Accessibility Menu
Quaint Oak Bancorp logo

Quaint Oak Bancorp(OTC) QNTO

Current Price$14.20
Market Cap$37.53MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2007)+321%
5 Year-9%
1 Year+36%
1 Month-16%
Quaint Oak Bancorp last closing stock price
MetricPriceDate
Last closeUSD 14.202026-07-22
Quaint Oak Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.46%USD 14.412026-07-15
1 month-15.73%USD 16.852026-06-04
3 month-12.13%USD 16.162026-04-23
Year to date+24.22%USD 11.432025-12-31
1 year+35.57%USD 10.472025-07-22
3 year-8.64%USD 15.542023-07-20
5 year-9.32%USD 15.662021-07-23
Since inception+321.22%USD 3.372007-07-05

Quaint Oak Bancorp Financials at a Glance

Market Cap

$37.53MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$47.81M

Net Income (TTM)

$571.00K

EPS (TTM)

$0.22

P/E Ratio

65.65

Dividend

$0.12

Beta (Volatility)

0.03 (Low)

Price

$14.20

Volume

100

Open

$14.20

Previous Close

$14.20

Daily Range

$14.20 - $14.20

52-Week Range

$8.84 - $17.59

Estimated Earnings Date

Apr 29, 2026

QNTO News

No articles available.

Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About Quaint Oak Bancorp

Quaint Oak helps people and businesses manage money and get loans. It offers savings accounts, mortgages, and insurance services. Customers use these to buy homes, run businesses, or protect assets.

Money Matters: Quaint Oak’s Main Offerings

  • Deposit Accounts: Savings, checking, and certificates of deposit for individuals and businesses (revenue share not disclosed).
  • Lending Services: Residential and commercial mortgages, construction loans, and business loans for homebuyers and companies (revenue share not disclosed).
  • Mortgage Banking: Loan origination and sales, mainly through Quaint Oak Mortgage, LLC (revenue share not disclosed).
  • Insurance Services: Property and casualty insurance for individuals and businesses via Quaint Oak Insurance Agency, LLC (revenue share not disclosed).
  • Title Abstract Services: Title research and insurance for real estate transactions through Quaint Oak Abstract, LLC (revenue share not disclosed).
  • Commercial Real Estate Financing: Nationwide loan origination and sales via Oakmont Commercial, LLC (revenue share not disclosed).

Plot Twists: Growth and Expansion Moves

  • Discontinued real estate brokerage and equipment finance in March 2024 to focus on core banking.
  • Sold 51% of Oakmont Capital Holdings, LLC (equipment finance) in 2024.
  • Issued $10 million in senior unsecured notes in March 2025 to refinance debt and support liquidity.
  • Expanded commercial real estate lending nationwide through Oakmont Commercial, LLC (timeline not specified).
  • Shifted focus to originating and selling Small Business Administration (SBA) and commercial real estate loans in 2025.

Quaint Oak’s Quirks: What Sets It Apart

Quaint Oak combines traditional banking with mortgage, insurance, and title services under one roof. Its Oakmont Commercial unit gives it a national footprint in commercial real estate lending. The company’s regional focus and diversified services help it serve both local and nationwide customers.

Five Things You Need to Know

  • Total revenue was $27 million in Q3 2025, down 1.9% year-over-year.
  • Net income for Q2 2025 was $272,000, up from $100,000 in Q2 2024.
  • Total deposits fell 3.8% to $532.2 million as of June 30, 2025.
  • Non-interest income rose 49.3% in Q2 2025 compared to Q2 2024.
  • Book value per share was $19.83 as of June 30, 2025.

Bottom Line

Quaint Oak has evolved by narrowing its focus to core banking and mortgage services. Its diversified model and regional roots support a stable, adaptable business.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

134

CEO

Robert T. Strong

Website

www.quaintoak.com

Headquarters

Southampton, PA 18966, US

QNTO Financials

Key Financial Metrics (TTM)

Gross Margin

51.86%

Operating Margin

2.14%

Net Income Margin

1.19%

Return on Equity

1.09%

Return on Capital

0.87%

Return on Assets

0.09%

Earnings Yield

1.52%

Dividend Yield

0.85%

Payout Ratio

1.15%

Stock Overview

Market Cap

$37.53MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

2.64M

Volume

100

Avg. Volume

1.10K

Financials (TTM)

Gross Profit

$24.79M

Operating Income

$1.02M

EBITDA

$12.96M

Operating Cash Flow

-$33.00K

Capital Expenditure

-$167.00K

Free Cash Flow

-$200.00K

Cash & ST Invst.

$44.67M

Total Debt

$17.66M

Quaint Oak Bancorp Performance Analysis

Quaint Oak Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 51,877,00040.3%
20232023-12-31USD 50,813,000-2.1%
20242024-12-31USD 51,017,0000.4%
20252025-12-31USD 48,735,000-4.5%
Quaint Oak Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-303.9%
Q32025-09-30-1.8%
Q42025-12-311.0%
Q12026-03-31-2.8%
Quaint Oak Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.6519.4%
20232023-12-31USD 0.89-75.7%
20242024-12-31USD 1.0822.1%
20252025-12-31USD 0.12-88.7%
Quaint Oak Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30416.5%
Q32025-09-30-115.6%
Q42025-12-31523.1%
Q12026-03-31-5.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$11.71M

+0.2%

Gross Profit

$6.41M

+17.3%

Gross Margin

54.75%

N/A

Market Cap

$37.53MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$280.11K

N/A

Employees

134

N/A

Net Income

$166.00K

+300.0%

EBITDA

$487.00K

+195.2%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$44.67M

-10.3%

Total Debt

$17.66M

-78.6%

Accounts Receivable

$3.78M

-9.6%

Inventory

$0.00

N/A

Long Term Debt

$17.66M

+1.0%

Short Term Debt

$0.00

-100.0%

Return on Assets

0.09%

N/A

Return on Invested Capital

1.33%

N/A

Free Cash Flow

$8.44M

-33.2%

Operating Cash Flow

$8.58M

-32.8%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
EFSGEnterprise Financial Services Group, Inc.
$32.00+0.00%
SSBPSSB Bancorp, Inc.
$18.15+1.40%
WOBKWoodsboro Bank
$86.00+0.00%
HVLMHuron Valley Bancorp, Inc.
$36.00+0.00%

Trending Stocks

Symbol / CompanyPricePrice Chg
NOKNokia
$9.10-0.06%
TSLLDirexion Shares ETF Trust - Direxion Daily Tsla Bull 2x Shares
$7.42-0.04%
ONDSOndas
$7.80-0.02%
SOFISoFi Technologies
$16.46-0.01%

Questions About QNTO

What is the current price of Quaint Oak Bancorp?

Quaint Oak Bancorp is trading at $14.20 per share.

What is the 52-week range for Quaint Oak Bancorp?

Over the past 52 weeks, Quaint Oak Bancorp has traded between $8.84 and $17.59.

How much debt does Quaint Oak Bancorp have?

As of the most recent reporting period, Quaint Oak Bancorp reported total debt of $17.66M.

How much cash does Quaint Oak Bancorp have on hand?

Quaint Oak Bancorp does not have cash on hand data available.

What is Quaint Oak Bancorp’s dividend yield?

Quaint Oak Bancorp currently has a dividend yield of 0.85%.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services