Quaint Oak Bancorp Inc Financials
This page shows Quaint Oak Bancorp Inc (QNTO) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Quaint Oak Bancorp Inc has an operating margin of 7.9%, meaning the company retains $8 of operating profit per $100 of revenue. This results in a moderate score of 39/100, indicating healthy but not exceptional operating efficiency. This is down from 8.0% the prior year.
Quaint Oak Bancorp Inc's revenue declined 3.3% year-over-year, from $44.9M to $43.4M. This contraction results in a growth score of 19/100.
Quaint Oak Bancorp Inc has elevated debt relative to equity (D/E of 12.02), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Quaint Oak Bancorp Inc generates a 5.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 21/100. This is up from 4.2% the prior year.
Quaint Oak Bancorp Inc passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Quaint Oak Bancorp Inc generates $11.67 in operating cash flow ($32.6M OCF vs $2.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Quaint Oak Bancorp Inc earns $0.1 in operating income for every $1 of interest expense ($3.4M vs $25.6M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Quaint Oak Bancorp Inc generated $43.4M in revenue in fiscal year 2024. This represents a decrease of 3.3% from the prior year.
Quaint Oak Bancorp Inc's EBITDA was $4.1M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 0.3% from the prior year.
Quaint Oak Bancorp Inc reported $2.8M in net income in fiscal year 2024. This represents an increase of 38.4% from the prior year.
Quaint Oak Bancorp Inc earned $1.08 per diluted share (EPS) in fiscal year 2024. This represents an increase of 21.3% from the prior year.
Quaint Oak Bancorp Inc held $63.0M in cash against $0 in long-term debt as of fiscal year 2024.
Quaint Oak Bancorp Inc paid $0.52 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.
Quaint Oak Bancorp Inc had 3M shares outstanding in fiscal year 2024. This represents an increase of 9.1% from the prior year.
Quaint Oak Bancorp Inc's operating margin was 7.9% in fiscal year 2024, reflecting core business profitability. This is down 0.2 percentage points from the prior year.
Quaint Oak Bancorp Inc's net profit margin was 6.4% in fiscal year 2024, showing the share of revenue converted to profit. This is up 1.9 percentage points from the prior year.
Quaint Oak Bancorp Inc's ROE was 5.3% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 1.1 percentage points from the prior year.
Quaint Oak Bancorp Inc spent $150K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 65.4% from the prior year.
QNTO Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $10.2M-0.2% | $10.2M+2.7% | $9.9M-0.2% | $9.9M-5.0% | $10.5M-3.9% | $10.9M-10.1% | $12.1M+10.3% | $11.0M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | -$11K-102.3% | $482K+695.1% | -$81K-103.9% | $2.1M+410.0% | $411K+124.6% | $183K-75.0% | $731K-76.7% | $3.1M |
| Interest Expense | $5.8M+1.5% | $5.7M-1.6% | $5.8M-1.3% | $5.9M-5.8% | $6.2M-8.8% | $6.8M+1.7% | $6.7M-3.0% | $6.9M |
| Income Tax | $30K-85.7% | $210K+10400.0% | $2K-99.7% | $675K+301.8% | $168K+102.4% | $83K-68.6% | $264K-54.5% | $580K |
| Net Income | -$41K-115.1% | $272K+427.7% | -$83K-105.3% | $1.6M+549.8% | $243K+143.0% | $100K-88.5% | $873K-23.6% | $1.1M |
| EPS (Diluted) | $-0.02-120.0% | $0.10+433.3% | $-0.03-105.1% | $0.59+555.6% | $0.09+125.0% | $0.04-88.9% | $0.36-28.0% | $0.50 |
QNTO Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $677.1M+0.9% | $670.8M+3.1% | $650.4M-5.1% | $685.2M-2.3% | $701.6M0.0% | $701.9M-9.5% | $775.5M+2.8% | $754.1M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $52.3M+7.0% | $48.9M+0.1% | $48.9M-22.4% | $63.0M+2.7% | $61.3M-18.8% | $75.6M-48.3% | $146.3M+152.3% | $58.0M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $515K0.0% | $515K0.0% | $515K0.0% | $515K0.0% | $515K0.0% | $515K0.0% | $515K0.0% | $515K |
| Total Liabilities | $625.0M+1.0% | $618.5M+3.4% | $598.1M-5.4% | $632.6M-2.7% | $650.2M0.0% | $650.5M-10.3% | $725.4M+3.2% | $702.6M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $52.2M-0.2% | $52.3M0.0% | $52.3M-0.7% | $52.6M+2.4% | $51.4M0.0% | $51.4M+2.5% | $50.1M+3.4% | $48.5M |
| Retained Earnings | $32.6M-0.4% | $32.7M-0.2% | $32.8M-1.3% | $33.2M+3.9% | $32.0M-0.3% | $32.1M-0.7% | $32.3M+1.8% | $31.7M |
QNTO Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.5M+147.2% | -$5.4M-142.0% | $12.8M+146.6% | $5.2M+2839.2% | $176K+104.7% | -$3.8M-112.1% | $31.0M-27.2% | $42.6M |
| Capital Expenditures | $14K+7.7% | $13K-63.9% | $36K+100.0% | $18K-33.3% | $27K-46.0% | $50K-5.7% | $53K-38.4% | $86K |
| Free Cash Flow | $886K+219.2% | -$743K+55.7% | -$1.7M-211.1% | $1.5M+37.4% | $1.1M+121.5% | -$5.1M-712.1% | $836K+574.2% | $124K |
| Investing Cash Flow | -$5.0M+65.9% | -$14.8M-295.5% | $7.6M-57.5% | $17.8M+225.7% | -$14.1M-324.6% | $6.3M-70.8% | $21.5M+6.0% | $20.3M |
| Financing Cash Flow | $5.9M-70.7% | $20.2M+158.5% | -$34.4M-61.8% | -$21.3M-7615.2% | -$276K+99.6% | -$73.3M-305.0% | $35.8M+331.1% | -$15.5M |
| Dividends Paid | $105K-69.3% | $342K+0.3% | $341K-0.3% | $342K0.0% | $342K0.0% | $342K+9.6% | $312K+5.8% | $295K |
| Share Buybacks | $14K+173.7% | -$19K-103.0% | $631K+518.6% | $102K+2450.0% | $4K-93.2% | $59K-48.7% | $115K | $0 |
QNTO Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | -0.1%-4.8pp | 4.7%+5.5pp | -0.8%-21.9pp | 21.1%+17.1pp | 3.9%+2.2pp | 1.7%-4.3pp | 6.0%-22.6pp | 28.6% |
| Net Margin | -0.4%-3.1pp | 2.7%+3.5pp | -0.8%-16.7pp | 15.9%+13.6pp | 2.3%+1.4pp | 0.9%-6.3pp | 7.2%-3.2pp | 10.4% |
| Return on Equity | 2.1%+1.5pp | 0.5%-0.7pp | 1.2%-1.8pp | 3.0%+2.5pp | 0.5%+0.3pp | 0.2%-1.5pp | 1.7%-0.6pp | 2.4% |
| Return on Assets | -0.0%-0.1pp | 0.0%+0.1pp | -0.0%-0.2pp | 0.2%+0.2pp | 0.0%+0.0pp | 0.0%-0.1pp | 0.1%-0.0pp | 0.1% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 11.98+0.1 | 11.84+0.4 | 11.44-0.6 | 12.02-0.6 | 12.650.0 | 12.66-1.8 | 14.47-0.0 | 14.49 |
| FCF Margin | 47.1%+88.9pp | -41.8%+53.6pp | -95.3%-185.2pp | 89.8%+19.5pp | 70.3%+217.5pp | -147.2%-171.7pp | 24.6%+20.1pp | 4.4% |
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Frequently Asked Questions
What is Quaint Oak Bancorp Inc's annual revenue?
Quaint Oak Bancorp Inc (QNTO) reported $43.4M in total revenue for fiscal year 2024. This represents a -3.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Quaint Oak Bancorp Inc's revenue growing?
Quaint Oak Bancorp Inc (QNTO) revenue declined by 3.3% year-over-year, from $44.9M to $43.4M in fiscal year 2024.
Is Quaint Oak Bancorp Inc profitable?
Yes, Quaint Oak Bancorp Inc (QNTO) reported a net income of $2.8M in fiscal year 2024, with a net profit margin of 6.4%.
What is Quaint Oak Bancorp Inc's earnings per share (EPS)?
Quaint Oak Bancorp Inc (QNTO) reported diluted earnings per share of $1.08 for fiscal year 2024. This represents a 21.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Quaint Oak Bancorp Inc's EBITDA?
Quaint Oak Bancorp Inc (QNTO) had EBITDA of $4.1M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.
What is Quaint Oak Bancorp Inc's operating margin?
Quaint Oak Bancorp Inc (QNTO) had an operating margin of 7.9% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.
What is Quaint Oak Bancorp Inc's net profit margin?
Quaint Oak Bancorp Inc (QNTO) had a net profit margin of 6.4% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Quaint Oak Bancorp Inc pay dividends?
Yes, Quaint Oak Bancorp Inc (QNTO) paid $0.52 per share in dividends during fiscal year 2024.
What is Quaint Oak Bancorp Inc's return on equity (ROE)?
Quaint Oak Bancorp Inc (QNTO) has a return on equity of 5.3% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Quaint Oak Bancorp Inc's operating cash flow?
Quaint Oak Bancorp Inc (QNTO) generated $32.6M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Quaint Oak Bancorp Inc's total assets?
Quaint Oak Bancorp Inc (QNTO) had $685.2M in total assets as of fiscal year 2024, including both current and long-term assets.
Does Quaint Oak Bancorp Inc buy back shares?
Yes, Quaint Oak Bancorp Inc (QNTO) spent $150K on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does Quaint Oak Bancorp Inc have outstanding?
Quaint Oak Bancorp Inc (QNTO) had 3M shares outstanding as of fiscal year 2024.
What is Quaint Oak Bancorp Inc's debt-to-equity ratio?
Quaint Oak Bancorp Inc (QNTO) had a debt-to-equity ratio of 12.02 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Quaint Oak Bancorp Inc's return on assets (ROA)?
Quaint Oak Bancorp Inc (QNTO) had a return on assets of 0.4% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Quaint Oak Bancorp Inc's Piotroski F-Score?
Quaint Oak Bancorp Inc (QNTO) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Quaint Oak Bancorp Inc's earnings high quality?
Quaint Oak Bancorp Inc (QNTO) has an earnings quality ratio of 11.67x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Quaint Oak Bancorp Inc cover its interest payments?
Quaint Oak Bancorp Inc (QNTO) has an interest coverage ratio of 0.1x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Quaint Oak Bancorp Inc?
Quaint Oak Bancorp Inc (QNTO) scores 20 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.