Quaint Oak Bancorp Inc (QNTO) fair value: what the stock is really worth
We calculate from audited financials what Quaint Oak Bancorp Inc is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.
Compare price with fair valuebelow fair value = cheap, above = expensive
Check the quality50 and up solid, 75 and up strong
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Financial Services · US · Market cap $44.5M · ISIN US74732T1060
At a glance
QOQuaint Oak Bancorp IncQNTO · US
Price$14.50
Fair Value$1.82
Upside−87.5% ⚠
Quality48/100
Structural break:
The valuation model sees a lasting decline in earnings power for this stock, the confidence band is broken. Treat the target with caution.
Below-average quality, and trading another 697% above our fair value of $1.82.
As of Sep 3, 2026, the fair value of Quaint Oak Bancorp Inc is $1.82 per share against a price of $14.50, so the fair value sits 87% below the price. A model estimate from reported figures, not an analyst target.
!Weak Growth (revenue 5y +7.5 %/yr)
!Thin margins · 2.3% net margin
✓Low debt · generates free cash flow
·1.72% dividend yield
!Trails peers (3/13)
!Narrow moat 25/100
!Evidence only low, so the estimate is less certain
!Weak on past: 4 out of 100
Evidence: LowRange $1.37 to $2.27
Fair value as of: Sep 3, 2026
From 4 valuation models · updated 8 days ago
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69 individual criteria per stock, every one traceable See the method →
What matters now
The price sits above even our optimistic bull case ($2.27). The favourable scenario is already priced in.
The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Solid but not exceptional quality (48/100) and above fair value, neither a clear bargain nor a standout compounder.
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 3, 2026.
How to read this chart
60‑month range $8.28 – $21.90 · fair‑value band $1.37 – $2.27 · the $14.50 price screens above the $1.82 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 3, 2026.
Quaint Oak Bancorp Inc (QNTO) currently trades at $14.50, while our model-based Fair Value estimate is $1.82, implying the stock looks roughly 696.8% overvalued today. The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector. Bull case: the Asset-Based group reads highest at a median of $13.26 per share, and 0 of the 4 models we run sit above the $14.50 price. Bear case: the Multiples group reads lowest at $1.58, and 4 of the 4 models stay below the price. Evidence for this calculation is low.
Over the trailing twelve months, Quaint Oak Bancorp Inc generated revenue of $24.8M at a net margin of 2.3%. Revenue grew 17.3% year over year. It earns a return on equity of 1.1%. Net debt stands at $6.0M. Fundamentals as of Sep 3, 2026
Scenario range: $1.37 (bear) to $2.27 (bull), the price of $14.50 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 18% below its 52-week high and 65% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −13% fair-value upside, at −87%, QNTO screens richer than that median.
Fair Value models
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
ModelBear ⓘ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.Evidence
Highest evidence
Residual Income best evidence$11.99$10.57$6.3874
P/E Multiple$1.19$1.58$1.9863
P/B Multiple$1.55$2.07$2.5955
All 4 models by family
Multiples
P/E Multiple$1.19$1.58$1.9863
P/B Multiple$1.55$2.07$2.5955
Asset-Based
NCAV (Graham)$9.90$13.26$19.8054
Economic Profit
Residual Income best evidence$11.99$10.57$6.3874
Widest divergence: Asset-Based ($13.26) versus Multiples ($1.58). Highest evidence: Residual Income (74).
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Key figures & financial health
P/E ratio69.0
P/S ratio0.89P/E × margin
EPS (TTM)$0.2100price ÷ EPS = P/E 69.0
Dividend yield1.7%payout 119%
Net margin1.3%FY2025
Return on equity1.1%TTM
More key figures
Profitability
Return on assets (EBIT)1.1%avg 5y
Operating margin7.2%TTM
Growth
Revenue (TTM)$24.8MTTM
Revenue growth (YoY)+17.3%3y avg −16.5%
EPS growth (YoY)−88.7%
Balance sheet & cash flow
Free cash flow$3.5MFY2025
Net debt$6.0MFY2024 · ≈ 1.7 yrs of FCF
Figures from reported company fundamentals · as of Sep 3, 2026. TTM = trailing twelve months.
Quality Score breakdown
Overall quality48/100
Of which business quality 48
· Market factors (momentum, volatility) 72
Profitability11
Margins and returns on capital today
Quality Growth55
Are margins and returns improving?
Cashflow77
Earnings quality: real cash, not paper profit
Fin. Strength27
Balance sheet, leverage, solvency risk
Investment95
Disciplined investing over empire-building
Low Volatility87
Calm price path (market factor)
Momentum64
Price trend over the last 3–12 months (market factor)
52W Momentum71
Distance to the 52-week high (market factor)
Net Issuance43
Buybacks instead of dilution
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Quaint Oak Bancorp, Inc. operates as the holding company for Quaint Oak Bank that provides banking products and services in Pennsylvania. 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.
Full company description
Quaint Oak Bancorp, Inc. operates as the holding company for Quaint Oak Bank that provides banking products and services in Pennsylvania. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
Growth Quality 40/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
$25.1M
Latest YoY
+2.3%
Avg. revenue growth/yr (3Y) ⓘ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.
−16.5%
Avg. revenue growth/yr (5Y) ⓘ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.
+7.5%
Avg. revenue growth/yr (17Y) ⓘ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.
+9.9%
Value creation/yr (5Y) ⓘEarnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year.
−38.8%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share−40.5%
Dividend yield1.7%
Operating margin (EBIT) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.32.7% (2014) → 25.1% (2019) · falling
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Cite: Fair Value Calculator (2026). "Quaint Oak Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/QNTO
Peer Group
Banks - Regional · 1073 stocks
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.
Valuation
Quality Score49 · Below median
Fair Value upside−87% · Bottom 25%
Profitability
Return on equity (TTM)1% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)2% · Bottom 25%
Operating margin (TTM)7% · Bottom 25%
Growth and dividend
Revenue growth17% · Above median
Dividend yield (TTM)1.7% · Below median
Balance sheet
Debt / equity0.34× · Above median
Valuation Multiples vs Banks - Regional median · lower = cheaper
P/E (TTM)69.0× · Priciest 25%
P/B0.85× · Cheaper than median
P/S (TTM)1.80× · Cheapest 25%
P/FCF12.7× · Pricier than median
What the price implies (reverse DCF)
The inverse question: what free-cash-flow growth must Quaint Oak Bancorp Inc deliver for ten years so that today's price is fair in our DCF model? Same formula, same discount rate as the fair value.
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
This stockSector peers
VALUE0· sector 33
FUTURE87· sector 44
PAST4· sector 41
HEALTH83· sector 85
DIVIDEND34· sector 51
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Sep 3, 2026).
Is Quaint Oak Bancorp Inc (QNTO) overvalued or undervalued?
As of Sep 3, 2026, our model estimates a fair value of $1.82 versus a price of $14.50, about −87% upside (overvalued).
What is the fair value of QNTO?
Our model-based fair value for Quaint Oak Bancorp Inc is $1.82 (as of Sep 3, 2026), built from audited fundamentals. The current price: $14.50.
What is the quality score of QNTO?
Quaint Oak Bancorp Inc has a Quality Score of 48/100. 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 $1.82 (as of Sep 3, 2026) from 4 valuation models. Cautious scenario $1.37, optimistic scenario $2.27. 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 $1.82, about −87% upside versus a price of $14.50 (overvalued). Cautious scenario $1.37, optimistic scenario $2.27. 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 $24.8M (latest available figure, as of Sep 3, 2026).
What is the net profit margin of QNTO?
The net profit margin of Quaint Oak Bancorp Inc is about 2.3%, meaning it keeps roughly 2.3% of revenue as net income. Based on the latest reported figures.
Does Quaint Oak Bancorp Inc pay a dividend?
Quaint Oak Bancorp Inc currently shows a dividend yield of about 1.72% relative to its recent price (as of Sep 3, 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 +9.8 % per year for ten years (discount rate 12.7 %, then 2 % perpetual growth). Over the last 5 years revenue grew +7.5 % per year. As of Sep 3, 2026.
What discount rate (WACC) does the fair value of QNTO use?
Our models discount Quaint Oak Bancorp Inc at 12.7 %: a base by market capitalisation (micro), country premium for USA. The same rate applies in all 26 models.
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 $1.82 per share (as of Sep 3, 2026), against a price of $14.50. 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 Sep 3, 2026, QNTO trades above its calculated fair value: price $14.50, fair value $1.82, a gap of about −87% (overvalued). 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 ($14.50); the fair value is what the company's own numbers justify ($1.82). For Quaint Oak Bancorp Inc the two are $12.68 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 $44.5M (market capitalisation, as of Sep 3, 2026). Per share that is $14.50; our models calculate a fair value of $1.82 per share.
What do the bullish and bearish scenarios say about QNTO?
Our models span a range for Quaint Oak Bancorp Inc: cautious scenario $1.37, base $1.82, optimistic $2.27 per share (as of Sep 3, 2026, price $14.50). 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 69.0 (as of Sep 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $1.82 is built from several models across several years. Other multiples: P/B 0.9, P/S 1.8.
How solid is the balance sheet of Quaint Oak Bancorp Inc (QNTO)?
Balance-sheet figures for Quaint Oak Bancorp Inc (as of Sep 3, 2026): return on equity 1.1%, debt of 0.34 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is QNTO from its 52-week high?
Quaint Oak Bancorp Inc trades at $14.50, about 18% below its 52-week high of $17.59 and 65% above the low of $8.79 (as of Sep 3, 2026). Distance from the high says nothing about value: that is what the fair value of $1.82 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, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 3, 2026: price $14.50, calculated fair value $1.82 (−87%), Quality Score 48/100, 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 $1.82, 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 32.6 % 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 <a href="/is-it-worth-investing-now/">is it worth investing now</a>.
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Quaint Oak Bancorp Inc
QNTO · US