Quaint Oak Bancorp, Inc (QNTO) Fair Value & Analysis
Financial Services · US · Market cap $44.5M
Quaint Oak Bancorp, Inc
QNTO · US
Fair value as of: Jul 27, 2026
From 24 valuation models · updated yesterday
Share price −13.4% over the past month.
What matters now
- The price sits above even our optimistic bull case ($1.98). The favourable scenario is already priced in.
- Solid but not exceptional quality (55/100) 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 (12 months)
12‑month range $8.79 – $17.59 · fair‑value band $1.19 – $1.98 · the $14.05 price screens above the $1.58 fair value. As of Jul 27, 2026.
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Quaint Oak Bancorp, Inc (QNTO) currently trades at $14.05, while our model-based Fair Value estimate is $1.58, implying the stock looks roughly 88.8% overvalued today. We read business quality at 55/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
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 Jul 27, 2026
Our scenario range runs from $1.19 (bear case) to $1.98 (bull case); at $14.05, the current price sits above that range. The share trades about 20% below its 52-week high and 60% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 45% fair-value upside, at -89%, QNTO screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
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.
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.
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Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 4,850 IDR | 5,562 IDR | +15% |
| KB Financial Group 105560 | 171,600 KRW | 165,579 KRW | -4% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,880 IDR | 5,760 IDR | +100% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,000 IDR | 7,841 IDR | +96% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 94,500 KRW | 137,259 KRW | +45% |
| Hana Financial Group 086790 | 117,900 KRW | 139,000 KRW | +18% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 178.10 CLP | 92.69 CLP | -48% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 61,300 VND | 80,599 VND | +31% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.