OTCPK:QNTO

Stock Analysis Report

Executive Summary

Quaint Oak Bancorp, Inc. operates as the holding company for Quaint Oak Bank that provides various banking products and services.

Snowflake

Fundamentals

Flawless balance sheet average dividend payer.

Risks

  • Quaint Oak Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

How has Quaint Oak Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.4%

OTCPK:QNTO

2.1%

US Mortgage

2.1%

US Market


1 Year Return

-10.7%

OTCPK:QNTO

-0.7%

US Mortgage

-0.04%

US Market

QNTO underperformed the Mortgage industry which returned -0.7% over the past year.

QNTO underperformed the Market in United States of America which returned -0% over the past year.


Share holder returns

QNTOIndustryMarket
7 Day-0.4%2.1%2.1%
30 Day-0.8%-1.9%-3.2%
90 Day0.7%0.6%2.8%
1 Year-8.4%-10.7%1.4%-0.7%2.2%-0.04%
3 Year12.3%6.0%32.9%24.1%41.5%32.3%
5 Year56.4%43.8%59.3%42.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is Quaint Oak Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Quaint Oak Bancorp undervalued based on future cash flows and its price relative to the stock market?

10.68x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Quaint Oak Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Quaint Oak Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Quaint Oak Bancorp is good value based on earnings compared to the US Mortgage industry average.

Quaint Oak Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Quaint Oak Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Quaint Oak Bancorp is good value based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is Quaint Oak Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

3.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Quaint Oak Bancorp is high growth as no revenue estimate data is available.

Quaint Oak Bancorp's earnings are expected to grow by 3.3% yearly, however this is not considered high growth (20% yearly).

Unable to compare Quaint Oak Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Quaint Oak Bancorp's earnings growth is positive but not above the United States of America market average.

Quaint Oak Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Quaint Oak Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Quaint Oak Bancorp performed over the past 5 years?

13.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Quaint Oak Bancorp's year on year earnings growth rate has been positive over the past 5 years.

Quaint Oak Bancorp's 1-year earnings growth exceeds its 5-year average (41.6% vs 13%)

Quaint Oak Bancorp's earnings growth has exceeded the US Mortgage industry average in the past year (41.6% vs 32.9%).


Return on Equity

Quaint Oak Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Quaint Oak Bancorp used its assets less efficiently than the US Mortgage industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Quaint Oak Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Quaint Oak Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Quaint Oak Bancorp has an acceptable proportion of non-loan assets held.

Quaint Oak Bancorp has a sufficient allowance for bad loans.

Quaint Oak Bancorp's liabilities are made up of primarily low risk sources of funding.

Quaint Oak Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Quaint Oak Bancorp are broadly funded by customer deposits.

Quaint Oak Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Quaint Oak Bancorp's current dividend yield, its reliability and sustainability?

2.90%

Current Dividend Yield


Dividend Yield and Payments Analysis

Quaint Oak Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Quaint Oak Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.82%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (3.9x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Quaint Oak Bancorp's salary, the management and board of directors tenure and is there insider trading?

6.5yrs

Average management tenure


CEO

Robert Strong (72yo)

12.4yrs

Tenure

US$581,267

Compensation

Mr. Robert T. Strong has been the President and Chief Executive Officer at Quaint Oak Bank since June, 2001. Mr. Strong has been President and Chief Executive Officer at Quaint Oak BanCorp, Inc since March ...


CEO Compensation Analysis

Robert's remuneration is about average for companies of similar size in United States of America.

Robert's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

6.5yrs

Average Tenure

60yo

Average Age

The average tenure for the Quaint Oak Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

19.6yrs

Average Tenure

72yo

Average Age

The average tenure for the Quaint Oak Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

BuyUS$1,26013 Mar 19
James Clarke
EntityIndividual
Role
Member of the Board of Directors
Director
Shares100
Max PriceUS$12.60

Ownership Breakdown


Management Team

  • Robert Strong (72yo)

    President

    • Tenure: 12.4yrs
    • Compensation: US$581.27k
  • Robert Farrer (53yo)

    Vice President of Risk & Compliance

    • Tenure: 3.3yrs
  • Diane Colyer (60yo)

    Senior VP & Corporate Secretary

    • Tenure: 3.3yrs
  • Jack Augustine (66yo)

    Executive VP

    • Tenure: 19.6yrs
    • Compensation: US$399.02k
  • William Gonzalez (35yo)

    Senior Vice President of Business Development - Quaint Oak Bank

    • Tenure: 0.0yrs
    • Compensation: US$281.81k

Board Members

  • James Clarke (77yo)

    Director

    • Tenure: 12.6yrs
    • Compensation: US$51.60k
  • Robert Strong (72yo)

    President

    • Tenure: 12.4yrs
    • Compensation: US$581.27k
  • Kenneth Gant (60yo)

    Director

    • Tenure: 33.6yrs
    • Compensation: US$53.20k
  • Robert Phillips (72yo)

    Chairman of the Board

    • Tenure: 12.6yrs
    • Compensation: US$106.73k
  • Andrew DiPiero (66yo)

    Director

    • Tenure: 35.6yrs
    • Compensation: US$51.20k
  • George Ager (82yo)

    Director

    • Tenure: 51.6yrs
    • Compensation: US$55.10k
  • Jack Augustine (66yo)

    Executive VP

    • Tenure: 19.6yrs
    • Compensation: US$399.02k

Company Information

Quaint Oak Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Quaint Oak Bancorp, Inc.
  • Ticker: QNTO
  • Exchange: OTCPK
  • Founded: 1926
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$24.159m
  • Shares outstanding: 1.95m
  • Website: https://www.quaintoak.com

Number of Employees


Location

  • Quaint Oak Bancorp, Inc.
  • 501 Knowles Avenue
  • Southampton
  • Pennsylvania
  • 18966
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
QNTOOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 2007

Biography

Quaint Oak Bancorp, Inc. operates as the holding company for Quaint Oak Bank that provides various banking products and services. It offers deposit products, such as savings accounts, non-interest bearing  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 00:08
End of Day Share Price2019/08/22 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.