Stock fact sheet · data as of
Quaint Oak Bancorp, Inc. (QNTO): fair value, margin of safety and Wheel Score
Ticker symbol QNTO · Financial Services · Banks - Regional · United States · Value
Is QNTO undervalued?
At 14.75 (close of 5 Nov 2026), QNTO trades 65% below the GLS average fair value of 42.53. That average comes from 9 models run on the latest filings, and 4 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Quaint Oak Bancorp, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 9 models disagree widely: GLS Growth gives 1.61 while DCF gives 177.69. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, QNTO is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 64, growth score 15, out of 100).
Nine valuation models for QNTO
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 177.69 | +1105% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 15.81 | +7% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 8.86 | -40% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 2.20 | -85% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 1.61 | -89% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 141.83 | +862% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 26.32 | +78% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 2.35 | -84% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 6.10 | -59% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -9.28 | -163% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
On financial health QNTO scores 7/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is low at 4.3 out of 10: returns on capital, margins or the balance sheet have not shown a lasting edge yet - often a young company, a thin-margin business or one that has only recently turned profitable.
Returns on capital are thin or negative - ROIC 0.4%, ROE 0.6%, ROA 0.0% - with debt at 0.42 times equity and a free-cash-flow yield of 46.8%.
The dividend yield is 1.08% with a payout ratio of 29% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from Mortgage Banking and Abstract Fees 100% (quarter Q2 FY2026).
Institutional ownership scores 5/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 0.4% |
|---|---|---|---|
| GLS Moat | 4.3 / 10 | ROE | 0.6% |
| Debt / equity | 0.42 | ROA | 0.0% |
| Free-cash-flow yield | 46.8% | Payout ratio | 29% |
| Institutions | 5 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 33: No options
QNTO has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (33 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 1k shares a day on a market cap of $39M, with a beta of -0.05 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $39M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 65% below fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 4.3/10 | |
| Health | Good | Piotroski 7/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta -0.05, $39M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for QNTO in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Quaint Oak Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| ANDC Andover Bancorp, Inc. | 19.76 | 29.74 | +34% | 31No options | $39M |
| RBNK RiverBank Holding Company | 34.19 | 91.78 | +63% | 31No options | $39M |
| PFBN Pacific Alliance Bank | 11.87 | 8.19 | -45% | 17No options | $38M |
| FRFC First Robinson Financial Corporation | 78.00 | 212.23 | +63% | 31No options | $40M |
| AMFC AMB Financial Corp. | 42.00 | 43.88 | +4% | 20No options | $38M |
| EXCH Exchange Bankshares, Inc. | 64.30 | 90.79 | +29% | 33No options | $38M |
| CYSM Community Bancorp of Santa Maria | 18.65 | 29.30 | +36% | 35No options | $41M |
| HCKG Hocking Valley Bancshares, Inc. | 33.25 | 66.51 | +50% | 33No options | $41M |
| FMFP First Community Financial Corporation | 12.93 | 10.30 | -26% | 15No options | $37M |
| FPBC First Pacific Bancorp | 8.30 | 15.34 | +46% | 28No options | $36M |
| FBPA The Farmers Bank of Appomattox | 33.00 | 43.42 | +24% | 30No options | $36M |
| EFSG Enterprise Financial Services Group, Inc. | 29.70 | 37.64 | +21% | 28No options | $36M |
⚖ Compare QNTO with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about QNTO
Is QNTO undervalued right now?
By the GLS models, yes: at 14.75 the stock is 65% below the average fair value of 42.53 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of QNTO and what does it mean?
QNTO has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for QNTO?
42.53 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Quaint Oak Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for QNTO in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does QNTO have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on QNTO, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.