Quaint Oak Bancorp (QNTO) stock price is $15.00, up 1.69% on the day, as of Nov 10, 2026. It has a market cap of $39.77Mn and a P/E ratio of 27.27, and is classified in the Thrifts and Savings Banks industry (Financial Services sector).
Enterprise Value
Margins
P/FCF
Key Stats
Market Cap39.77 Mn
P/E27.27
FCF (Yr)3.50 Mn
ROA (Yr)0.05
EV to EBIT-7.10
Net Income (Yr)322,000.00
Enterprise Value39.77 Mn
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About
Quaint Oak Bancorp, Inc. is a savings and loan holding company that owns Quaint Oak Bank and its six wholly owned subsidiaries. The bank provides traditional banking services such as taking deposits, making commercial and consumer loans, and offering related financial products. Its subsidiaries engage in mortgage banking, title abstract services, insurance agency, commercial real estate financing, and property holding. As of June 30, 2024, the company reported total assets…
Quaint Oak Bancorp, Inc. is a savings and loan holding company that owns Quaint Oak Bank and its six wholly owned subsidiaries. The bank provides traditional banking services such as taking deposits, making commercial and consumer loans, and offering related financial products. Its subsidiaries engage in mortgage banking, title abstract services, insurance agency, commercial real estate financing, and property holding. As of June 30, 2024, the company reported total assets of $701.9 million and operated primarily in the Lehigh Valley, Delaware Valley, and Philadelphia County regions of Pennsylvania.
Revenue is generated mainly from net interest income, which is the difference between interest earned on loans and investments and interest paid on deposits and borrowings. The company also earns fee income from mortgage banking, equipment lending, title abstract services, insurance commissions, and gains on the sale of loans. For the six months ended June 30, 2024, net interest income amounted to $9.5 million and non-interest income totaled $2.2 million. Additional revenue comes from other service charges and gains on the sale of assets.
Quaint Oak Bancorp competes with regional banks, national banks, and other thrift institutions in the Pennsylvania market. Its competitive advantages stem from deep local relationships, a diversified suite of financial services through its subsidiaries, and a strong capital position. At June 30, 2024, the bank exceeded regulatory requirements with tier 1 leverage ratio of 9.59%, common equity tier 1 ratio of 12.64%, tier 1 risk-based ratio of 12.64%, and total risk-based ratio of 13.89%.
The company serves retail depositors, borrowers seeking residential and commercial mortgages, and clients needing title abstract, insurance, and commercial real estate financing services. It also works with small and medium sized businesses looking for loans and deposit products. Specific customer names are not disclosed in the filing, so the base is described by these customer types.
Sector:Financial ServicesSector rationaleThe company is a savings and loan holding company that generates the vast majority of its revenue from net interest income via deposits and loans. Its core activities—commercial and consumer lending, mortgage banking, and insurance agency services—all fall under the Financial Services sector.Industries:+1 moreThrifts and Savings BanksThrifts and Savings BanksPrimaryQuaint Oak Bancorp is explicitly described as a savings and loan holding company that operates as a thrift institution. Its core business involves taking deposits and providing residential and commercial mortgages, which aligns with the F-03 classification for savings institutions.Mortgage LendingMortgage LendingSecondaryThe company operates subsidiaries specifically engaged in mortgage banking and generates fee income from the sale of loans, indicating a substantive mortgage origination and servicing business.Insurance BrokersInsurance BrokersSecondaryThe company owns an insurance agency subsidiary and earns revenue through insurance commissions, acting as an intermediary between carriers and clients.Classified using BQ-MICSCIK: 0001391933
Peer percentiles
How Quaint Oak Bancorp ranks
Ranked against the 379 companies in Banking·58 metrics · as of Nov 11, 2026
Valuation
12 metrics · Lower multiples rank higher; a negative multiple ranks last
WorseBetterPeer median
P/E27.3xMedian 12.0x15th
P/FCF2.23xMedian 10.6x98th
P/Operating cash flow—Median 9.56xNo data—
P/S1.49xMedian 3.41x92nd
P/B0.74xMedian 1.24x92nd
P/Tangible book0.76xMedian 1.27x91st
EV/EBITDA—Median 5.13xNo data—
EV/EBIT—Median 5.28xNo data—
EV/Revenue—Median 3.68xNo data—
EV/FCF—Median 11.4xNo data—
EV/Operating cash flow—Median 10.6xNo data—
PEG (3Y EPS CAGR)EPS is not growing−1.68Median 1.28Not meaningful—
Growth
14 metrics · Year-on-year growth and three-year compound annual growth