Quaint Oak Bancorp Inc (QNTO) fair value: what the stock is really worth
As of Oct 23, 2026: fair value (intrinsic value) of Quaint Oak Bancorp Inc stock $14.47, price $14.75, upside -1.9%, quality 49 out of 100. Rating: fairly valued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Fair value above price?No
Good quality?No
Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with oneYes, for free
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 26, 2026.
How to read this chart
60‑month range $8.28 – $21.90 · fair‑value band $10.85 – $18.09 · the $14.75 price screens above the $14.47 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 26, 2026.
Follow Quaint Oak Bancorp in your weekly email
Every Wednesday you see whether Quaint Oak Bancorp is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Quaint Oak Bancorp, Inc. operates as the holding company for Quaint Oak Bank that provides banking products and services in Pennsylvania.
Show moreShow less
It offers deposit products, such as money market, certificates of deposit, interest-bearing business checking accounts, non-interest-bearing business and consumer checking, and savings accounts.
The company also provides commercial real estate, commercial business, one-to-four family residential non-owner and owner-occupied, multi-family residential loans, construction, and home equity loans, as well as multi-state equipment financing services.
In addition, it conducts mortgage banking, multi-state specialty commercial real estate financing, title abstract, and insurance businesses. The company was incorporated in 1926 and is headquartered in Southampton, Pennsylvania.
Stock analysis
Quaint Oak Bancorp Inc (QNTO) currently trades at $14.75, while our model-based Fair Value estimate is $14.47, so the stock looks roughly fairly valued today (gap 1.9%).
Show more
Valuation
Bull case: the Asset-Based group reads highest at a median of $13.10 per share, and 1 of the 4 models we run sit above the $14.75 price.
Bear case: the Multiples group reads lowest at $1.58, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $10.85 (bear) to $18.09 (bull), the price of $14.75 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Quaint Oak Bancorp Inc reported revenue of $25.1M in FY2025 versus $32.6M in FY2021, a compound −6.4%/yr. Reported net income was $322K in FY2025, compounding −52.6%/yr from FY2021.
Key figures
Market cap $38.9M Micro · P/E ratio 50.9 · P/S ratio 1.55 · EPS (TTM) $0.2900 · Dividend yield 1.1% · Net margin 3.1% · Return on equity 1.5% · Return on assets (EBIT) 1.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 30 out of 100 (low confidence).
What moves the price
The share trades about 16% below its 52-week high and 68% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −2%, QNTO screens cheaper than that median.
Fair Value models
Bear$10.85Fair Value $14.47Bull$18.09
Price $14.75 · Upside -1.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.1065 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+2.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−16.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.5%
Start year 2020 (pandemic). Over 10 years: +12.1% a year
Revenue growth 17 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.9%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−39.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year−40.5%
Dividend (yield on the price)1.1%
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+5.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +3.2% a year for the price.
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1053 stocks
Beats the industry median on 3/13 measures
Overall it trails its industry peers.
Valuation
Quality Score49 · Below median
Fair Value upside−1.9% · Above median
Profitability
Return on equity (12 months)1.5% · Bottom 25%
Return on assets0.1% · Bottom 25%
Net margin (12 months)3.1% · Bottom 25%
Operating margin (12 months)14.1% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)6.1% · Below median
Dividend yield (12 months)1.1% · Bottom 25%
Balance sheet
Debt / equity0.34× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Quaint Oak Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/QNTO
Frequently asked questions
Is Quaint Oak Bancorp Inc (QNTO) overvalued or undervalued?
As of Oct 26, 2026, our model estimates a fair value of $14.47 versus a price of $14.75, about −2% upside (fairly valued).
What is the fair value of QNTO?
Our model-based fair value for Quaint Oak Bancorp Inc is $14.47 (as of Oct 26, 2026), built from audited fundamentals. The current price: $14.75.
What is the quality score of QNTO?
Quaint Oak Bancorp Inc has a Quality Score of 49/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Quaint Oak Bancorp Inc (QNTO)?
Our model-based price target is the fair value of $14.47 (as of Oct 26, 2026) from 4 valuation models. Cautious scenario $10.85, optimistic scenario $18.09. It is a calculation from audited fundamentals, not an analyst target.
What is the Quaint Oak Bancorp Inc stock forecast for 2026?
Our models put fair value at $14.47, about −2% upside versus a price of $14.75 (fairly valued). Cautious scenario $10.85, optimistic scenario $18.09. The calculation is refreshed regularly with new filings.
What is the revenue of Quaint Oak Bancorp Inc (QNTO)?
Quaint Oak Bancorp Inc reported trailing-twelve-month revenue of about $25.2M (latest available figure, as of Oct 26, 2026).
Does Quaint Oak Bancorp Inc pay a dividend?
Quaint Oak Bancorp Inc currently shows a dividend yield of 1.08% relative to its recent price (as of Oct 26, 2026).
What growth is priced into Quaint Oak Bancorp Inc (QNTO)?
For today's price to be fair in a discounted-cash-flow model, Quaint Oak Bancorp Inc would have to grow free cash flow by +5.7 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +7.5 % per year. As of Oct 26, 2026.
What discount rate (WACC) does the fair value of QNTO use?
Our models discount Quaint Oak Bancorp Inc at 9.7 %: a base by market capitalisation (nano), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Quaint Oak Bancorp Inc that is +5.7 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has Quaint Oak Bancorp Inc (QNTO) delivered so far?
Over the past 5 years revenue at Quaint Oak Bancorp Inc grew +7.5 % a year. The price currently implies +5.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Quaint Oak Bancorp Inc (QNTO) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into Quaint Oak Bancorp Inc (+5.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Quaint Oak Bancorp Inc (QNTO)?
The free-cash-flow yield on the price is 9.00 %: that much free cash flow Quaint Oak Bancorp Inc produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Quaint Oak Bancorp Inc (QNTO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Quaint Oak Bancorp Inc it is $14.47 per share (as of Oct 26, 2026), against a price of $14.75. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Quaint Oak Bancorp Inc stock overvalued or undervalued in 2026?
As of Oct 26, 2026, QNTO trades above its calculated fair value: price $14.75, fair value $14.47, a gap of about −2% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of QNTO?
No. The price is what the market pays today ($14.75); the fair value is what the company's own numbers justify ($14.47). For Quaint Oak Bancorp Inc the two are $0.2800 per share apart. That gap is exactly why we show both numbers side by side.
How much is Quaint Oak Bancorp Inc worth?
The market values Quaint Oak Bancorp Inc at about $38.9M (market capitalisation, as of Oct 26, 2026). Per share that is $14.75; our models calculate a fair value of $14.47 per share.
What do the bullish and bearish scenarios say about QNTO?
Our models span a range for Quaint Oak Bancorp Inc: cautious scenario $10.85, base $14.47, optimistic $18.09 per share (as of Oct 26, 2026, price $14.75). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of QNTO?
Quaint Oak Bancorp Inc trades at a price-to-earnings ratio of 50.9 (as of Oct 26, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $14.47 is built from several models across several years. Other multiples: P/B 0.7, P/S 1.5.
How solid is the balance sheet of Quaint Oak Bancorp Inc (QNTO)?
Balance-sheet figures for Quaint Oak Bancorp Inc (as of Oct 26, 2026): return on equity 1.5%, debt of 0.34 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is QNTO from its 52-week high?
Quaint Oak Bancorp Inc trades at $14.75, about 16% below its 52-week high of $17.59 and 68% above the low of $8.79 (as of Oct 23, 2026). Distance from the high says nothing about value: that is what the fair value of $14.47 is for.
Which stocks are comparable to Quaint Oak Bancorp Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Quaint Oak Bancorp Inc stock attractive at the current price?
The data as of Oct 26, 2026: price $14.75, calculated fair value $14.47 (−2%), Quality Score 49/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of QNTO calculated?
We run Quaint Oak Bancorp Inc through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $14.47, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 12.5 % above its aggregate fair value. Quaint Oak Bancorp Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Quaint Oak Bancorp Inc (QNTO)?
The closing price on Oct 23, 2026 was $14.75. Our model-based fair value is $14.47, about −2% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Quaint Oak Bancorp Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Quaint Oak Bancorp Inc
How large is the market capitalisation of Quaint Oak Bancorp Inc (QNTO)?
The market capitalisation of Quaint Oak Bancorp Inc is $38.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Quaint Oak Bancorp Inc (QNTO)?
The price-to-sales ratio of Quaint Oak Bancorp Inc is 1.55 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Quaint Oak Bancorp Inc (QNTO)?
Earnings per share at Quaint Oak Bancorp Inc are $0.2900 (price ÷ EPS = P/E 50.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Quaint Oak Bancorp Inc (QNTO)?
The dividend yield of Quaint Oak Bancorp Inc is 1.1% (payout 55.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Quaint Oak Bancorp Inc (QNTO)?
The net margin of Quaint Oak Bancorp Inc is 3.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Quaint Oak Bancorp Inc (QNTO)?
The return on equity (ROE) of Quaint Oak Bancorp Inc is 1.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Quaint Oak Bancorp Inc (QNTO)?
On an EBIT basis the return on assets of Quaint Oak Bancorp Inc is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Quaint Oak Bancorp Inc (QNTO)?
The operating margin of Quaint Oak Bancorp Inc is 14.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Quaint Oak Bancorp Inc (QNTO)?
Revenue at Quaint Oak Bancorp Inc is growing +6.1% versus a year earlier (3y avg −16.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Quaint Oak Bancorp Inc (QNTO)?
Earnings per share at Quaint Oak Bancorp Inc are growing +80.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Quaint Oak Bancorp Inc (QNTO) carry?
The net debt of Quaint Oak Bancorp Inc is $6.0M (fiscal year 2024, ≈ 1.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch Quaint Oak Bancorp Inc in the live analysis
One click puts Quaint Oak Bancorp Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 28,000+ stock screener.
Some data
Oct 26, 2026