QNTO (Quaint Oak Bancorp) Cyclically Adjusted Book per Share: $0.00 (As of Jun. 2026)

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QNTO Quaint Oak Bancorp Inc QNTO
49 GF Score
Price $14.25
GF Value $9.62
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Quaint Oak Bancorp Cyclically Adjusted Book per Share?

Quaint Oak Bancorp QNTO -1.72% 49 Cyclically Adjusted Book per Share is $0.00 as of Jun. 2026. GuruFocus rates QNTO with a GF Score™ of 49/100 and a GF Value™ of $9.62 (Significantly Overvalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Quaint Oak Bancorp's adjusted book value per share for the three months ended in Jun. 2026 was $20.043. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $0.00 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Quaint Oak Bancorp's average Cyclically Adjusted Book Growth Rate was 6.70% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 7.80% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 10.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Quaint Oak Bancorp was 12.00% per year. The lowest was 6.70% per year. And the median was 8.80% per year.

As of today (2026-08-17), Quaint Oak Bancorp's current stock price is $14.25. Quaint Oak Bancorp's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was $0.00. Quaint Oak Bancorp's Cyclically Adjusted PB Ratio of today is .

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Quaint Oak Bancorp was 1.86. The lowest was 0.50. And the median was 1.29.


Quaint Oak Bancorp  (OTCPK:QNTO) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Quaint Oak Bancorp was 1.86. The lowest was 0.50. And the median was 1.29.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Quaint Oak Bancorp Cyclically Adjusted Book per Share Related Terms


Quaint Oak Bancorp Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Quaint Oak Bancorp's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Quaint Oak Bancorp Cyclically Adjusted Book per Share Chart

Quaint Oak Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.67 14.37 15.74 16.94 18.01

Quaint Oak Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 17.64 17.91 18.01 18.49 0.00

QNTO vs EFSG, GNRV, BHDB: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Quaint Oak Bancorp's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Quaint Oak Bancorp Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Quaint Oak Bancorp's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Quaint Oak Bancorp's Cyclically Adjusted PB Ratio falls into.


QNTO
49GF Score
Quaint Oak Bancorp Inc QNTO
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Quaint Oak Bancorp Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Quaint Oak Bancorp's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=20.043/333.9520*333.9520
=20.043

Current CPI (Jun. 2026) = 333.9520.

Quaint Oak Bancorp Quarterly Data

Book Value per Share CPI Adj_Book
201609 10.803 241.428 14.943
201612 10.994 241.432 15.207
201703 10.986 243.801 15.048
201706 11.214 244.955 15.288
201709 11.504 246.819 15.565
201712 11.555 246.524 15.653
201803 11.501 249.554 15.391
201806 11.518 251.989 15.264
201809 11.822 252.439 15.639
201812 12.063 251.233 16.035
201903 12.219 254.202 16.052
201906 12.433 256.143 16.210
201909 12.800 256.759 16.648
201912 13.051 256.974 16.961
202003 13.200 258.115 17.078
202006 13.443 257.797 17.414
202009 13.949 260.280 17.897
202012 14.458 260.474 18.537
202103 14.909 264.877 18.797
202106 15.512 271.696 19.066
202109 16.347 274.310 19.901
202112 17.299 278.802 20.721
202203 18.317 287.504 21.276
202206 18.912 296.311 21.314
202209 20.067 296.808 22.578
202212 20.661 296.797 23.247
202303 20.660 301.836 22.858
202306 20.465 305.109 22.400
202309 20.121 307.789 21.831
202312 20.146 306.746 21.933
202403 20.106 312.332 21.498
202406 19.547 314.175 20.777
202409 19.520 315.301 20.675
202412 20.029 315.605 21.193
202503 19.895 319.799 20.775
202506 19.824 322.561 20.524
202509 19.792 324.800 20.350
202512 19.837 324.054 20.443
202603 19.886 330.213 20.111
202606 20.043 333.952 20.043

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $0.00 mean?
Quaint Oak Bancorp (QNTO) has a Cyclically Adjusted Book per Share of $0.00 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Quaint Oak Bancorp and its competitors.
Is Quaint Oak Bancorp's Cyclically Adjusted Book per Share too high?
Quaint Oak Bancorp's current Cyclically Adjusted Book per Share is $0.00. Overall, Quaint Oak Bancorp has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Quaint Oak Bancorp's Cyclically Adjusted Book per Share compare to EFSG and GNRV?
Quaint Oak Bancorp's Cyclically Adjusted Book per Share of $0.00 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Quaint Oak Bancorp and its competitors. Quaint Oak Bancorp's current Cyclically Adjusted Book per Share is $0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Quaint Oak Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Quaint Oak Bancorp (QNTO) is currently considered Significantly Overvalued. The stock's GF Value™ is $9.62, compared to a current price of $14.25 — trading 48.1% above its estimated fair value. The current Cyclically Adjusted Book per Share is $0.00. Quaint Oak Bancorp's overall GF Score™ is 49/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Quaint Oak Bancorp (QNTO), the current Cyclically Adjusted Book per Share is $0.00 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Quaint Oak Bancorp (QNTO) Overvalued in 2026?

Based on GuruFocus' analysis, Quaint Oak Bancorp stock appears to be overvalued. The current stock price of $14.25 is trading 48.1% above its estimated GF Value™ of $9.62. GuruFocus considers Quaint Oak Bancorp to be Significantly Overvalued.

Key valuation signals for QNTO:

  • Cyclically Adjusted Book per Share: $0.00
  • GF Value™: $9.62 vs. price of $14.25 (48.1% above fair value)
  • GF Score™: 49/100 with 3 warning signs

No single metric tells the full story. See the QNTO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Quaint Oak Bancorp Business Description

Address 501 Knowles Avenue, Southampton, PA, USA, 18966
Quaint Oak Bancorp Inc is a Pennsylvania-chartered stock savings bank and wholly-owned subsidiary of Quaint Oak Bancorp Inc. Its 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 owner-occupied loans, and multi-family residential loans. The Company's operations consist of two reportable operating segments: Banking and Oakmont Commercial. The Banking Segment generates revenues mainly from its lending, deposit gathering, and fee business activities. The Oakmont Commercial Segment originates commercial real estate loans, which are sold into the secondary market along with the loans' servicing rights.
49GF Score

Get the complete analysis for QNTO

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.25
Price
$9.62
GF Value