Quarter
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Quaint Oak Bancorp, Inc.

QNTO

CIK 0001391933 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$10M
↑+4.0% +$393Kvs FY2024 (Q4)
Operating Income
$254K
↓-87.9% -$2Mvs FY2024 (Q4)
Net Income
$174K
↓-89.0% -$1Mvs FY2024 (Q4)
Gross Profit
$10M
↑+4.0% +$393Kvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Poor
21/100
  • Profitability
    0ROIC 0.6% (10% = solid, 20%+ = moat)
  • Liquidity
    0Insufficient data
  • Leverage
    94D/E 0.12 (under 0.5 = conservative)
  • Efficiency
    0Asset Turnover 0.06x (1.0+ = capital-efficient)
  • Growth
    30Revenue YoY +4.0% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Op Margin 2.5% · trend -6.6pts (4Q avg vs prior 4Q)

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project QNTO's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

8%

Trailing CAGR unavailable; default 8%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$27.12
Total enterprise IV
$71M
Diluted shares
0.00B
Terminal PV
$52M (72% of total)
Year-5 FCF
$6M
YearProjected FCFDiscounted PV
+1$4M$4M
+2$5M$4M
+3$5M$4M
+4$6M$4M
+5$6M$4M
Terminal$83M$52M

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
—
investment in PP&E
Dividends paid (TTM)
$894K
cash returned to holders
Stock buybacks (TTM)
$14K
share count reduction
Stock-based comp (TTM)
$251K
non-cash dilution

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$676M
everything owned
Total liabilities
$624M
everything owed
Stockholders' equity
$52M
shareholder claim
Net debt
$-52M
Net cash position ($52M)

Recent performance · 63 quarters

Revenue↑+4.0% +$393K
$10M
Net Income↓-89.0% -$1M
$174K
Free Cash Flow↑+1336.9% +$2M
$3M
Operating Margin↓-18.6pts
2.5%

Drill down

QNTO Sankey

See Quaint Oak Bancorp, Inc.'s revenue flow into every line item of the income statement and balance sheet — every dollar accounted for, with prior-period comparison.

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QNTO Charts

63 quarters of historical line items — Income, Cash Flow, Balance Sheet, plus margins. Click any chart for the trend dialog.

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QNTO Key Metrics

EPS, BVPS, FCF/Share, ROE, ROA, ROIC, D/E, Current Ratio, Quick Ratio, Asset Turnover — 10 CFA-grade fundamentals derived from EDGAR data.

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