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Investlytic score: 2/5 criteria met.
- ❌ Price trend failed
- ⚠️ Mixed growth
- ✅ Debt passed
- ❌ P/E failed
- ✅ Correction passed
Price trend
Overall trend (8 years): insufficient progression (less than x1.5).
Price change 2018 → 2019: 24.79%
Price change 2019 → 2020: 0.00%
Price change 2020 → 2021: 28.81%
Price change 2021 → 2022: 16.58%
Price change 2022 → 2023: -48.08%
Price change 2023 → 2024: -9.57%
Price change 2024 → 2025: 10.58%
Price change 2025 → 2026: 23.91%
Price change 2026 (year to date): 23.91%
Financial growth
Revenue CAGR (8 years): 16.84%
Earnings CAGR (8 years): -22.99%
Growth status: positive trend (>1%/yr) in revenue OR earnings, but not both.
Debt
Debt-to-equity ratio: 0.42
Debt/equity < 0.5 (maximum threshold).
P/E (Price/Earnings)
P/E ratio: 50.69
P/E > 25.0 (maximum threshold).
Correction (6 months)
Current correction: 18.99% from the high over 6 months.
Correction between 10.0% and 20.0% (target range).
Criteria of the Investlytic model
- / 5Free with the Investlytic logo. Paste this line into your page: options.
<script src="https://investlytic.co/encart.js" data-symbole="QNTO" data-lang="en"></script>Price trend
Price & trend
Interactive chart →💰 Dividend
Dividend ranking →⚖️ Comparison with the market
All stocks →| Stock | P/E | Dette/FP | Revenue growth | Rating |
|---|---|---|---|---|
| Quaint Oak Bancorp, Inc. | 50.9 | 0.42 | +15.1 % | 🔒 |
| AMB Financial Corp. | 9.9 | 0.09 | +6.1 % | ★ 4/5 |
| Crypto Blockchain Industries | – | 27.88 | +31.0 % | – |
| Casa Inc. | – | 0.09 | +6.0 % | – |
| Community Capital Bancshares, Inc. | 8.7 | 0.13 | +5.0 % | ★ 4/5 |
Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.
Detailed analysis · Price trend
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Revenues & profits
Revenue and net income
Financial indicators
Annual financial statements
| Fiscal year | Revenue | Net income | Net margin | EPS | Revenue growth |
|---|
Key reported figures
Revenue, net income and net margin reported by Quaint Oak Bancorp, Inc. over the latest fiscal years.
| Fiscal year | Revenue | Net income | Net margin | Revenue growth |
|---|---|---|---|---|
| 2020 | 23.0 m | 3.2 m | 14.1 % | n/a |
| 2021 | 37.0 m | 6.4 m | 17.3 % | +60.9 % |
| 2022 | 51.9 m | 7.9 m | 15.2 % | +40.3 % |
| 2023 | 50.2 m | 2.0 m | 4.0 % | -3.2 % |
| 2024 | 50.1 m | 2.8 m | 5.6 % | -0.2 % |
| 2025 | 47.8 m | 322,000 | 0.7 % | -4.6 % |
Amounts converted to USD. Source: published annual accounts, collected on 06/11/2026.
Accounts and financial health
Balance sheet and cash flow published by Quaint Oak Bancorp, Inc. over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash and investments | 22.7 m | 10.7 m | 62.3 m | 63.9 m | 54.4 m |
| Total Debt | 57.1 m | 173 m | 51.0 m | 69.9 m | 21.8 m |
| Net Debt | 38.5 m | 165 m | -8.9 m | 6.0 m | -31.8 m |
| Equity | 34.8 m | 44.8 m | 48.5 m | 52.6 m | 52.3 m |
| Total assets | 554 m | 792 m | 754 m | 685 m | 676 m |
| Operating cash flow | -37.4 m | -12.2 m | 78.4 m | 32.6 m | 4.2 m |
| Investments (capex) | 619,000 | 560,000 | 688,000 | 1.2 m | 649,000 |
| Free cash-flow | -38.3 m | -12.8 m | 77.9 m | 32.6 m | 3.5 m |
| Share buybacks | 25,000 | 49,000 | 433,000 | 150,000 | 44,000 |
| Dividends paid | 839,000 | 1.0 m | 1.2 m | 1.3 m | 894,000 |
Amounts in USD, currency of the published accounts.
Trailing 12-month ratios
Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 09/11/2026.
Valuation and competitors
Quaint Oak Bancorp, Inc. compared with its sector on the same exchange and with its main competitors.
Direct competitors
| Company | Market cap (USD) | P/E | Net margin |
|---|---|---|---|
| Quaint Oak Bancorp, Inc. | 39.1 m | 50.9 | 0.7 % |
| Apollo Bancorp, Inc. APLO | 24.5 m | 10.6 | 18.2 % |
| SSB Bancorp, Inc. SSBP | 55.5 m | 11.6 | 10.3 % |
| AMB Financial Corp. AMFC | 38.1 m | 9.9 | 14.6 % |
| The Farmers Bank of Appomattox FBPA | 35.8 m | 9.9 | 17.0 % |
| Huron Valley Bancorp, Inc. HVLM | 49.0 m | 17.0 | 18.4 % |
| Northeast Indiana Bancorp, Inc. NIDB | 59.3 m | 8.0 | 18.6 % |
| Oak View Bankshares, Inc. OAKV | 66.2 m | 15.7 | 16.4 % |
| Oak Valley Bancorp OVLY | 290 m | 11.9 | 29.3 % |
Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on 06/11/2026. Competitors: comparable companies named by the data provider.
Who owns the stock
Free float, institutional investors, large funds, executives and elected officials: declared positions in Quaint Oak Bancorp, Inc.
Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 07/11/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.
PEA and practical information
Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.
Frequently asked questions about Quaint Oak Bancorp, Inc.
What is the Quaint Oak Bancorp, Inc. share price?
Latest recorded price: 14.75 USD on 06/11/2026, for a market cap of 39.1 m USD.
What is the revenue of Quaint Oak Bancorp, Inc.?
47.8 m USD for fiscal year 2025, with net income of 322,000 USD (net margin 0.7 %).
What is the P/E ratio of Quaint Oak Bancorp, Inc.?
Trailing 12-month P/E of 26.8.
Is Quaint Oak Bancorp, Inc. stock eligible for the French PEA?
No: the company is headquartered outside the European Union and the European Economic Area (ISIN US74732T1060).
How many employees does Quaint Oak Bancorp, Inc. have?
131 full-time employees according to the latest published profile.
Who runs Quaint Oak Bancorp, Inc.?
Robert T. Strong is the company's chief executive.