1x trailing earnings, compared to its 15-year median P/E of 9.6x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 1.1x vs a median of 0.9x. The company's 5-year average ROIC is 10.0%. Total shareholder yield (dividends + buybacks) is 2.5%. At current prices, the estimated annualized return to fair value is +70.8%.
QUAINT OAK BANCORP, INC. (QNTO) has a net profit margin of 0.7%. This is a modest margin.
QUAINT OAK BANCORP, INC. (QNTO) generated $4 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
QUAINT OAK BANCORP, INC. (QNTO) has a debt-to-equity ratio of 0.18. This indicates a conservatively financed balance sheet.
QUAINT OAK BANCORP, INC. (QNTO) reported earnings per share (EPS) of $0.12 in its most recent fiscal year.
QUAINT OAK BANCORP, INC. (QNTO) has a return on equity (ROE) of 0.6%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for QUAINT OAK BANCORP, INC. (QNTO), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
QUAINT OAK BANCORP, INC. (QNTO) has a book value per share of $19.50, based on its most recent annual SEC filing.
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