QNTO
QUAINT OAK BANCORP, INC.
Next earnings Jul 29, 2026
Last earnings +1.5% on 2026-05-01
$16.01
▼ -1.29%$16.01▲ +48.09%
over 1Y
L $8.79H $17.59
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today-1.3%
1W-5.0%
1M-3.6%
3M+0.6%
YTD+44.8%
1Y+48.1%
Avoid
Conviction
Horizon
Medium (3–12mo)
High leverage (liabilities/equity 11.9x).
Return on equity 0.6% · latest
The read
Weak on both the fundamentals and the price — little to like at the current level.
QUAINT OAK BANCORP, INC. shows limited reported revenue, and 0.6% ROE.
Weighing against it: high leverage (liabilities/equity 11.9x); very expensive (P/E 140.4).
Is QNTO a buy? The one-page verdict, explained →
The options angle
model · matches our verdictBear put spread (caution)~60d expiry
- Long put 16 @ ~0.41 est
- Short put 14.5 @ ~0.04 est
debit $37max +$113max −$37BE 15.63
AVOID means we wouldn't engage at all — if expressing the short side anyway, only with capped risk.
Educational template, not a trade recommendation. Strikes and premiums are Black-Scholes model estimates from the last close and 30-day realized volatility — real chains, spreads and IV will differ. Options involve substantial risk.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | $9.31M | $13.4M | $3.61M | $3.42M | $644K |
| Net income | $6.40M | $7.86M | $2.02M | $2.79M | $322K |
| Diluted EPS | $3.06 | $3.65 | $0.89 | $1.08 | $0.12 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF10.9
PEG (trailing)—
Earnings yield0.8%
FCF yield9.2%
Quality & risk
ROIC (est.)0.9%
Free cash flow$3.88M
Total debt$2.00M
Net cash$51.5M
Piotroski F-Score4/6
Capital returns
Buyback yield0.1%
Dividend yield (est.)2.1%
Shareholder yield2.2%
Shares Δ YoY+5.9%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRoutine disclosure cadence — no material red flags in recent filings.
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-26open ↗4Period ending 2026-05-262026-05-27open ↗8-KPeriod ending 2026-05-132026-05-18open ↗10-QPeriod ending 2026-03-312026-05-15open ↗4Period ending 2026-05-102026-05-12open ↗4Period ending 2026-05-102026-05-12open ↗8-KPeriod ending 2026-04-302026-05-01open ↗4Period ending 2026-04-212026-04-22open ↗4Period ending 2026-04-212026-04-22open ↗8-KPeriod ending 2026-04-152026-04-16open ↗DEFA14AFiling2026-04-08open ↗ARSPeriod ending 2025-12-312026-04-08open ↗
Frequently asked
- Is QUAINT OAK BANCORP, INC. (QNTO) a buy?
- QNTO currently carries a Avoid rating with 4/5 conviction, derived from its latest SEC filings. High leverage (liabilities/equity 11.9x).
- What is QNTO's fair value?
- A Modified-Graham model based on QNTO's SEC fundamentals estimates a fair value of about $0.92. It is an estimate from reported earnings, not a price target.
- Is QNTO overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, QNTO currently appears overvalued relative to its SEC-grounded earnings power.
- What is QUAINT OAK BANCORP, INC.'s quality score?
- QNTO scores 40.529411764705884/100 (grade D) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001391933, latest 10-Q filed 2026-05-15) · EODHD · as of 6/22/2026, 10:55:22 PM.
About this recommendation — produced by TENK/calls (tenkcalls.com), Luxembourg · not investment advice
Rule-based analysis, generated automatically from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 22, 2026, 6:55 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.