Quaint Oak Bancorp, Inc.

Quaint Oak Bancorp, Inc.

QNTO
Quaint Oak Bancorp, Inc.US flagOther OTC
16.60
USD
- -
- -
43.88MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
3.43
4.44
4.86
5.37
5.94
6.37
6.97
8.85
16.34
21.1
10.95
9.5
9.52
9.62
Basic EPS, GAAP
0.39
0.73
0.74
0.87
0.79
1.04
1.27
1.64
3.21
3.85
0.9
1.08
0.12
0.22
Free Cash Flow per Basic Share
2.71
-0.06
-0.9
1.3
-0.47
2.39
-1.13
-22.33
-19.03
-6.27
34.45
12.19
1.33
-0.26
Dividend per Share
0.1
0.12
0.14
0.16
0.2
0.27
0.35
0.36
0.42
0.5
0.51
0.52
0.34
0.25
Book Value per Share
4.65
5.47
6.02
6.73
6.82
7.36
8.16
9.36
12.06
15.13
14.09
12.89
12.4
12.41
Tangible Book Value per Share
9.55
10.32
11.08
11.53
11.44
11.93
12.81
14.14
17.1
22.68
22.59
20.17
19.67
19.72
Basic Weighted Avg Shares
2
2
2
2
2
2
2
2
2
2
2
3
3
3
Sales/Revenue/Turnover
6
8
8
9
11
12
14
17
33
43
25
24
25
25
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
- -
- -
- -
1
1
1
1
1
1
Net Income, GAAP
1
1
1
1
1
2
2
3
6
8
2
3
- -
1
Effective Tax Rate (%)
37.27
35.85
36.26
32.95
45.1
24.97
27.72
28.48
26.76
22.85
36.82
30.17
50
43.52
Profit Margin (%)
11.5
16.42
15.23
16.25
13.3
16.36
18.16
18.55
19.64
18.24
8.18
11.41
1.28
2.25
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
6
4
8
8
18
23
34
36
31
74
51
22
18
18
Total Equity
17
18
19
21
22
24
26
29
37
49
52
53
52
52
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
8.76
14.12
12.92
13.67
12.11
14.94
16.44
18.83
30.1
28.61
6.45
8.6
0.98
1.74

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
63
18
18
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
27
30
42

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
53
54
46
Accounts Receivable, Net
4
4
4
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
1
1
1
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
11.1%
13.6%
-0.55%
Free Cash Flow
-20.75%
-187.11%
-88.86%
Net Income, GAAP
10.27%
-0.86%
-88.48%
Sales/Revenue/Turnover
15.81%
15.48%
2.34%
Total Cash Common Dividend
16.02%
6.89%
-33.18%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7
5
5
7
24
2025
6
6
6
7
25
2026
6
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.36
0.04
0.09
0.6
1.08
2025
-0.03
0.1
- -
0.07
0.12
2026
0.06
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.13
0.13
0.13
0.13
0.52
2025
0.13
0.13
- -
0.04
0.34
2026
0.04
- -
- -
- -
- -

Company Description

APIChat
CEO
Robert T. Strong
Full Time Employees
131
Sector
Financial Services
Industry
Banks - Regional
Address
501 Knowles Avenue Southampton PA United States of America 18966
IPO Date
Sep 4, 2007
Business
Quaint Oak Bancorp, Inc. (OTCQB: QNTO) serves as the holding company for Quaint Oak Bank, a full-service community bank that provides commercial and retail banking products and services primarily in Pennsylvania. The bank offers deposit products including checking accounts, savings accounts, money market accounts, and certificates of deposit for businesses and consumers; commercial real estate loans, commercial business loans, one-to-four family residential owner-occupied and non-owner-occupied loans, multifamily residential loans, construction loans, home equity loans, and lines of credit; SBA 7(a) loans with funding up to $5 million and repayment terms of 7 to 25 years; multi-state equipment financing services; and mortgage banking, title abstract, real estate sales, and insurance services through subsidiaries such as Quaint Oak Mortgage, Quaint Oak Abstract, Quaint Oak Insurance, and Oakmont Commercial. Quaint Oak Bancorp operates from its headquarters in Southampton, Pennsylvania, where Quaint Oak Bank was founded in 1926, and conducts business mainly in the Delaware Valley, Lehigh Valley, and Philadelphia markets with a digital-first approach. In March 2024, the company sold its 51% interest in Oakmont Capital Holdings, generating a $1.4 million pretax gain, and discontinued Quaint Oak Real Estate operations; it also completed a sale-leaseback transaction of its Allentown property for a $1.5 million gain. In 2025, Quaint Oak Bancorp announced investments in staffing, infrastructure, and professional services to launch a new funding line aimed at providing lower-cost funding sources and additional non-interest income, while declaring a dividend payable on November 3, 2025, to shareholders of record as of October 20, 2025.

Company News

APIChat
  • Quaint Oak Bank Expands Community Library Partnerships Across the Region in Centennial Year

  • Quaint Oak Bank Expands Community Library Partnerships Across the Region in Centennial Year

  • QUAINT OAK BANCORP, INC. ANNOUNCES FIRST QUARTER EARNINGS

  • Quaint Oak Bank Supports Expansion of Chicago Child Care Provider Through SBA Financing

  • Quaint Oak Bancorp (OTCMKTS:QNTO) Stock Price Crosses Above 50 Day Moving Average – Time to Sell?

  • Quaint Oak Bancorp, Inc. Declares Quarterly Cash Dividend

  • Quaint Oak Bancorp (OTCMKTS:QNTO) Stock Price Crosses Above 50-Day Moving Average – What’s Next?

  • Financial Analysis: Quaint Oak Bancorp (OTCMKTS:QNTO) & Shore Bancshares (NASDAQ:SHBI)

  • Quaint Oak Bancorp (OTCMKTS:QNTO) Stock Price Crosses Above 50 Day Moving Average – Time to Sell?

  • Contrasting First Resource Bancorp (OTCMKTS:FRSB) & Quaint Oak Bancorp (OTCMKTS:QNTO)

  • Quaint Oak Bancorp (OTCMKTS:QNTO) Stock Passes Above Fifty Day Moving Average – Time to Sell?

  • Reviewing LCNB (NASDAQ:LCNB) & Quaint Oak Bancorp (OTCMKTS:QNTO)

  • QUAINT OAK BANCORP, INC. ANNOUNCES FOURTH QUARTER AND YEAR END EARNINGS

  • Quaint Oak Bancorp, Inc. Declares Quarterly Cash Dividend

  • Quaint Oak Bancorp (OTCMKTS:QNTO) Stock Price Crosses Above 50 Day Moving Average – Should You Sell?

  • Reviewing Quaint Oak Bancorp (OTCMKTS:QNTO) and First Bancorp, Inc (ME) (NASDAQ:FNLC)

  • QUAINT OAK BANCORP, INC. ANNOUNCES THIRD QUARTER EARNINGS

  • Quaint Oak Bancorp, Inc. Declares Quarterly Cash Dividend

  • QUAINT OAK BANCORP, INC. ANNOUNCES SECOND QUARTER EARNINGS

  • Quaint Oak Bancorp, Inc. Declares Quarterly Cash Dividend