Quaint Oak Bancorp Inc - Understand $qnto stock

$QNTO Market Cap: $29.76 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$33.49M

TTM

Gross Margin

Net Earnings

$2.358M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$701.6M

Q3 2024

Total Liabilities

$650.2M

Q3 2024

Book Value

$51.40M

Q3 2024

Cash

$61.34M

Q3 2024

P/E

12.62

Nov 13, 2024 EST

Free Cash Flow

$62.55M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Revenue	$44.47M	$32.47M	$25.00M	$16.32M	$14.11M	$12.13M	$10.59M	$9.183M	$8.424M
YoY Change	36.97%	29.89%	53.13%	15.68%	16.38%	14.52%	15.3%	9.01%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Revenue	$44.47M	$32.47M	$25.00M	$16.32M	$14.11M	$12.13M	$10.59M	$9.183M	$8.424M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$530.0K	$437.0K	$313.0K	$249.0K	$200.0K	$202.0K	$192.0K	$184.0K	$182.0K	$170.0K	$140.0K	$110.0K	$50.00K	$60.00K	$40.00K	$30.00K	$10.00K	$10.00K
YoY Change	21.28%	39.62%	25.7%	24.5%	-0.99%	5.21%	4.35%	1.1%	7.06%	21.43%	27.27%	120.0%	-16.67%	50.0%	33.33%	200.0%	0.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit	$2.898M	$13.37M	$9.314M	$4.537M	$3.427M	$2.671M
YoY Change	-78.32%	43.49%	105.29%	32.39%	28.3%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Interest Expense	$26.31M	$8.777M	$4.375M	$5.488M	$5.426M	$3.820M	$3.002M	$2.565M	$2.091M
YoY Change	199.73%	100.62%	-20.28%	1.14%	42.04%	27.25%	17.04%	22.67%
% of Operating Profit	907.76%	65.67%	46.97%	120.96%	158.33%	143.02%
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Pretax Income	$2.898M	$13.37M	$9.314M	$4.537M	$3.427M	$2.671M	$2.672M	$2.234M	$1.994M	$1.940M	$1.120M	$1.570M	$880.0K	$1.110M	$800.0K	$850.0K	$800.0K	$930.0K
YoY Change	-78.32%	43.49%	105.29%	32.39%	28.3%	-0.04%	19.61%	12.04%	2.78%	73.21%	-28.66%	78.41%	-20.72%	38.75%	-5.88%	6.25%	-13.98%
Income Tax	$1.228M	$3.054M	$2.492M	$1.292M	$950.0K	$667.0K	$1.205M	$736.0K	$723.0K	$690.0K	$420.0K	$590.0K	$350.0K	$440.0K	$310.0K	$340.0K	$310.0K	$360.0K
% Of Pretax Income	42.37%	22.85%	26.76%	28.48%	27.72%	24.97%	45.1%	32.95%	36.26%	35.57%	37.5%	37.58%	39.77%	39.64%	38.75%	40.0%	38.75%	38.71%
Net Earnings	$2.020M	$7.863M	$6.404M	$3.245M	$2.477M	$2.004M	$1.467M	$1.498M	$1.271M	$1.240M	$700.0K	$980.0K	$530.0K	$670.0K	$490.0K	$510.0K	$490.0K	$570.0K
YoY Change	-74.31%	22.78%	97.35%	31.01%	23.6%	36.61%	-2.07%	17.86%	2.5%	77.14%	-28.57%	84.91%	-20.9%	36.73%	-3.92%	4.08%	-14.04%
Net Earnings / Revenue	4.54%	24.22%	25.62%	19.88%	17.55%	16.53%	13.86%	16.31%	15.09%
Basic Earnings Per Share	$0.90	$3.85	$3.21	$1.64	$1.27	$1.04	$0.79	$0.84	$0.74
Diluted Earnings Per Share	$0.89	$3.65	$3.06	$1.61	$1.24	$1.01	$0.74	$0.77	$0.68	$685.1K	$378.4K	$547.5K	$301.1K	$325.2K	$209.4K	$204.8K	$120.1K	$139.7K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$2.933M	$2.775M	$2.700M	$2.300M	$2.200M	$2.100M	$2.000M	$1.700M	$1.800M	$1.600M	$1.600M	$1.600M	$1.100M	$1.100M	$1.100M	$100.0K	$100.0K	$0.00
YoY Change	5.69%	2.78%	17.39%	4.55%	4.76%	5.0%	17.65%	-5.56%	12.5%	0.0%	0.0%	45.45%	0.0%	0.0%	1000.0%	0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets							$500.0K	$700.0K	$500.0K	$500.0K	$300.0K
YoY Change							-28.57%	40.0%	0.0%	66.67%
Total Long-Term Assets
YoY Change
Total Assets	$754.1M	$792.4M	$554.1M	$484.1M	$302.5M	$271.4M	$239.6M	$216.2M	$184.2M	$155.6M	$127.4M	$117.4M	$109.2M	$102.1M	$93.90M	$88.40M	$73.50M	$61.20M
YoY Change
Accounts Payable	$1.106M	$584.0K	$200.0K	$400.0K	$300.0K	$200.0K	$200.0K	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K
YoY Change	89.38%	192.0%	-50.0%	33.33%	50.0%	0.0%	100.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Accrued Expenses	$9.490M	$9.573M	$6.000M	$3.400M	$1.900M	$1.000M	$600.0K	$500.0K	$400.0K	$500.0K	$300.0K	$400.0K	$200.0K	$300.0K	$100.0K	$100.0K
YoY Change	-0.87%	59.55%	76.47%	78.95%	90.0%	66.67%	20.0%	25.0%	-20.0%	66.67%	-25.0%	100.0%	-33.33%	200.0%	0.0%
Deferred Revenue
YoY Change
Short-Term Debt	$9.279M	$16.68M	$6.800M	$50.60M	$2.800M	$2.600M	$2.400M	$2.200M	$1.900M	$1.600M	$1.200M	$1.000M	$800.0K	$1.200M	$1.200M	$700.0K	$600.0K	$600.0K
YoY Change	-44.35%	145.22%	-86.56%	1707.14%	7.69%	8.33%	9.09%	15.79%	18.75%	33.33%	20.0%	25.0%	-33.33%	0.0%	71.43%	16.67%	0.0%
Long-Term Debt Due	$0.00	$0.00
YoY Change
Total Short-Term Liabilities	$19.88M	$10.16M	$6.200M	$3.800M	$2.200M	$1.200M	$800.0K	$600.0K	$500.0K	$600.0K	$400.0K	$500.0K	$300.0K	$400.0K	$200.0K	$200.0K	$100.0K	$100.0K
YoY Change	95.68%	63.82%	63.16%	72.73%	83.33%	50.0%	33.33%	20.0%	-16.67%	50.0%	-20.0%	66.67%	-25.0%	100.0%	0.0%	100.0%	0.0%
Long-Term Debt	$21.96M	$7.966M	$7.900M	$7.900M	$7.900M	$7.800M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	175.63%	0.84%	0.0%	0.0%	1.28%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$21.96M	$7.966M	$7.900M	$7.900M	$7.900M	$7.800M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	175.63%	0.84%	0.0%	0.0%	1.28%
Total Liabilities	$705.6M	$747.6M	$519.3M	$455.3M	$276.6M	$247.6M	$217.4M	$195.4M	$165.1M	$138.1M	$110.4M	$100.5M	$93.50M	$86.90M	$76.60M	$71.10M	$56.00M	$56.50M
YoY Change	-5.61%	43.95%	14.06%	64.61%	11.71%	13.89%	11.26%	18.35%	19.55%	25.09%	9.85%	7.49%	7.59%	13.45%	7.74%	26.96%	-0.88%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Basic Shares Outstanding	2.254M	2.043M	1.995M	1.976M	1.957M	1.923M	1.857M	1.781M	1.718M
Diluted Shares Outstanding	2.275M	2.153M	2.093M	2.012M	2.005M	1.983M	1.995M	1.936M	1.882M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $29.757 Million

About QUAINT OAK BANCORP INC

Quaint Oak Bancorp, Inc. is a holding company, which engages in community banking. The company is headquartered in Southampton, Pennsylvania and currently employs 124 full-time employees. The company went IPO on 2007-07-05. Quaint Oak Bank's primary business consists of attracting deposits from the general public through a variety of deposit programs and investing such deposits principally in commercial real estate loans, commercial business loans, one-to-four family residential non-owner occupied loans, multi-family residential loans, construction loans, one-to-four family residential owner occupied loans, and home equity loans. Quaint Oak Bank originates loans to businesses for working capital, purchase of a business, tenant improvements, receivables, purchase of inventory and various others. In addition, Quaint Oak Bank offers mortgage banking, multi-state specialty commercial real estate financing and equipment financing, real estate sales, title abstract and insurance services through its subsidiary companies. Quaint Oak Bank serves its customers through its offices as well as through correspondence, telephone and on-line banking.

Industry: Savings Institutions, Not Federally Chartered Peers: Bancorp 34 Inc HV Bancorp, Inc. Income Opportunity Realty Investors Inc Rocket Companies Inc Texas Community Bancshares Inc