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 (QNTO) Financials

QNTO

Trailing 12 months to June 30, 2026

Revenue $26.1M +0.5% YoY

Net Income $780K -61.2% YoY

EPS (Diluted) $0.28 -63.6% YoY

Operating Cash Flow $18.2M +42.5% YoY

Market Cap $38.4M as of Sep 10, 2026

Price / Sales 1.5x on $26.1M revenue, trailing 12 months to June 30, 2026

Price / Earnings 49.3x on $780K net income, trailing 12 months to June 30, 2026

Price / Book 0.7x on $53.0M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 14, 2026 Currency USD FYE December

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).

Rhea AI QNTO FY2025 2026-09-05

Liability-funded banking economics now dominate: stable revenue is producing sharply thinner operating earnings and weaker cash generation.

FY2025 operating cash flow of $4.2M exceeded net income of $322K, but was far below the prior year; cash conversion is cushioning weak accrual earnings rather than demonstrating stable earnings power. The combination suggests working-capital or balance-sheet flows supported cash generation even as reported profitability deteriorated.

The balance sheet is structurally liability-funded: debt-to-equity was 11.9x and liabilities represented roughly 92% of assets in FY2025. That leaves a relatively thin equity layer absorbing changes in the value or performance of a much larger asset base.

The near-flat top line did not protect operating earnings: operating margin fell from 13.2% to 2.6% between FY2024 and FY2025. This points to costs or funding economics absorbing nearly all operating income, rather than a volume-driven revenue problem.

Financial Health Signals

Financial health score not available

QUAINT OAK BANCORP INC does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

3/6

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), 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

0.03x

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

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Earnings & Revenue

Revenue

$6.9M

YoY+6.6%

QoQ+5.7%

5Y CAGR-1.1%

10Y CAGR+11.3%

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%.

EBITDA

$958K

YoY+43.6%

QoQ+92.0%

5Y CAGR-14.0%

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%.

Net Income

$481K

YoY+76.8%

QoQ+189.8%

5Y CAGR-20.4%

10Y CAGR+1.8%

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%.

EPS (Diluted)

$0.18

YoY+80.0%

QoQ+200.0%

5Y CAGR-24.2%

10Y CAGR-1.5%

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

Cash & Debt

$48.3M

YoY-1.3%

QoQ+8.0%

5Y CAGR+20.6%

10Y CAGR+9.4%

QUAINT OAK BANCORP INC held $48.3M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.04

YoY-69.2%

QoQ0.0%

5Y CAGR-18.3%

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.

Shares Outstanding

YoY+0.5%

QoQ+0.2%

5Y CAGR+5.7%

10Y CAGR+3.5%

QUAINT OAK BANCORP INC had 3M shares outstanding in Q2 2026. This represents an increase of 0.5% from the same quarter a year earlier. Against the prior quarter it is up 0.2%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Operating Margin

10.7%

YoY+3.2pp

QoQ+6.3pp

5Y change-16.7pp

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.

Net Margin

7.0%

YoY+2.8pp

QoQ+4.4pp

5Y change-13.8pp

10Y change-10.1pp

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.

Return on Equity

0.9%

YoY+0.4pp

QoQ+0.6pp

5Y change-3.9pp

10Y change-1.1pp

QUAINT OAK BANCORP INC's ROE was 0.9% in Q2 2026, measuring profit generated per dollar of shareholder equity. 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.

Gross Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$20K

YoY-35.5%

QoQ+81.8%

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%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

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.

QNTO quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$26.1M	$25.1M-3.5%	$26.0M+5.2%	$24.7M-42.7%	$43.1M+32.2%	$32.6M+86.4%	$17.5M+28.2%	$13.6M+11.3%	$12.3M+11.1%	$11.0M+19.6%	$9.2M+10.5%	$8.3M+10.3%	$7.6M+23.9%	$6.1M+8.5%	$5.6M+41.9%	$4.0M
SG&A Expenses	$15.7M	$15.2M+3.6%	$14.6M+5.7%	$13.8M-31.2%	$20.1M+29.6%	$15.5M+84.4%	$8.4M+21.3%	$6.9M+8.4%	$6.4M+17.0%	$5.5M+21.4%	$4.5M+12.8%	$4.0M+16.9%	$3.4M+17.5%	$2.9M+27.8%	$2.3M+35.0%	$1.7M
Operating Income	$1.3M	$644K-81.2%	$3.4M-5.3%	$3.6M-73.0%	$13.4M+43.5%	$9.3M+105.3%	$4.5M+32.4%	$3.4M+28.3%	$2.7M	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EBITDA	N/A	$1.4M-65.4%	$4.1M-0.3%	$4.1M-70.5%	$13.9M+42.7%	$9.7M+100.8%	$4.8M+31.5%	$3.7M+25.8%	$2.9M	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$21.4M	$22.7M-11.3%	$25.6M-2.6%	$26.3M+199.7%	$8.8M+100.6%	$4.4M-20.3%	$5.5M+1.1%	$5.4M+42.0%	$3.8M+27.2%	$3.0M+17.0%	$2.6M+22.7%	$2.1M+21.6%	$1.7M+2.3%	$1.7M-2.2%	$1.7M-9.9%	$1.9M
Income Tax	$483K	$322K-72.9%	$1.2M-3.1%	$1.2M-59.8%	$3.1M+22.6%	$2.5M+92.9%	$1.3M+36.0%	$950K+42.4%	$667K-44.6%	$1.2M+63.7%	$736K+1.8%	$723K+4.2%	$694K+66.4%	$417K-29.6%	$592K+67.2%	$354K
Net Income	$780K	$322K-88.5%	$2.8M+38.4%	$2.0M-74.3%	$7.9M+22.8%	$6.4M+97.3%	$3.2M+31.0%	$2.5M+23.6%	$2.0M+36.6%	$1.5M-2.1%	$1.5M+17.9%	$1.3M+2.3%	$1.2M+76.9%	$702K-28.4%	$981K+85.8%	$528K
EPS (Basic)	N/A	$0.12-88.9%	$1.08+20.0%	$0.90-76.6%	$3.85+19.9%	$3.21+95.7%	$1.64+29.1%	$1.27+22.1%	$1.04+31.6%	$0.79-6.0%	$0.84+13.5%	$0.74+1.4%	$0.73-7.6%	$0.79-28.2%	$1.10+83.3%	$0.60
EPS (Diluted)	$0.28	$0.12-88.9%	$1.08+21.3%	$0.89-75.6%	$3.65+19.3%	$3.06+90.1%	$1.61+29.8%	$1.24+22.8%	$1.01+36.5%	$0.74-3.9%	$0.77+13.2%	$0.68	$0.69	$0.76-30.9%	$1.10+83.3%	$0.60
Diluted Shares (Avg)	N/A	3M+2.1%	3M+13.4%	2M+5.7%	2M+2.9%	2M+4.0%	2M+0.3%	2M+1.1%	2M-0.6%	2M+3.0%	2M+2.8%	2M	2M	927,270+3.9%	892,834+1.6%	878,899

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	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%
SG&A Expenses	$3.8M+5.0%	$4.0M+9.6%	$3.9M+1.5%	$4.0M+14.6%	$3.6M-0.8%	$3.6M-0.4%	$3.8M+11.4%	$3.5M+5.5%
Operating Income	$734K+52.3%	$286K+453.1%	$254K-87.9%	-$11K-102.7%	$482K+163.4%	-$81K-111.1%	$2.1M-33.3%	$411K+155.9%
EBITDA	$958K+43.6%	$499K+379.8%	$457K-79.9%	$182K-68.4%	$667K+95.0%	$104K-88.1%	$2.3M-28.7%	$576K+198.1%
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-15.3%	$6.2M-8.5%
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%	$166K+300.0%	$174K-89.0%	-$41K-116.9%	$272K+172.0%	-$83K-109.5%	$1.6M+38.3%	$243K+195.3%
EPS (Basic)	$0.18+80.0%	$0.06+300.0%	$0.06-90.2%	-$0.02-122.2%	$0.10+150.0%	-$0.03-108.3%	$0.61+22.0%	$0.09+181.8%
EPS (Diluted)	$0.18+80.0%	$0.06+300.0%	$0.06-90.2%	-$0.02-122.2%	$0.10+150.0%	-$0.03-108.3%	$0.61+22.0%	$0.09+181.8%
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.

QNTO Balance Sheet

QNTO quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$675.9M-1.4%	$685.2M-9.1%	$754.1M-4.8%	$792.4M+43.0%	$554.1M+14.5%	$484.1M+60.0%	$302.5M+11.5%	$271.4M+13.3%	$239.6M+10.8%	$216.2M+17.4%	$184.2M+18.3%	$155.6M+22.1%	$127.4M+8.6%	$117.4M+7.5%	$109.2M
Cash & Equivalents	$53.5M-15.0%	$63.0M+8.6%	$58.0M+1390.0%	$3.9M-63.6%	$10.7M-68.4%	$33.9M+133.0%	$14.6M-44.0%	$26.0M+228.8%	$7.9M-14.9%	$9.3M-45.9%	$17.2M+23.5%	$13.9M+125.4%	$6.2M-50.1%	$12.4M+6.1%	$11.7M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$515K0.0%	$515K0.0%	$515K-80.0%	$2.6M0.0%	$2.6M+399.6%	$515K0.0%	$515K0.0%	$515K0.0%	$515K0.0%	$515K	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$623.5M-1.4%	$632.6M-10.0%	$702.6M-5.5%	$743.3M+43.7%	$517.2M+13.6%	$455.3M+64.6%	$276.6M+11.7%	$247.6M+13.9%	$217.4M+11.3%	$195.4M+18.3%	$165.1M+19.6%	$138.1M+25.0%	$110.4M+9.9%	$100.5M+7.5%	$93.5M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$2.0M-47.4%	$3.8M
Total Equity	$52.3M-0.5%	$52.6M+8.5%	$48.5M+8.3%	$44.8M+28.8%	$34.8M+21.1%	$28.7M+10.9%	$25.9M+8.7%	$23.8M+7.4%	$22.2M+6.7%	$20.8M+9.2%	$19.0M+8.3%	$17.6M+3.5%	$17.0M+0.9%	$16.8M+7.3%	$15.7M
Retained Earnings	$32.6M-1.7%	$33.2M+4.6%	$31.7M+2.8%	$30.9M+28.5%	$24.0M+30.1%	$18.5M+15.9%	$15.9M+12.7%	$14.1M+11.8%	$12.6M+9.6%	$11.5M+11.8%	$10.3M+11.1%	$9.3M+12.5%	$8.3M+6.7%	$7.7M+12.0%	$6.9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	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%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
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, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

QNTO Cash Flow Statement

QNTO quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$18.2M	$4.2M-87.3%	$32.6M-58.4%	$78.4M+740.3%	-$12.2M+67.2%	-$37.4M+14.6%	-$43.8M-2262.9%	-$1.9M-138.1%	$4.9M+1258.1%	-$420K-118.2%	$2.3M+297.9%	-$1.2M-1866.7%	$66K-98.7%	$5.0M+238.3%	-$3.6M-1027.8%	$389K
Depreciation & Amortization	N/A	$766K+17.7%	$651K+37.3%	$474K-2.5%	$486K+23.7%	$393K+31.9%	$298K+19.7%	$249K-0.4%	$250K+3.7%	$241K+18.1%	$204K+12.1%	$182K+9.0%	$167K+17.6%	$142K+34.0%	$106K+96.3%	$54K
Stock-Based Compensation	N/A	$251K+3.7%	$242K+7.6%	$225K-56.0%	$511K+18.0%	$433K+25.1%	$346K-3.6%	$359K+5.6%	$340K+8.3%	$314K+4.7%	$300K+2.0%	$294K+8.1%	$272K-0.4%	$273K+18.7%	$230K+13.9%	$202K
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$272K-39.6%	$450K+462.5%	$80K-78.8%	$377K+123.1%	$169K-1.2%	$171K-71.0%	$590K+461.9%	$105K
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$4.6M+627.8%	-$870K-139.0%	$2.2M+244.4%	-$1.5M-1398.1%	-$103K-102.1%	$4.8M+214.8%	-$4.2M-1578.5%	$284K
Investing Cash Flow	$23.0M	-$3.9M-112.4%	$31.5M+21.4%	$25.9M+111.9%	-$218.0M-546.3%	-$33.7M+70.2%	-$113.2M-207.1%	-$36.8M-134.4%	-$15.7M+30.1%	-$22.5M+44.2%	-$40.3M-79.0%	-$22.5M-19.5%	-$18.9M+7.9%	-$20.5M-762.6%	-$2.4M+38.5%	-$3.9M
Financing Cash Flow	-$41.8M	-$9.7M+83.6%	-$59.1M-16.5%	-$50.7M-122.7%	$223.4M+366.6%	$47.9M-72.8%	$176.3M+547.1%	$27.2M-5.9%	$29.0M+34.6%	$21.5M-28.5%	$30.1M+11.7%	$27.0M+1.6%	$26.5M+186.3%	$9.3M+38.5%	$6.7M+2.9%	$6.5M
Dividends Paid	$421K	$894K-33.2%	$1.3M+15.9%	$1.2M+13.4%	$1.0M+21.3%	$839K+17.0%	$717K+6.1%	$676K+32.3%	$511K+40.4%	$364K+28.6%	$283K+18.4%	$239K+13.3%	$211K+14.1%	$185K+20.9%	$153K+14.2%	$134K
Share Buybacks	$44K	$44K-70.7%	$150K-65.4%	$433K+783.7%	$49K+96.0%	$25K-92.8%	$349K+2.9%	$339K-57.3%	$793K+128.5%	$347K+1941.2%	$17K+70.0%	$10K-98.7%	$760K+35.0%	$563K+1606.1%	$33K-29.8%	$47K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$12.8M+339.5%	$8.6M-32.8%	-$5.8M-211.7%	$2.5M+1336.9%	-$5.4M-42.8%	$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	$4.7M+131.7%	$15.0M+97.8%	$8.4M-52.9%	-$5.0M+64.3%	-$14.8M-334.8%	$7.6M-64.9%	$17.8M-12.6%	-$14.1M-317.2%
Financing Cash Flow	-$13.9M-169.1%	-$32.4M+5.9%	-$1.3M+93.7%	$5.9M+2243.5%	$20.2M+127.5%	-$34.4M-196.4%	-$21.3M-37.6%	-$276K+98.4%
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%	$11K	-$1K-99.0%	$14K+250.0%	$31K	$0	$102K	$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.

QNTO quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Margin	2.6%-10.6pp	13.2%-1.5pp	14.6%-16.4pp	31.0%+2.4pp	28.6%+2.6pp	25.9%+0.8pp	25.1%+3.3pp	21.8%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	1.3%-9.5pp	10.8%+2.6pp	8.2%-10.1pp	18.2%-1.4pp	19.6%+1.1pp	18.6%+0.4pp	18.2%+1.8pp	16.4%+3.1pp	13.3%-2.9pp	16.3%+1.0pp	15.2%-1.2pp	16.4%+4.9pp	11.5%-5.9pp	17.4%+4.1pp	13.3%
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%+1.7pp	9.6%+1.2pp	8.4%+1.8pp	6.6%-0.6pp	7.2%+0.5pp	6.7%-0.4pp	7.1%+2.9pp	4.1%-1.7pp	5.8%+2.5pp	3.4%
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%-0.2pp	0.8%+0.1pp	0.7%+0.1pp	0.6%-0.1pp	0.7%0.0pp	0.7%-0.1pp	0.8%+0.3pp	0.5%-0.3pp	0.8%+0.4pp	0.5%
Debt-to-Equity	11.92-0.1x	12.02-2.5x	14.49-2.1x	16.59+1.7x	14.87-1.0x	15.85+5.2x	10.68+0.3x	10.39+0.6x	9.80+0.4x	9.40+0.7x	8.67+0.8x	7.86+1.4x	6.50+6.4x	0.12-0.1x	0.24
Asset Turnover	0.040.0x	0.040.0x	0.030.0x	0.050.0x	0.060.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.04
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	37.5%+45.4pp	-7.9%-32.0pp	24.2%+42.6pp	-18.5%-17.1pp	-1.4%-80.3pp	79.0%+153.6pp	-74.6%-81.8pp	7.2%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	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
Debt-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, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
QUAINT OAK BANCORP INC QNTO	FY2025	$25.1M	$322K	1.3%	$38.4M	—
GRAND RIVER COMMERCE INC GNRV	FY2011	$2.3M	-$765K	-33.9%	$37.5M	—

Where QUAINT OAK BANCORP INC Ranks

Frequently Asked Questions

What is QUAINT OAK BANCORP INC's annual revenue?

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.

How fast is QUAINT OAK BANCORP INC's revenue growing?

QUAINT OAK BANCORP INC (QNTO) revenue declined by 3.5% year-over-year, from $26.0M to $25.1M 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 1.3%.

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 2.6% 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 1.3% 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 P/E ratio?

QUAINT OAK BANCORP INC (QNTO) trades at 49.3x earnings, its market capitalization divided by net income of $780K net income, trailing 12 months to June 30, 2026. The market capitalization is $38.4M as of Sep 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is QUAINT OAK BANCORP INC's price-to-sales ratio?

QUAINT OAK BANCORP INC (QNTO) trades at 1.5x sales, its market capitalization divided by revenue of $26.1M revenue, trailing 12 months to June 30, 2026. The market capitalization is $38.4M as of Sep 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is QUAINT OAK BANCORP INC's Piotroski F-Score?

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.

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 0.03x, 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.