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Stock Quaint Oak Bancorp, Inc. QNTO

Quaint Oak Bancorp, Inc. — Investlytic score 2/5 on the five criteria.

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40/ 100
Score Investlytic · 5 criteria

Analysis in progress…

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).

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Criteria of the Investlytic model

- / 5
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Score out of 100, model verdict (buy, watch, sell) and details of the 5 criteria · visible with a free account.

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Price trend

Price & trend

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⚖️ Comparison with the market

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StockP/EDette/FPRevenue growthRating
Quaint Oak Bancorp, Inc.50.90.42+15.1 %🔒
AMB Financial Corp.9.90.09+6.1 %★ 4/5
Crypto Blockchain Industries–27.88+31.0 %–
Casa Inc.–0.09+6.0 %–
Community Capital Bancshares, Inc.8.70.13+5.0 %★ 4/5

Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.

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Detailed analysis · Price trend

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Global model trend and annual price variations · visible with a free account.

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Revenues & profits

Revenue and net income

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Chart of revenues and net income over 8 periods · real data, no estimates.

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Financial indicators

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18 financial indicators analyzed by groups of criteria: valuation, profitability, growth, solidity, dividend, and momentum.

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Annual financial statements

Fiscal yearRevenueNet income Net marginEPSRevenue growth
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Complete annual financial statements: revenue, net income, margin, and EPS over 8 fiscal years.

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Key reported figures

Revenue, net income and net margin reported by Quaint Oak Bancorp, Inc. over the latest fiscal years.

Revenue
47.8 m USD
fiscal year 2025
Net income
322,000 USD
fiscal year 2025
Net margin
0.7 %
fiscal year 2025
Average annual growth
+15.8 %
Revenue growth over 5 years
Average annual growth
+16.4 %
Revenue growth over 10 years
Market cap
39.1 m USD
Fiscal yearRevenueNet incomeNet marginRevenue growth
202023.0 m3.2 m14.1 %n/a
202137.0 m6.4 m17.3 %+60.9 %
202251.9 m7.9 m15.2 %+40.3 %
202350.2 m2.0 m4.0 %-3.2 %
202450.1 m2.8 m5.6 %-0.2 %
202547.8 m322,0000.7 %-4.6 %

Amounts converted to USD. Source: published annual accounts, collected on 06/11/2026.

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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).

Overview
solid accounts
according to Altman Z, Piotroski and net debt
Altman Z-score
n/a
not applicable to banks and insurance
Piotroski Score
7 / 9
7 to 9: solid accounts
Net Debt / EBITDA
-13.27 x
net cash
Fiscal year20212022202320242025
Cash and investments22.7 m10.7 m62.3 m63.9 m54.4 m
Total Debt57.1 m173 m51.0 m69.9 m21.8 m
Net Debt38.5 m165 m-8.9 m6.0 m-31.8 m
Equity34.8 m44.8 m48.5 m52.6 m52.3 m
Total assets554 m792 m754 m685 m676 m
Operating cash flow-37.4 m-12.2 m78.4 m32.6 m4.2 m
Investments (capex)619,000560,000688,0001.2 m649,000
Free cash-flow-38.3 m-12.8 m77.9 m32.6 m3.5 m
Share buybacks25,00049,000433,000150,00044,000
Dividends paid839,0001.0 m1.2 m1.3 m894,000

Amounts in USD, currency of the published accounts.

Trailing 12-month ratios

Price / earnings (P/E)26.87 x
Price / book value0.73 x
Return on Equity (ROE)2.8 %
Return on Invested Capital (ROIC)0.2 %
Net margin3.0 %
Debt / equity0.33 x
Current ratio0.00 x
Interest coverage0.15 x
Free cash-flow yield46.8 %

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.

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Valuation and competitors

Quaint Oak Bancorp, Inc. compared with its sector on the same exchange and with its main competitors.

Company P/E
26.8

Direct competitors

CompanyMarket cap (USD)P/ENet margin
Quaint Oak Bancorp, Inc.39.1 m50.90.7 %
Apollo Bancorp, Inc. APLO24.5 m10.618.2 %
SSB Bancorp, Inc. SSBP55.5 m11.610.3 %
AMB Financial Corp. AMFC38.1 m9.914.6 %
The Farmers Bank of Appomattox FBPA35.8 m9.917.0 %
Huron Valley Bancorp, Inc. HVLM49.0 m17.018.4 %
Northeast Indiana Bancorp, Inc. NIDB59.3 m8.018.6 %
Oak View Bankshares, Inc. OAKV66.2 m15.716.4 %
Oak Valley Bancorp OVLY290 m11.929.3 %

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.

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Who owns the stock

Free float, institutional investors, large funds, executives and elected officials: declared positions in Quaint Oak Bancorp, Inc.

Free float
61.9 %
share of freely traded shares

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.

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PEA and practical information

PEA eligibility
no
head office outside the EU and EEA
Listing exchange
OTC (hors cote)
IPO: 04/09/2007
ISIN code
US74732T1060
Workforce
131
full-time employees
Chief executive
Robert T. Strong

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.

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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.

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