What is Quaint Oak Bancorp Inc's earnings per share (EPS)?

Quaint Oak Bancorp Inc (QNTO) reported diluted earnings per share of $0.12 for fiscal year 2025. This represents a -88.9% 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.

Quaint Oak Bancorp Inc Financials

QNTO

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Quaint Oak Bancorp Inc (QNTO) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 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).

Rhea AI QNTO FY2025 2026-04-22

Balance-sheet shrinkage and sticky operating costs are compressing returns faster than lower funding expense can help.

From FY2023 to FY2025, total assets fell from $754.1M to $675.9M, showing a deliberately smaller balance sheet. Even with interest expense down to $22.7M, operating income was only $644K, so deleveraging has not restored profitability; fixed overhead and thinner earning spreads are taking most of the benefit.

The balance sheet looks less stretched than it did in FY2023: liabilities fell from $702.6M to $623.5M. Equity held near $52.3M, which means each dollar of capital now supports fewer liabilities; that usually improves resilience but also leaves a smaller asset base to generate income.

FY2025 showed very thin earnings capacity: net income was $322K against SG&A of $15.2M, so small revenue pressure now has an outsized effect on profit. Dividends of $894K exceeded net income, and return on assets was just 0.1%, suggesting shareholder payouts depended more on cash release and balance-sheet runoff than on current earnings.

Financial Health Signals

Financial Profile 13/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Quaint Oak Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

Quaint Oak Bancorp Inc has an operating margin of 1.6%, meaning the company retains $2 of operating profit per $100 of revenue. This results in a moderate score of 33/100, indicating healthy but not exceptional operating efficiency. This is down from 7.9% the prior year.

Growth

Quaint Oak Bancorp Inc's revenue declined 6.5% year-over-year, from $43.4M to $40.6M. This contraction results in a growth score of 25/100.

Leverage

Quaint Oak Bancorp Inc has elevated debt relative to equity (D/E of 11.92), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Returns

Quaint Oak Bancorp Inc generates a 0.6% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 17/100. This is down from 5.3% the prior year.

Piotroski F-Score Weak

3/9

Quaint Oak Bancorp Inc passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

12.89x

For every $1 of reported earnings, Quaint Oak Bancorp Inc generates $12.89 in operating cash flow ($4.2M OCF vs $322K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage At Risk

0.0x

Quaint Oak Bancorp Inc earns $0.0 in operating income for every $1 of interest expense ($644K vs $22.7M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$40.6M

YoY-6.5%

5Y CAGR+20.0%

10Y CAGR+17.0%

Quaint Oak Bancorp Inc generated $40.6M in revenue in fiscal year 2025. This represents a decrease of 6.5% from the prior year.

EBITDA

$1.4M

YoY-65.4%

5Y CAGR-21.8%

Quaint Oak Bancorp Inc's EBITDA was $1.4M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 65.4% from the prior year.

Net Income

$322K

YoY-88.5%

5Y CAGR-37.0%

10Y CAGR-12.8%

Quaint Oak Bancorp Inc reported $322K in net income in fiscal year 2025. This represents a decrease of 88.5% from the prior year.

EPS (Diluted)

$0.12

YoY-88.9%

5Y CAGR-40.5%

10Y CAGR-15.9%

Quaint Oak Bancorp Inc earned $0.12 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 88.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$53.5M

YoY-15.0%

5Y CAGR+9.6%

10Y CAGR+12.0%

Quaint Oak Bancorp Inc held $53.5M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.34

YoY-34.6%

5Y CAGR+0.0%

Quaint Oak Bancorp Inc paid $0.34 per share in dividends in fiscal year 2025. This represents a decrease of 34.6% from the prior year.

Shares Outstanding

YoY+0.6%

5Y CAGR+5.9%

10Y CAGR+3.7%

Quaint Oak Bancorp Inc had 3M shares outstanding in fiscal year 2025. This represents an increase of 0.6% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

1.6%

YoY-6.3pp

5Y CAGR-26.2pp

Quaint Oak Bancorp Inc's operating margin was 1.6% in fiscal year 2025, reflecting core business profitability. This is down 6.3 percentage points from the prior year.

Net Margin

0.8%

YoY-5.6pp

5Y CAGR-19.1pp

10Y CAGR-14.3pp

Quaint Oak Bancorp Inc's net profit margin was 0.8% in fiscal year 2025, showing the share of revenue converted to profit. This is down 5.6 percentage points from the prior year.

Return on Equity

0.6%

YoY-4.7pp

5Y CAGR-10.7pp

10Y CAGR-6.1pp

Quaint Oak Bancorp Inc's ROE was 0.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 4.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$44K

YoY-70.7%

5Y CAGR-33.9%

10Y CAGR+16.0%

Quaint Oak Bancorp Inc spent $44K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 70.7% from the prior year.

Capital Expenditures

N/A

QNTO Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$40.6M-6.5%	$43.4M-3.3%	$44.9M+38.4%	$32.5M+29.9%	$25.0M+53.1%	$16.3M
Cost of Revenue	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
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$15.2M+3.6%	$14.6M+5.7%	$13.8M-31.2%	$20.1M+29.6%	$15.5M+84.4%	$8.4M
Operating Income	$644K-81.2%	$3.4M-5.3%	$3.6M-73.0%	$13.4M+43.5%	$9.3M+105.3%	$4.5M
Interest Expense	$22.7M-11.3%	$25.6M-2.6%	$26.3M+199.7%	$8.8M+100.6%	$4.4M-20.3%	$5.5M
Income Tax	$322K-72.9%	$1.2M-3.1%	$1.2M-59.8%	$3.1M+22.6%	$2.5M+92.9%	$1.3M
Net Income	$322K-88.5%	$2.8M+38.4%	$2.0M-74.3%	$7.9M+22.8%	$6.4M+97.3%	$3.2M
EPS (Diluted)	$0.12-88.9%	$1.08+21.3%	$0.89-75.6%	$3.65+19.3%	$3.06+90.1%	$1.61

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$10.3M+1.7%	$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
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	$3.9M-3.0%	$4.0M+9.6%	$3.6M-0.2%	$3.6M-4.4%	$3.8M+9.6%	$3.5M-5.2%	$3.7M+0.3%	$3.7M
Operating Income	$254K+2409.1%	-$11K-102.3%	$482K+695.1%	-$81K-103.9%	$2.1M+410.0%	$411K+124.6%	$183K-75.0%	$731K
Interest Expense	$5.5M-5.1%	$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
Income Tax	$80K+166.7%	$30K-85.7%	$210K+10400.0%	$2K-99.7%	$675K+301.8%	$168K+102.4%	$83K-68.6%	$264K
Net Income	$174K+524.4%	-$41K-115.1%	$272K+427.7%	-$83K-105.3%	$1.6M+549.8%	$243K+143.0%	$100K-88.5%	$873K
EPS (Diluted)	N/A	$-0.02-120.0%	$0.10+433.3%	$-0.03	N/A	$0.09+125.0%	$0.04-88.9%	$0.36

QNTO Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$675.9M-1.4%	$685.2M-9.1%	$754.1M-4.8%	$792.4M+43.0%	$554.1M+14.5%	$484.1M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$53.5M-15.0%	$63.0M+8.6%	$58.0M+1390.0%	$3.9M-63.6%	$10.7M-68.4%	$33.9M
Inventory	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
Goodwill	$515K0.0%	$515K0.0%	$515K-80.0%	$2.6M0.0%	$2.6M+399.6%	$515K
Total Liabilities	$623.5M-1.4%	$632.6M-10.0%	$702.6M-5.5%	$743.3M+43.7%	$517.2M+13.6%	$455.3M
Current Liabilities	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
Total Equity	$52.3M-0.5%	$52.6M+8.5%	$48.5M+8.3%	$44.8M+28.8%	$34.8M+21.1%	$28.7M
Retained Earnings	$32.6M-1.7%	$33.2M+4.6%	$31.7M+2.8%	$30.9M+28.5%	$24.0M+30.1%	$18.5M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$675.9M-0.2%	$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
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$53.5M+2.4%	$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
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	$623.5M-0.2%	$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
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	$52.3M+0.3%	$52.2M-0.2%	$52.3M0.0%	$52.3M-0.7%	$52.6M+2.4%	$51.4M0.0%	$51.4M+2.5%	$50.1M
Retained Earnings	$32.6M+0.2%	$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

QNTO Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$4.2M-87.3%	$32.6M-58.4%	$78.4M+740.3%	-$12.2M+67.2%	-$37.4M+14.6%	-$43.8M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$3.9M-112.4%	$31.5M+21.4%	$25.9M+111.9%	-$218.0M-546.3%	-$33.7M+70.2%	-$113.2M
Financing Cash Flow	-$9.7M+83.6%	-$59.1M-16.5%	-$50.7M-122.7%	$223.4M+366.6%	$47.9M-72.8%	$176.3M
Dividends Paid	$894K-33.2%	$1.3M+15.9%	$1.2M+13.4%	$1.0M+21.3%	$839K+17.0%	$717K
Share Buybacks	$44K-70.7%	$150K-65.4%	$433K+783.7%	$49K+96.0%	$25K-92.8%	$349K

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	-$5.8M-328.4%	$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
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$8.4M+265.9%	-$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
Financing Cash Flow	-$1.3M-122.6%	$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
Dividends Paid	$106K+1.0%	$105K-69.3%	$342K+0.3%	$341K-0.3%	$342K0.0%	$342K0.0%	$342K+9.6%	$312K
Share Buybacks	-$1K-107.1%	$14K	N/A	N/A	$102K+2450.0%	$4K	N/A	N/A

QNTO Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	1.6%-6.3pp	7.9%-0.2pp	8.0%-33.1pp	41.2%+3.9pp	37.3%+9.5pp	27.8%
Net Margin	0.8%-5.6pp	6.4%+1.9pp	4.5%-19.7pp	24.2%-1.4pp	25.6%+5.7pp	19.9%
Return on Equity	0.6%-4.7pp	5.3%+1.1pp	4.2%-13.4pp	17.5%-0.9pp	18.4%+7.1pp	11.3%
Return on Assets	0.1%-0.4pp	0.4%+0.1pp	0.3%-0.7pp	1.0%-0.2pp	1.2%+0.5pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.92-0.1	12.02-2.5	14.49-2.1	16.59+1.7	14.87-1.0	15.85
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	2.5%+2.6pp	-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%
Net Margin	1.7%+2.1pp	-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%
Return on Equity	0.3%+0.4pp	-0.1%-0.6pp	0.5%+0.7pp	-0.2%-3.2pp	3.0%+2.5pp	0.5%+0.3pp	0.2%-1.5pp	1.7%
Return on Assets	0.0%+0.0pp	-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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.92-0.1	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
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Similar Companies

Elmer Bancorp ELMA

$27.0M

Pinnacle Banc PCLB

$33.7M

Victory VTYB

$44.0M

Grand Riv Comm Inc GNRV

$28.2M

JSB Financial JFWV

$31.7M

Frequently Asked Questions

What is Quaint Oak Bancorp Inc's annual revenue?

Quaint Oak Bancorp Inc (QNTO) reported $40.6M in total revenue for fiscal year 2025. This represents a -6.5% 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 6.5% year-over-year, from $43.4M to $40.6M in fiscal year 2025.

Is Quaint Oak Bancorp Inc profitable?

Yes, Quaint Oak Bancorp Inc (QNTO) reported a net income of $322K in fiscal year 2025, with a net profit margin of 0.8%.

What is Quaint Oak Bancorp Inc's EBITDA?

Quaint Oak Bancorp Inc (QNTO) had EBITDA of $1.4M in fiscal year 2025, 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 1.6% in fiscal year 2025, 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 0.8% in fiscal year 2025, 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 $0.34 per share in dividends during fiscal year 2025.

What is Quaint Oak Bancorp Inc's return on equity (ROE)?

Quaint Oak Bancorp Inc (QNTO) has a return on equity of 0.6% for fiscal year 2025, 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 $4.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Quaint Oak Bancorp Inc's total assets?

Quaint Oak Bancorp Inc (QNTO) had $675.9M in total assets as of fiscal year 2025, including both current and long-term assets.

Does Quaint Oak Bancorp Inc buy back shares?

Yes, Quaint Oak Bancorp Inc (QNTO) spent $44K on share buybacks during fiscal year 2025, 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 2025.

What is Quaint Oak Bancorp Inc's debt-to-equity ratio?

Quaint Oak Bancorp Inc (QNTO) had a debt-to-equity ratio of 11.92 as of fiscal year 2025, 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 0.1% for fiscal year 2025, 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 3 out of 9, indicating weak 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 to 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 12.89x, 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 0.0x, 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 13 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.