Quaint Oak Bancorp, Inc. (QNTO)

OTCMKTS · Delayed Price · Currency is USD

15.65

+0.15 (0.97%)

At close: Nov 13, 2026

Quaint Oak Bancorp Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	27.1	23.85	24.44	24.53	40.63	30.4
Revenue Growth	8.30%	-2.43%	-0.37%	-39.62%	33.63%	82.48%
Net Income	1.46	0.32	2.8	2.02	7.86	6.4
Earnings Per Share	0.54	0.12	1.08	0.89	3.65	3.06
EPS Growth	-8.73%	-88.86%	21.06%	-75.62%	19.28%	90.06%

Revenue by Segment

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Quaint Oak Bank	20.87	21.59	22.49	27.3	24.31
Oakmont Commercial, Llc	2.97	2.85	2.04	-	-
Total	23.85	24.44	24.53	40.63	30.4

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	59.04	54.46	63.9	59.92	7.73	18.63
Total Debt	17.75	21.78	69.86	50.98	179.68	61.02
Net Cash (Debt)	41.29	32.68	-5.95	8.94	-171.95	-42.39
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	15.51	12.41	-2.31	3.93	-79.87	-20.25

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-	4.15	32.61	78.36	-12.24	-37.36
Capital Expenditures	-	-0.65	-1.18	-0.49	-0.56	-0.62
Free Cash Flow	-	3.5	31.43	77.87	-12.8	-37.98
Free Cash Flow Growth	-	-88.86%	-59.64%	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	5.37%	1.35%	11.44%	8.24%	19.36%	21.07%
FCF Margin	-	14.69%	128.62%	317.48%	-31.50%	-124.93%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 15, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.160	0.340	0.520	0.520	0.500	0.420
Dividend Per Share Growth	-52.94%	-34.62%	0%	4.00%	19.05%	16.67%
Dividend Yield	1.02%	2.96%	4.99%	4.54%	2.26%	2.22%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 15, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	28.93	92.82	9.66	13.38	6.07	5.89
P/FCF Ratio	2.35	8.54	0.86	0.35	-	-
PS Ratio	1.52	1.25	1.11	1.10	1.18	1.24