QNTO
Quaint Oak Bancorp, Inc.10.71
+0.30+2.88%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
28.23MP/E (TTM)
16.23Basic EPS (TTM)
0.66Dividend Yield
0.04%Recent Filings
10-Q
8-K
Q3 net loss amid expansion
Quaint Oak Bancorp swung to a $41,000 net loss in Q3 2025, down from $243,000 income a year earlier, as upfront costs for its international correspondent banking initiative spiked non-interest expenses by $804,000. Yet non-interest income jumped 44.5% on stronger loan sales, lifting net interest margin to 2.77%. Investments strain earnings now. Non-performing loans ticked up to 1.16% but stay manageable.
8-K
Quarterly dividend declared
Quaint Oak Bancorp declared a quarterly cash dividend of $0.04 per share on October 8, 2025, payable November 3 to shareholders of record on October 20. This steady payout underscores the company's commitment to returning value amid its multi-state financial services operations. Forward-looking statements in the release highlight potential uncertainties in future performance.
10-Q
Q2 FY2025 results
Quaint Oak Bancorp's Q2 2025 results, ended June 30, showed steady operations as a smaller reporting company, with consolidated financial statements reflecting no major shifts from December 31, 2024, though specific revenue, profitability, or cash flow deltas remain undisclosed in the filing. Balance sheets and statements of operations provide unaudited snapshots for the three and six months ended June 30, 2025, versus 2024, but lack highlighted year-over-year or quarter-over-quarter changes for key metrics like EPS or FCF. No non-GAAP metrics are defined or reconciled in the 10-Q. Liquidity details, including cash and debt, appear in the balance sheets without noted covenants or maturities. Shares outstanding stood at 2,635,914 as of August 12, 2025. Competition in regional banking pressures margins.
8-K
Q2 earnings surge 172%
Quaint Oak Bancorp reported Q2 2025 net income of $272,000, up 172% from $100,000 in Q2 2024, driven by lower interest expense and higher non-interest income from loan sales, despite reduced interest income. Net interest margin expanded to 2.85% from 2.28%, while total assets dipped 2.1% to $670.8 million amid deposit outflows. Asset quality strengthened, with non-performing assets at 0.89% of total assets. One-time costs loom in H2.
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