QUAINT OAK BANCORP, INC.

QNTO

QUAINT OAK BANCORP, INC.

QNTO

Insider Sentiment (TTM):

Last Purchase:2026-05-26Last Sale:2025-01-16Shares Purchased (TTM):5,778Shares Sold (TTM):0

Institutional Sentiment:

As of:2017-12-31Institutional Shares Owned:40,950Shares Outstanding:1,857,457Institutional Ownership Pct.:2.20%

Earnings Market Reaction:

Filing Date:2026-08-14Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Due From Banks	1	3	2	1	0	1	0	0	6	1	1	0
Assets
Interest Bearing Deposits In Banks	47	42	52	51	49	48	63	61	70	146	57	10
Cash And Cash Equivalents At Carrying Value	48	45	54	52	49	49	63	61	76	146	58	11
Certificates Of Deposit At Carrying Value	-	-	-	1	1	-	-	-	-	-	-	-
Held To Maturity Securities	1	1	1	-	-	1	1	1	1	1	2	2
Available For Sale Securities Debt Securities	-	-	-	-	-	1	2	2	2	2	2	2
Debt Securities Available For Sale Excluding Accru…	1	1	1	1	1	-	2	-	-	-	-	-
Loans Receivable Held For Sale Net Not Part Of Dis…	40	52	61	55	56	51	64	71	10	7	36	95
Notes Receivable Net	-	-	-	-	-	526	535	547	594	601	618	626
Financing Receivable Excluding Accrued Interest Af…	-	526	541	547	542	-	535	-	-	-	-	-
Interest Receivable	3	4	4	4	5	4	4	4	4	4	4	3
Federal Home Loan Bank Stock	0	0	0	2	3	3	2	2	2	1	1	3
Bank Owned Life Insurance	5	5	5	5	5	4	4	4	4	4	4	4
Property Plant And Equipment Net	1	1	2	2	2	2	2	3	3	3	3	3
Goodwill	1	1	1	1	1	1	1	1	1	1	1	3
Finite Lived Intangible Assets Net	0	0	0	0	0	0	0	0	0	0	0	0
Other Real Estate	0	0	0	-	-	-	0	-	-	-	-	-
Servicing Asset	1	1	-	-	-	-	-	-	-	-	-	-
Prepaid Expense And Other Assets	8	7	8	8	8	8	8	5	5	5	5	9
Assets Of Disposal Group Including Discontinued Op…	-	-	-	-	-	-	0	0	0	0	20	-
Assets	630	643	676	677	671	650	685	702	702	776	754	762
Noninterest Bearing Deposit Liabilities	64	61	66	76	97	61	60	68	63	113	92	78
Interest Bearing Deposit Liabilities	487	504	532	478	435	447	493	515	513	561	539	517
Deposits	551	565	597	554	532	508	553	583	576	673	632	596
Longterm Federal Home Loan Bank Advances Noncurren…	-	-	-	-	-	-	-	-	-	-	-	41
Federal Home Loan Bank Advances Long Term	10	10	0	45	60	-	48	-	-	-	29	-
Other Short Term Borrowings	-	-	-	-	-	-	-	-	-	-	6	6
Senior Notes	-	-	10	10	10	9	0	-	-	-	-	-
Subordinated Debt	8	8	8	8	8	8	22	22	22	22	22	22
Interest Payable Current And Noncurrent	1	1	1	1	1	1	1	1	1	1	1	1
Advance Payments By Borrowers For Taxes And Insura…	3	2	3	2	3	2	3	3	4	3	4	3
Accrued Liabilities Current And Noncurrent	5	5	5	5	5	5	5	3	3	3	2	10
Liabilities	577	591	624	625	619	598	633	650	650	725	703	714
Liabilities Of Disposal Group Including Discontinu…	-	-	-	-	-	-	0	0	0	-	13	-
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	23	23	23	23	23	23	23	23	23	21	20	19
Treasury Stock Common Value	-3	-4	-4	-4	-4	-4	-4	-4	-4	-4	-4	-4
Accumulated Other Comprehensive Income Loss Net Of…	0	0	0	0	0	0	0	0	-0	-0	-0	-0
Retained Earnings Accumulated Deficit	33	33	33	33	33	33	33	32	32	32	32	31
Stockholders Equity	53	53	52	52	52	52	53	51	51	50	48	46
Liabilities And Stockholders Equity	630	643	676	677	671	650	685	702	702	776	754	762
Minority Interest	-	-	-	-	-	-	0	0	0	0	3	3
Financing Receivable Allowance For Credit Loss Exc…	-	6	6	6	6	6	6	7	7	-	-	-
Financing Receivable Allowance For Credit Losses	-	-	-	-	-	6	6	7	7	8	7	7
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	10
Common Stock Shares Authorized	9	9	9	9	9	9	9	9	9	9	9	9
Common Stock Shares Issued	3	3	3	3	3	3	3	3	3	3	3	3
Shares Outstanding	3	3	3	3	3	3	3	3	3	2	2	2
Treasury Stock Common Shares	0	0	0	0	0	0	0	0	0	0	0	1

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-4.21%	-8.98%	-18.76%	-	-	-	-	-	-	-	-	-
2025	3.45%	6.90%	1.86%	0.50%	1.98%	-11.03%	12.01%	25.55%	39.57%	2.27%	11.32%	6.64%
2024	9.90%	5.45%	6.25%	-1.86%	4.12%	9.12%	-2.65%	-8.05%	-6.00%	-1.67%	-5.14%	2.65%
2023	-	-	-	-	-	-	-13.46%	-11.54%	-2.75%	-2.41%	-6.06%	1.24%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.93	-0.95	-0.96	-0.85	-0.82	-0.83	-0.09	0.41	0.79	1.13	1.12	1.19
Per Share Metrics
Diluted EPS TTM	0.29	0.21	0.12	0.66	0.76	0.70	1.08	0.90	0.72	0.95	0.89	1.56
Free Cash Flow Per Share TTM	6.86	-0.01	1.58	5.73	4.85	5.46	12.65	25.98	33.49	44.58	34.76	-3.14
Dividend Per Share TTM	0.16	0.25	0.34	0.43	0.52	0.52	0.52	0.49	0.48	0.48	0.51	0.50
Margin Metrics
Gross Profit Margin TTM	-111.49%	-2,382.74%	-2,299.79%	-2,215.43%	-2,390.06%	-2,808.13%	-2,718.48%	-37,929.76%	-11,218.88%	-4,718.98%	-5,040.00%	-1,021.44%
Operating Profit Margin TTM	12.49%	113.34%	68.00%	249.10%	307.40%	307.30%	376.35%	5,041.67%	1,080.07%	514.80%	602.00%	115.22%
Net Profit Margin TTM	7.71%	64.01%	34.00%	173.05%	212.58%	216.61%	307.48%	2,807.14%	650.35%	348.28%	336.67%	173.91%
Growth Metrics
Net Revenue Growth (1Y)	968.92%	5.06%	4.18%	1,088.10%	230.77%	26.91%	51.50%	-95.85%	-87.80%	-74.30%	-80.66%	-33.92%
Net Income Growth (1Y)	-61.21%	-68.95%	-88.48%	-26.76%	8.12%	-21.07%	38.37%	-33.01%	-70.98%	-69.38%	-80.41%	-65.69%
EPS Growth (1Y)	-61.45%	-69.09%	-88.72%	-26.90%	6.88%	-26.37%	20.96%	-42.86%	-75.04%	-72.73%	-82.25%	-68.64%
Valuation Metrics
P/E TTM	54.35	73.19	93.20	15.52	14.10	14.99	9.21	11.11	14.12	10.81	11.75	8.37
P/B TTM	0.80	0.80	0.57	0.51	0.54	0.53	0.49	0.51	0.51	0.50	0.49	0.61
P/S TTM	4.19	46.85	31.69	26.86	29.98	32.47	28.31	311.86	91.81	37.66	39.56	14.55
Market Cap	42.39M	41.79M	30.01M	26.80M	28.36M	27.56M	25.73M	26.20M	26.26M	25.19M	23.74M	29.46M
Enterprise Value	-5.87M	-2.88M	-13.92M	-15.91M	-11.00M	-11.81M	-37.26M	-35.15M	-49.32M	-121.13M	-34.27M	18.82M
Calculated Values
Free Cash Flow TTM	18.17M	-33.00K	4.15M	15.10M	12.75M	14.35M	32.61M	68.36M	87.08M	109.26M	78.36M	-7.05M
Net Debt	-48.26M	-44.67M	-43.93M	-42.72M	-39.36M	-39.37M	-62.99M	-61.34M	-75.58M	-146.32M	-58.01M	-10.64M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-26Purchase

Owner: Clarke, James J

Title: -

Shares: 200

Price/Share: $17.35

Value: $3,470.00

Shares Owned: 70,990

Relationship: Director

Ownership: Direct

2026-02-05Purchase

Owner: Clarke, James J

Title: -

Shares: 1,350

Price/Share: $12.74

Value: $17,199.00

Shares Owned: 70,690

Relationship: Director

Ownership: Direct

2025-12-12Purchase

Owner: Strong, Robert T

Title: Chief Executive Officer

Shares: 800

Price/Share: $10.41

Value: $8,328.00

Shares Owned: 207,608

Relationship: Director,Officer

Ownership: Direct

2025-12-05Purchase

Owner: Gonzalez, William R

Title: President

Shares: 528

Price/Share: $10.26

Value: $5,417.28

Shares Owned: 18,701

Relationship: Director,Officer

Ownership: Indirect

2025-12-04Purchase

Owner: Strong, Robert T

Title: Chief Executive Officer

Shares: 1,000

Price/Share: $10.40

Value: $10,400.00

Shares Owned: 206,608

Relationship: Director,Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-26	Clarke, James J	Director	-	Direct	Purchase	200	17.35	$3,470.00	70,990	4
2026-02-05	Clarke, James J	Director	-	Direct	Purchase	1,350	12.74	$17,199.00	70,690	4
2025-12-12	Strong, Robert T	Director,Officer	Chief Executive Officer	Direct	Purchase	800	10.41	$8,328.00	207,608	4
2025-12-05	Gonzalez, William R	Director,Officer	President	Indirect	Purchase	528	10.26	$5,417.28	18,701	4
2025-12-04	Strong, Robert T	Director,Officer	Chief Executive Officer	Direct	Purchase	1,000	10.40	$10,400.00	206,608	4
2025-11-19	Strong, Robert T	Director,Officer	Chief Executive Officer	Direct	Purchase	900	10.35	$9,315.00	205,608	4
2025-11-05	Strong, Robert T	Director,Officer	Chief Executive Officer	Direct	Purchase	1,000	9.16	$9,160.00	204,608	4
2025-08-13	Clarke, James J	Director	-	Direct	Purchase	300	10.10	$3,030.00	69,340	4
2025-07-01	Strong, Robert T	Director,Officer	Chief Executive Officer	Direct	Purchase	600	10.85	$6,510.00	203,108	4
2025-06-13	Vettori, Susan M.	Director	-	Direct	Purchase	500	10.95	$5,475.00	2,184	4
2025-06-11	Gonzalez, William R	Director,Officer	President	Indirect	Purchase	1,961	10.69	$20,963.09	18,024	4
2025-06-02	Strong, Robert T	Director,Officer	Chief Executive Officer	Direct	Purchase	400	10.45	$4,180.00	200,885	4
2025-05-29	Phillips, Robert J	Director	-	Direct	Purchase	500	10.58	$5,290.00	73,304	4
2025-05-28	Strong, Robert T	Director,Officer	Chief Executive Officer	Direct	Purchase	1,000	10.45	$10,450.00	200,485	4
2025-01-16	Phillips, Robert J	Director	-	Indirect	Sale	1	10.30	$10.30	1,345	4
2024-08-29	Clarke, James J	Director	-	Direct	Purchase	400	10.30	$4,120.00	69,040	4/A
2024-08-29	Clarke, James J	Director	-	Direct	Purchase	400	10.30	$4,120.00	69,040	4
2024-08-22	Gonzalez, William R	Officer	President and COO*	Indirect	Purchase	2,503	9.99	$25,004.97	15,338	4
2024-08-19	Strong, Robert T	Director,Officer	President and CEO	Direct	Purchase	500	10.25	$5,125.00	199,485	4
2024-05-22	Clarke, James J	Director	-	Direct	Purchase	300	10.45	$3,135.00	68,640	4/A
2024-05-20	Clarke, James J	Director	-	Direct	Purchase	200	10.30	$2,060.00	68,340	4
2024-02-22	Clarke, James J	Director	-	Direct	Purchase	400	11.68	$4,672.00	68,140	4
2023-11-13	Clarke, James J	Director	-	Direct	Purchase	13	13.28	$172.64	67,740	4
2023-11-10	Clarke, James J	Director	-	Direct	Purchase	687	13.00	$8,931.00	67,727	4
2023-09-13	Vettori, Susan M.	Director	-	Direct	Purchase	300	15.60	$4,680.00	1,684	4
2023-06-05	Dipiero, Andrew E Jr	Director	-	Direct	Sale	500	17.30	$8,650.00	21,627	4
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Institutional Ownership

No data available for chart

2017-12-31

2.20%

Inst. Shares: 40,950

Shares Outstanding: 1,857,457

2017-09-30

5.55%

Inst. Shares: 103,750

Shares Outstanding: 1,868,969

2017-06-30

9.27%

Inst. Shares: 173,000

Shares Outstanding: 1,865,612

2017-03-31

9.41%

Inst. Shares: 173,000

Shares Outstanding: 1,838,125

2016-12-31

9.71%

Inst. Shares: 173,000

Shares Outstanding: 1,781,410

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2017-12-31	40,950	1,857,457	2.20%
2017-09-30	103,750	1,868,969	5.55%
2017-06-30	173,000	1,865,612	9.27%
2017-03-31	173,000	1,838,125	9.41%
2016-12-31	173,000	1,781,410	9.71%
2016-09-30	173,000	1,792,673	9.65%
2016-06-30	173,000	1,775,829	9.74%
2016-03-31	173,000	1,754,326	9.86%
2015-12-31	173,000	1,718,456	10.07%
2015-09-30	173,000	1,706,946	10.14%
2015-06-30	173,000	1,714,582	10.09%
2015-03-31	173,000	1,703,588	10.16%
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QUAINT OAK BANCORP, INC. (QNTO) — SEC Financial Statements & Analysis

QUAINT OAK BANCORP, INC. (QNTO) is a savings institutions, not federally chartered company, incorporated in PA. QUAINT OAK BANCORP, INC. trades on OTC as: QNTO. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), QUAINT OAK BANCORP, INC. reported a 968.92% year-over-year revenue growth, a Gross Profit Margin of -111.49% (TTM), a Price-to-Sales (P/S) ratio of 4.19x (TTM), a Price-to-Book (P/B) ratio of 0.80x (TTM), at a market cap of $42.39M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 968.92%
Gross Profit Margin TTM: -111.49%
P/S TTM: 4.19x
P/B TTM: 0.80x
Market Cap: $42.39M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is QUAINT OAK BANCORP, INC. in?

QUAINT OAK BANCORP, INC. (QNTO) operates in the Savings Institutions, Not Federally Chartered industry.

What is QNTO's market cap?

QUAINT OAK BANCORP, INC. (QNTO) has a market capitalization of $42.39M as of 2026-06-30.

What is QNTO's P/E ratio?

QUAINT OAK BANCORP, INC. (QNTO)'s trailing twelve month P/E ratio is 54.35x as of 2026-06-30.

What exchange does QNTO trade on?

QUAINT OAK BANCORP, INC. (QNTO) trades on the OTC.

Where is QUAINT OAK BANCORP, INC. incorporated?

QUAINT OAK BANCORP, INC. is incorporated in PA.