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Model output · Signal date 2026-10-16

Quaint Oak Bancorp, Inc. (QNTO) Stock Forecast Oct. 16, 2026

Analysis updated on Oct. 16, 2026 (UTC) · Alpha · vs marketSwitch to Total · OTC

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Rating · 90D ▼ Bearish Exact rating locked
90-day forecast Sign up free to reveal
30-day forecast Alpha
Rank in coverage Bottom 35% of 5172 stocks scored
Rank correlation · 90D 6.0% Spearman, 357 dates
Market Cap $38M small-cap · #25 of 31 peers
Summary

Quaint Oak Bancorp, Inc. (QNTO) stock forecast summary

Our AI ranks Quaint Oak Bancorp, Inc. outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.

Quaint Oak Bancorp, Inc. is a small-cap company with a market capitalization of $38M. It ranks number 25 by market capitalization among the 31 Savings Institutions, Not Federally Chartered issuers in our coverage with a current forecast.

For QNTO, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 6.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 10.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report

Expected return relative to the market over the horizon: a positive alpha means the model expects the stock to beat the market, whatever the market does. Ratings: strong buy ≥ +1.8%, buy ≥ +0.2%, sell < -0.9%, strong sell < -1.2% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-16 signals)

A free account shows the exact forecast, rating and rank of 3 tickers you follow, QNTO included.

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Price

QNTO price chart and AI forecast

QNTO
Cross-section · 2026-10-16

How QNTO ranks among 5172 stocks

90D Alpha forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).

Fundamentals · 2026-06-30

Quaint Oak Bancorp, Inc. (QNTO) fundamentals

Trailing twelve months. The industry median and the rank (1 = highest) are taken over the Savings Institutions, Not Federally Chartered peers listed below that report each metric.

Valuation & Market

MetricQNTOIndustry medianRank
Market Cap $38M $146M 25/31
P/E Ratio 72.49x 20.14x 5/27
P/B Ratio 0.73x 0.95x 27/31
Dividend Yield 4.10% 2.17% 2/14
EPS $0.20 – –
Book Value/Share $19.99 – –
Revenue/Share $9.49 – –

Profitability & Margins

MetricQNTOIndustry medianRank
ROE 1.5% 5.5% 22/27
ROA 0.1% 0.7% 21/25
Operating Margin 5.0% – –
Net Margin 3.1% 20.1% 23/27
EBT Margin 5.0% 23.9% 25/28
Tax Rate 38.4% – –

Financial Health

MetricQNTOIndustry medianRank
D/E Ratio 10.90x 6.95x 3/33
Financial Leverage 11.90x 7.60x 3/31
Interest Coverage 0.2x – –

Cash Flow

MetricQNTOIndustry medianRank
Operating Cash Flow $18M $18M 14/28
OCF Growth YoY 42.5% 39.6% 11/22

Operational Efficiency

MetricQNTOIndustry medianRank
Asset Turnover 0.04x 0.03x 4/25
Fixed Assets Turnover 16.9x 3.9x 1/25

Income Statement

MetricQNTOIndustry medianRank
Total Revenue $25M $41M 20/27
Operating Income $1M – –
Net Income $780K $4M 24/27

Dividend & Shareholder Information

MetricQNTOIndustry medianRank
Dividends Per Share $0.59 – –
Payout Ratio 295.0% 32.1% 1/13
Shares Outstanding 3M – –
Net Income Growth -61.2% 22.9% 20/20
EPS Growth -82.5% 29.6% 18/18

Balance Sheet Highlights (USD millions)

Cash & Short-term Investments$48M7.7% of assets
Total Liabilities$577M91.6% of assets
Quarterly Financial Reports

QNTO quarterly financials and insider trading

Industry Peers · Savings Institutions, Not Federally Chartered

Quaint Oak Bancorp, Inc. (QNTO) industry peers

Companies classified under the same SEC industry code as Quaint Oak Bancorp, Inc. (Savings Institutions, Not Federally Chartered): 33 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.

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Company 90-Day AI Forecast (Alpha) Market Cap P/E Ratio P/B Ratio
QNTO Quaint Oak Bancorp, Inc. ▼ $38M 72.5x 0.7x
FLG Flagstar Bank, National Association ▶ $4.60B – 0.6x
BBT Beacon Financial Corp ▶ $2.30B 24.1x 1.9x
HFWA Heritage Financial Corp /Wa/ ▶ $1.13B 13.6x 1.0x
NBBK Nb Bancorp, Inc. ▶ $958M 14.8x 1.1x
SMBC Southern Missouri Bancorp, Inc. ▼ $773M 10.9x 2.3x
TCBX Third Coast Bancshares, Inc. ▲ $691M 10.6x 1.0x
GCBC Greene County Bancorp Inc ▼ $587M 14.3x 2.1x
HBCP Home Bancorp, Inc. ▶ $519M 11.0x 1.1x
AVBC Avidia Bancorp, Inc. ▲ $439M 104.6x 1.1x
PBFS Pioneer Bancorp, Inc./Md ▶ $437M 125.6x 1.3x
NECB Northeast Community Bancorp, Inc./Md/ ▲ $380M 8.8x 1.1x
TSBK Timberland Bancorp Inc ▶ $354M 9.4x 1.3x
FBLA Fb Bancorp, Inc. /Md/ ▼ $262M 821.9x 0.9x
RBKB Rhinebeck Bancorp, Inc. ▶ $201M 14.1x 1.4x
ECBK Ecb Bancorp, Inc. /Md/ ▲ $172M 16.9x 1.0x
SRBK Sr Bancorp, Inc. ▲ $146M 34.8x 0.8x
HYNE Hoyne Bancorp, Inc. ▼ $136M 647.9x 0.9x
WSBK Winchester Bancorp, Inc./Md/ ▼ $120M 26.4x 1.0x
BSBK Bogota Financial Corp. ▶ $116M 43.4x 0.8x
CULL Cullman Bancorp, Inc. /Md/ ▼ $97M 34.5x 1.0x
FNWB First Northwest Bancorp ▶ $91M 59.5x 0.6x
FMFG Farmers & Merchants Bancshares, Inc. ▼ $61M 9.3x 0.9x
TCBS Texas Community Bancshares, Inc. ▼ $49M 15.2x 0.9x
MBBC Marathon Bancorp, Inc. /Md/ ▼ $44M 22.0x 0.9x
PFSB Pfs Bancorp, Inc. ▲ $34M 20.1x 0.9x
URSB Ursb Bancorp, Inc. ▼ $30M – 0.8x
GOVB Gouverneur Bancorp, Inc./Md/ ▲ $22M 28.6x 0.7x
MSBB Mercer Bancorp, Inc. ▲ $21M 16.1x 0.9x
PNSB Psb Financial, Inc. ▼ $19M – 0.6x
CSBA Csb Financial Inc. ▼ $19M – 1.2x
FBSI First Bancshares Inc /Mo/ ▼ N/A – –
VWFB Vwf Bancorp, Inc. ▼ N/A – –

Where QNTO sits on the market map

Finance · Savings Institutions, Not Federally Chartered
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News

Quaint Oak Bancorp, Inc. (QNTO) stock news

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FAQ

Quaint Oak Bancorp, Inc. (QNTO) stock forecast FAQ

What is the Quaint Oak Bancorp, Inc. (QNTO) stock forecast?

Our AI ranks Quaint Oak Bancorp, Inc. outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.

How accurate are Quaint Oak Bancorp, Inc. stock predictions?

For QNTO, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 6.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 10.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report

How often are Quaint Oak Bancorp, Inc. forecasts updated?

Quaint Oak Bancorp, Inc. forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Oct. 16, 2026.

Which companies are Quaint Oak Bancorp, Inc.'s industry peers?

33 issuers in our coverage, QNTO included, share the SEC industry code Savings Institutions, Not Federally Chartered. The largest are: Flagstar Bank, National Association (FLG), Beacon Financial Corp (BBT), Heritage Financial Corp /Wa/ (HFWA), Nb Bancorp, Inc. (NBBK), Southern Missouri Bancorp, Inc. (SMBC), Third Coast Bancshares, Inc. (TCBX).

This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.