[8-K] QUAINT OAK BANCORP, INC. Reports Material Event

Rhea-AI Filing Summary

Quaint Oak Bancorp, Inc. announced that its Board declared a quarterly cash dividend of $0.04 per share on October 8, 2025. The dividend will be paid on November 3, 2025 to shareholders of record as of October 20, 2025. The disclosure was furnished as a press release dated October 9, 2025 and is included as Exhibit 99.1; the company notes the press release is being furnished and not "filed" for SEC purposes. No other financial metrics, guidance, or additional corporate actions are disclosed in this filing.

Positive

• Quarterly cash dividend declared at $0.04 per share
• Clear payment schedule: payable November 3, 2025 to record holders as of October 20, 2025
• Formal disclosure provided via furnished press release (Exhibit 99.1)

Negative

• Dividend size is small at $0.04 per share, suggesting limited cash return per share
• No accompanying financials or commentary on earnings/capital to assess sustainability of the dividend

Insights

Corporate Finance Analyst

Board approved a small quarterly cash dividend; timing and record date specified.

The Board declared a cash dividend of $0.04 per share payable on November 3, 2025 to holders of record on October 20, 2025. This is a straightforward capital-return decision with explicit cash-per-share detail.

Key dependencies include the company’s cash position and earnings capacity, which are not disclosed here, so the dividend’s sustainability cannot be assessed from this filing alone. Watch for subsequent filings or earnings releases that disclose net income and capital ratios within the next reporting cycle.

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UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported)	October 8, 2025
QUAINT OAK BANCORP, INC.
(Exact name of registrant as specified in its charter)
Pennsylvania	000-52694	35-2293957
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)
501 Knowles Avenue, Southampton, Pennsylvania	18966
(Address of principal executive offices)	(Zip Code)
Registrant's telephone number, including area code	(215) 364-4059
Not Applicable
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act: None

Title of each Class Trading Symbol(s) Name of each exchange on which registered

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01 Regulation FD Disclosure

On October 9, 2025, Quaint Oak Bancorp, Inc. (the "Company") issued a press release announcing that the Board of Directors declared a quarterly cash dividend of $0.04 per share on October 8, 2025. The dividend is payable on November 3, 2025, to shareholders of record as of October 20, 2025.

For additional information, reference is made to the Company's press release dated October 9, 2025, which is included as Exhibit 99.1 hereto and is incorporated herein by reference thereto. The press release attached hereto is being furnished to the SEC and shall not be deemed to be "filed" for any purpose except as shall be expressly set forth by specific reference to such filing in other filings of the Company into which may be incorporated.

Item 9.01		Financial Statements and Exhibits
(a)		Not applicable.
(b)		Not applicable.
(c)		Not applicable.
(d)		Exhibits

The following exhibit is included with this Report:

Exhibit Number	Description
99.1	Press release dated October 9, 2025
104	Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

		QUAINT OAK BANCORP, INC.
Date: October 9, 2025	By:	/s/ John J. Augustine
	Name:	John J. Augustine
	Title:	Executive Vice President and Chief Financial Officer

FAQ

What dividend did Quaint Oak Bancorp (QNTO) declare?

The Board declared a quarterly cash dividend of $0.04 per share.

When is the QNTO dividend payable and what is the record date?

The dividend is payable on November 3, 2025 to shareholders of record as of October 20, 2025.

Where can I find the company’s announcement for QNTO?

The announcement was furnished as a press release dated October 9, 2025 and is included as Exhibit 99.1 to the filing.

Does the filing include financial data supporting the dividend?

No. The 8-K furnishes the dividend press release only and does not include earnings, capital ratios, or explanatory financials.

Is the press release considered "filed" with the SEC?

The company states the press release is being furnished and shall not be deemed "filed" for SEC filing purposes.