📊 QNTO Key Takeaways
Is Quaint Oak Bancorp, Inc.. (QNTO) a Good Investment?
Quaint Oak Bancorp exhibits a critical profitability crisis despite exceptional 127% revenue growth, with interest coverage of 0.1x indicating the company cannot sustain current debt service from operating income. Margins have collapsed (1.6% operating, 0.8% net) and diluted EPS declined 89% YoY, signaling deteriorating operational efficiency that undermines the value of revenue expansion. While the fortress balance sheet and positive free cash flow provide temporary financial stability, the fundamental business economics are unsustainable.
Quaint Oak Bancorp, Inc.. Key Strengths (QNTO)
- Robust revenue growth of 126.9% year-over-year demonstrates market expansion
- Strong balance sheet with minimal leverage (0.04x debt-to-equity) and substantial cash reserves of 53.5M
- Positive free cash flow generation of 4.0M provides operational liquidity cushion
QNTO Stock Risks: Quaint Oak Bancorp, Inc.. Investment Risks
- Critical interest coverage of 0.1x is unsustainable—operating income cannot service interest expenses, indicating financial distress
- Profitability metrics have deteriorated severely with diluted EPS down 88.9% YoY despite revenue doubling
- Extremely thin operating margins (1.6%) and net margins (0.8%) for a financial institution suggest structural cost problems or asset quality issues
Key Metrics to Watch
- Interest coverage ratio trend—must improve above 1.5x for viability
- Operating and net margin progression—expansion essential to validate growth quality
- Net income sustainability—verify whether 322K earnings level is repeatable or anomalous
Quaint Oak Bancorp, Inc.. (QNTO) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
QNTO Profit Margin, ROE & Profitability Analysis
QNTO vs Finance Sector: How Quaint Oak Bancorp, Inc.. Compares
How Quaint Oak Bancorp, Inc.. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Quaint Oak Bancorp, Inc.. Stock Overvalued? QNTO Valuation Analysis 2026
Based on fundamental analysis, Quaint Oak Bancorp, Inc.. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Quaint Oak Bancorp, Inc.. Balance Sheet: QNTO Debt, Cash & Liquidity
QNTO Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Quaint Oak Bancorp, Inc..'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.08 reflects profitable operations.
QNTO Revenue Growth, EPS Growth & YoY Performance
Quaint Oak Bancorp, Inc.. Dividends, Buybacks & Capital Allocation
QNTO SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Quaint Oak Bancorp, Inc.. (CIK: 0001391933)
📋 Recent SEC Filings
❓ Frequently Asked Questions about QNTO
What is the AI rating for QNTO?
Quaint Oak Bancorp, Inc.. (QNTO) has an AI grade of C with 88% confidence, based on fundamental analysis of SEC EDGAR filings.
What are QNTO's key strengths?
Claude: Robust revenue growth of 126.9% year-over-year demonstrates market expansion. Strong balance sheet with minimal leverage (0.04x debt-to-equity) and substantial cash reserves of 53.5M.
What are the risks of investing in QNTO?
Claude: Critical interest coverage of 0.1x is unsustainable—operating income cannot service interest expenses, indicating financial distress. Profitability metrics have deteriorated severely with diluted EPS down 88.9% YoY despite revenue doubling.
What is QNTO's revenue and growth?
Quaint Oak Bancorp, Inc.. reported revenue of $40.6M.
Does QNTO pay dividends?
Quaint Oak Bancorp, Inc.. pays dividends, with $0.9M distributed to shareholders in the trailing twelve months.
Where can I find QNTO SEC filings?
Official SEC filings for Quaint Oak Bancorp, Inc.. (CIK: 0001391933) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is QNTO's EPS?
Quaint Oak Bancorp, Inc.. has a diluted EPS of $0.12.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is QNTO's fundamental grade?
Based on our AI fundamental analysis in June 2026, Quaint Oak Bancorp, Inc.. has a C grade with 88% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is QNTO stock overvalued or undervalued?
Valuation metrics for QNTO: ROE of 0.6% (sector avg: 12%), net margin of 0.8% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is QNTO's AI grade for 2026?
Our dual AI analysis gives Quaint Oak Bancorp, Inc.. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is QNTO's free cash flow?
Quaint Oak Bancorp, Inc..'s operating cash flow is $4.2M, with capital expenditures of $103.0K. FCF margin is 10.0%.
How does QNTO compare to other Finance stocks?
Vs Finance sector averages: Net margin 0.8% (avg: 25%), ROE 0.6% (avg: 12%), current ratio N/A (avg: 1.2).