Quaint Oak Bancorp (QNTO) Financials
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 14, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the QNTO SEC filings page.
Quaint Oak Bancorp Inc (QNTO) reported $26.1M in revenue over the twelve months to Jun 30, 2026, up 0.5% from the prior twelve months. This page shows its 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).
The balance sheet stayed nearly stable, but profitability and cash conversion deteriorated sharply as revenue held near FY2023 levels.
From FY2023 to FY2025, revenue increased1.5% while operating income fell82.2% . Because assets declined only10.4% over that span, operating cash flow falling94.7% points to weakening earnings economics rather than simple balance-sheet shrinkage.
FY2025 net income was
Interest expense fell
Financial Health Signals
We do not publish a peer-relative financial health score for Quaint Oak Bancorp Inc, because the score only covers companies whose filings and listing give us what it needs to compare them with their peers. The signals and metrics below are current.
Quaint Oak Bancorp Inc passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) does not pass.
Quaint Oak Bancorp Inc earns $0.03 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
Earnings & Revenue
Quaint Oak Bancorp Inc generated $6.9M in revenue in Q2 2026. This represents an increase of 6.6% from the same quarter a year earlier. Against the prior quarter it is up 5.7%.
Quaint Oak Bancorp Inc's EBITDA was $958K in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 43.6% from the same quarter a year earlier. Against the prior quarter it is up 92.0%.
Quaint Oak Bancorp Inc reported $481K in net income in Q2 2026. This represents an increase of 76.8% from the same quarter a year earlier. Against the prior quarter it is up 189.8%.
Quaint Oak Bancorp Inc earned $0.18 per diluted share (EPS) in Q2 2026. This represents an increase of 80.0% from the same quarter a year earlier. Against the prior quarter it is up 200.0%.
Cash & Balance Sheet
Quaint Oak Bancorp Inc held $48.3M in cash as of Q2 2026; no long-term debt figure is on record for that period.
Quaint Oak Bancorp Inc paid $0.04 per share in dividends in Q2 2026. This represents a decrease of 69.2% from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q2 2026.
Margins & Returns
Quaint Oak Bancorp Inc's operating margin was 10.7% in Q2 2026, reflecting core business profitability. This is up 3.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 6.3 percentage points.
Quaint Oak Bancorp Inc's net profit margin was 7.0% in Q2 2026, showing the share of revenue converted to profit. This is up 2.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 4.4 percentage points.
Quaint Oak Bancorp Inc's quarterly ROE was 0.9% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.
Not reported for Q2 2026.
Capital Allocation
Quaint Oak Bancorp Inc spent $20K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 35.5% from the same quarter a year earlier. Against the prior quarter it is up 81.8%.
Not reported for Q2 2026.
Not reported for Q2 2026.
QNTO Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $6.9M+6.6% | $6.5M+10.2% | $6.6M-19.4% | $6.1M+12.5% | $6.5M+20.0% | $5.9M-15.6% | $8.1M+28.5% | $5.5M-0.4% |
| Operating Income | $734K+52.3% | $286Kn/m | $254K-87.9% | -$11K-102.7% | $482K+163.4% | -$81K-111.1% | $2.1M-33.3% | $411Kn/m |
| EBITDA | $958K+43.6% | $499K+379.8% | $457K-79.9% | $182K-68.4% | $667K+95.0% | $104K-88.1% | $2.3M-28.7% | $576Kn/m |
| Interest Expense | $4.9M-13.4% | $5.2M-10.0% | $5.5M-6.5% | $5.8M-7.2% | $5.7M-16.6% | $5.8M-13.9% | $5.9M-14.7% | $6.2M-6.4% |
| Income Tax | $253K+20.5% | $120K+5900.0% | $80K-88.1% | $30K-82.1% | $210K+153.0% | $2K-99.2% | $675K+16.4% | $168K+380.0% |
| Net Income | $481K+76.8% | $166Kn/m | $174K-89.0% | -$41K-116.9% | $272K+172.0% | -$83K-109.5% | $1.6M+38.3% | $243Kn/m |
| EPS (Basic) | $0.18+80.0% | $0.06n/m | $0.06-90.2% | -$0.02-122.2% | $0.10+150.0% | -$0.03-108.3% | $0.61+22.0% | $0.09n/m |
| EPS (Diluted) | $0.18+80.0% | $0.06n/m | $0.06-90.2% | -$0.02-122.2% | $0.10+150.0% | -$0.03-108.3% | $0.61+22.0% | $0.09n/m |
| Diluted Shares (Avg) | 3M+2.1% | 3M+1.1% | N/A | 3M+0.2% | 3M+1.2% | 3M+7.2% | N/A | 3M+16.4% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses.
QNTO Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $630.3M-6.0% | $643.2M-1.1% | $675.9M-1.4% | $677.1M-3.5% | $670.8M-4.4% | $650.4M-16.1% | $685.2M-9.1% | $701.6M-8.0% |
| Cash & Equivalents | $48.3M-1.3% | $44.7M-8.6% | $53.5M-15.0% | $52.3M-14.8% | $48.9M-35.3% | $48.9M-66.6% | $63.0M+8.6% | $61.3M+476.6% |
| Goodwill | $515K0.0% | $515K0.0% | $515K0.0% | $515K0.0% | $515K0.0% | $515K0.0% | $515K0.0% | $515K-80.0% |
| Total Liabilities | $577.4M-6.7% | $590.7M-1.2% | $623.5M-1.4% | $625.0M-3.9% | $618.5M-4.9% | $598.1M-17.5% | $632.6M-10.0% | $650.2M-8.9% |
| Total Equity | $53.0M+1.4% | $52.5M+0.5% | $52.3M-0.5% | $52.2M+1.5% | $52.3M+1.7% | $52.3M+4.2% | $52.6M+8.5% | $51.4M+6.3% |
| Retained Earnings | $33.1M+1.1% | $32.7M-0.3% | $32.6M-1.7% | $32.6M+1.9% | $32.7M+2.0% | $32.8M+1.5% | $33.2M+4.6% | $32.0M+3.5% |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
QNTO Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $12.8Mn/m | $8.6M-32.8% | -$5.8M-211.7% | $2.5M+1336.9% | -$5.4Mn/m | $12.8M-58.9% | $5.2M-87.9% | $176K-98.5% |
| Depreciation & Amortization | $224K+21.1% | $213K+15.1% | $203K+11.5% | $193K+17.0% | $185K+16.4% | $185K+27.6% | $182K+237.0% | $165K+11.5% |
| Stock-Based Compensation | N/A | $79K+29.5% | N/A | N/A | N/A | $61K0.0% | N/A | N/A |
| Investing Cash Flow | $4.7Mn/m | $15.0M+97.8% | $8.4M-52.9% | -$5.0Mn/m | -$14.8M-334.8% | $7.6M-64.9% | $17.8M-12.6% | -$14.1M-317.2% |
| Financing Cash Flow | -$13.9M-169.1% | -$32.4Mn/m | -$1.3Mn/m | $5.9Mn/m | $20.2Mn/m | -$34.4M-196.4% | -$21.3Mn/m | -$276Kn/m |
| Dividends Paid | $105K-69.3% | $105K-69.2% | $106K-69.0% | $105K-69.3% | $342K0.0% | $341K+9.3% | $342K+15.9% | $342K+17.5% |
| Share Buybacks | $20K-35.5% | $11Kn/m | N/A | $14K+250.0% | $31K | $0 | $102Kn/m | $4K-96.9% |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.
QNTO Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Margin | 10.7%+3.2pp | 4.4%+5.8pp | 3.9%-21.9pp | -0.2%-7.7pp | 7.5%+4.1pp | -1.4%-11.8pp | 25.7%-23.8pp | 7.5%+20.9pp |
| Net Margin | 7.0%+2.8pp | 2.5%+4.0pp | 2.6%-16.7pp | -0.7%-5.1pp | 4.2%+2.4pp | -1.4%-13.9pp | 19.4%+1.4pp | 4.5%+9.1pp |
| Return on Equity | 0.9%+0.4pp | 0.3%+0.5pp | 0.3%-2.7pp | -0.1%-0.6pp | 0.5%+0.3pp | -0.2%-1.9pp | 3.0%+0.6pp | 0.5%+1.0pp |
| Return on Assets | 0.1%0.0pp | 0.0%0.0pp | 0.0%-0.2pp | 0.0%0.0pp | 0.0%0.0pp | 0.0%-0.1pp | 0.2%+0.1pp | 0.0%+0.1pp |
| Liabilities-to-Equity | 10.90-0.9x | 11.25-0.2x | 11.92-0.1x | 11.98-0.7x | 11.84-0.8x | 11.44-3.0x | 12.02-2.5x | 12.65-2.1x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
Not reported in any period shown, so not listed: Gross Margin, Current Ratio, Debt-to-Equity, FCF Margin.
Where Quaint Oak Bancorp Inc Ranks
Frequently Asked Questions
Quaint Oak Bancorp Inc (QNTO) reported $25.1M in total revenue for fiscal year 2025. This represents a -3.5% 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.
Quaint Oak Bancorp Inc (QNTO) revenue declined by 3.5% year-over-year, from $26.0M to $25.1M in fiscal year 2025.
Yes, Quaint Oak Bancorp Inc (QNTO) reported a net income of $780K over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $322K, with a net profit margin of 1.3%.
Quaint Oak Bancorp Inc (QNTO) had EBITDA of $1.4M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
Quaint Oak Bancorp Inc (QNTO) had an operating margin of 2.6% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
Quaint Oak Bancorp Inc (QNTO) had a net profit margin of 1.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Yes, Quaint Oak Bancorp Inc (QNTO) paid $0.34 per share in dividends during fiscal year 2025.
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.
Quaint Oak Bancorp Inc (QNTO) generated $4.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
Quaint Oak Bancorp Inc (QNTO) had $675.9M in total assets as of fiscal year 2025, including both current and long-term assets.
Quaint Oak Bancorp Inc (QNTO) had a liabilities-to-equity ratio of 11.92 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.
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.
Quaint Oak Bancorp Inc (QNTO) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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.
Quaint Oak Bancorp Inc (QNTO) has an interest coverage ratio of 0.03x, 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.