[Form 4/A] QUAINT OAK BANCORP, INC. Amended Insider Trading Activity

Rhea-AI Filing Summary

Robert T. Strong, who serves as Chief Executive Officer and a director of Quaint Oak Bancorp, acquired equity and holds existing stock and option positions in the company. On 09/05/2025 he was reported as acquiring 500 shares under the company’s 2023 Stock Incentive Plan that vest 20% per year beginning 09/05/2026. His reported beneficial ownership after the transaction includes 203,608 shares held directly or jointly, plus indirect holdings of 22,742 shares via an IRA, 10,548.292 shares via the 401(k) plan, and 32,218.4863 shares via the ESOP. He also holds employee stock options: 2,500 options at $10.15 (expiring 09/05/2035), 15,000 options at $18 (expiring 05/10/2033), and 14,962 options at $13.30 (fully vested). Vesting schedules for the newly reported awards generally vest at 20% per year as disclosed.

Positive

• Equity grant of 500 shares under the 2023 Stock Incentive Plan adds direct CEO alignment with shareholder value
• Significant total insider ownership reported (over 200,000 shares direct/joint) indicating management has meaningful stake
• Clear vesting schedules and option terms disclosed, improving transparency around potential dilution and retention incentives

Negative

• Outstanding options (totaling 32,462 options disclosed) could lead to future dilution if exercised
• Substantial portion of holdings held jointly or in retirement plans reduces immediacy of liquidity yet still counts toward beneficial ownership

Insights

Financial Analyst

TL;DR: CEO received modest equity grant and holds significant total stake across direct and retirement accounts, aligning management incentives with shareholders.

The reported 500-share grant and multiple option pools increase the CEO’s alignment with shareholder outcomes without indicating a material change in control or a large dilution event. The total beneficial ownership reported (over 200,000 shares directly/jointly plus significant indirect plan holdings) signals meaningful insider ownership. The option maturities and exercise prices are disclosed, with staggered vesting that preserves retention incentives. From an investor-materiality perspective, these transactions are routine executive compensation adjustments rather than transformative corporate actions.

Corporate Governance Expert

TL;DR: Compensation-related equity awards and existing option grants are standard governance tools to retain and incentivize the CEO.

The granted shares under the 2023 Stock Incentive Plan and the disclosed option portfolio follow typical vesting schedules (20% per year) used to promote long-term alignment. The mix of direct, joint, IRA, 401(k), and ESOP holdings shows diversified insider exposure to company equity across personal and retirement vehicles. Disclosures include explicit vesting terms and exercise prices, which support transparency for shareholders assessing executive incentives and potential future dilution when options are exercised.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

STRONG ROBERT T

(Last) (First) (Middle)

C/O QUAINT OAK BANCORP, INC.

501 KNOWLES AVENUE

(Street)

SOUTHAMPTON PA 18966

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
QUAINT OAK BANCORP, INC. [ QNTO ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Executive Officer

3. Date of Earliest Transaction (Month/Day/Year)
09/05/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)
09/10/2025

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/05/2025		F(1)		500	A	$0	203,608(2)	D
Common Stock								22,742	I	By IRA
Common Stock								10,548.292(3)	I	By 401(k) Plan
Common Stock								32,218.4863	I	By ESOP

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Employee Stock Option (Right to Buy)	$10.15	09/05/2025		A		2,500		(4)	09/05/2035	Common Stock	2,500	$0	2,500	D
Employee Stock Option (Right to Buy)	$18							(5)	05/10/2033	Common Stock	15,000		15,000	D
Employee Stock Stock (Right to Buy)	$13.3							05/09/2023(6)	05/09/2028	Common Stock	14,962		14,962	D

Explanation of Responses:

1. Represents the grant of shares pursuant to the Issuer's 2023 Stock Incentive Plan that vest ratably over five years at 20% per year commencing on September 5, 2026.

2. Includes 2,700 shares granted pursuant to the Issuer's 2023 Stock Incentive Plan which reflect the unvested portion of a grant amount originally covering 4,500 shares that commenced vesting at a rate of 20% per year on May 10, 2024, and 200,408 shares held jointly with the reporting person's spouse which includes 1,623 shares transferred from direct to joint ownership since the last filed Form 4.

3. Includes shares acquired in the Issuer's 401(k) Plan since the last filed Form 4. Based on a report dated September 4, 2025.

4. The options are vesting at a rate of 20% per year commencing on September 5, 2026.

5. The options are vesting at a rate of 20% per year commencing on May 10, 2024.

6. The options vested at a rate of 20% per year commencing on May 9, 2019 and were fully vested as of May 9, 2023.

Remarks:

This Form 4/A is being filed solely to correct the date in the signature block due to a typographical error made in the original Form 4 from 09/10/2025 to 09/09/2025 and to include the Power of Attorney as Exhibit 24. No other changes have been made hereto. The late filing is due to an inadvertent administrative error and not any error of the reporting person.

	/s/ Robert T. Strong	09/09/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
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FAQ

What stock did Robert T. Strong acquire in the recent Form 4/A for QNTO?

The Form 4/A reports the acquisition of 500 shares under the Issuer's 2023 Stock Incentive Plan on 09/05/2025.

How many Quaint Oak shares does the CEO beneficially own after the reported transaction?

Following the reported transaction, the CEO beneficially owns 203,608 shares directly or jointly, plus indirect holdings in IRA, 401(k), and ESOP accounts.

What employee stock options does Robert T. Strong hold as disclosed?

He holds 2,500 options at $10.15 (expiring 09/05/2035), 15,000 options at $18 (expiring 05/10/2033), and 14,962 options at $13.30 (fully vested).

When do the newly reported awards vest?

The 500-share award and some options vest ratably at 20% per year commencing on 09/05/2026 or on dates specified for other option grants as disclosed.

Are any holdings held indirectly through retirement plans?

Yes. The filing shows 22,742 shares in an IRA, 10,548.292 shares in the 401(k) plan, and 32,218.4863 shares in the ESOP.