QNTO (Quaint Oak Bancorp) E10: $1.69 (As of Mar. 2026)


QNTO Quaint Oak Bancorp Inc QNTO
49 GF Score
Price $16.85
GF Value $9.75
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Quaint Oak Bancorp E10?

Quaint Oak Bancorp QNTO 49 E10 is $1.69 as of Mar. 2026. GuruFocus rates QNTO with a GF Score™ of 49/100 and a GF Value™ of $9.75 (Significantly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Quaint Oak Bancorp's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.060. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $1.69 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Quaint Oak Bancorp's average E10 Growth Rate was -1.20% per year. During the past 3 years, the average E10 Growth Rate was 2.50% per year. During the past 5 years, the average E10 Growth Rate was 14.10% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Quaint Oak Bancorp was 29.70% per year. The lowest was 2.50% per year. And the median was 18.10% per year.

As of today (2026-06-24), Quaint Oak Bancorp's current stock price is $16.85. Quaint Oak Bancorp's E10 for the quarter that ended in Mar. 2026 was $1.69. Quaint Oak Bancorp's Shiller PE Ratio of today is 9.97.

During the past 13 years, the highest Shiller PE Ratio of Quaint Oak Bancorp was 28.54. The lowest was 5.30. And the median was 17.29.


Quaint Oak Bancorp  (OTCPK:QNTO) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Quaint Oak Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=16.85/1.69
=9.97

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Quaint Oak Bancorp was 28.54. The lowest was 5.30. And the median was 17.29.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Quaint Oak Bancorp E10 Related Terms


Quaint Oak Bancorp E10 Historical Data

* Premium members only.

The historical data trend for Quaint Oak Bancorp's E10 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 E10 Chart

Quaint Oak Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.17 1.55 1.64 1.70 1.67

Quaint Oak Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 1.71 1.70 1.69 1.67 1.69

QNTO vs UNBK, LUMB, WDFN: E10 Comparison

For the Banks - Regional subindustry, Quaint Oak Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Quaint Oak Bancorp's Shiller PE Ratio falls into.


QNTO
49GF Score
Quaint Oak Bancorp Inc QNTO
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Quaint Oak Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.06/330.2130*330.2130
=0.060

Current CPI (Mar. 2026) = 330.2130.

Quaint Oak Bancorp Quarterly Data

per share eps CPI Adj_EPS
201606 0.210 241.018 0.288
201609 0.210 241.428 0.287
201612 0.230 241.432 0.315
201703 0.090 243.801 0.122
201706 0.260 244.955 0.350
201709 0.300 246.819 0.401
201712 0.090 246.524 0.121
201803 0.140 249.554 0.185
201806 0.270 251.989 0.354
201809 0.330 252.439 0.432
201812 0.260 251.233 0.342
201903 0.210 254.202 0.273
201906 0.330 256.143 0.425
201909 0.400 256.759 0.514
201912 0.290 256.974 0.373
202003 0.210 258.115 0.269
202006 0.360 257.797 0.461
202009 0.500 260.280 0.634
202012 0.530 260.474 0.672
202103 0.500 264.877 0.623
202106 0.720 271.696 0.875
202109 0.850 274.310 1.023
202112 0.980 278.802 1.161
202203 1.050 287.504 1.206
202206 0.820 296.311 0.914
202209 1.220 296.808 1.357
202212 0.560 296.797 0.623
202303 0.250 301.836 0.274
202306 0.250 305.109 0.271
202309 -0.110 307.789 -0.118
202312 0.490 306.746 0.527
202403 0.360 312.332 0.381
202406 0.040 314.175 0.042
202409 0.090 315.301 0.094
202412 0.600 315.605 0.628
202503 -0.030 319.799 -0.031
202506 0.100 322.561 0.102
202509 -0.020 324.800 -0.020
202512 0.070 324.054 0.071
202603 0.060 330.213 0.060

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $1.69 mean?
Quaint Oak Bancorp (QNTO) has a E10 of $1.69 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Quaint Oak Bancorp and its competitors.
Is Quaint Oak Bancorp's E10 too high?
Quaint Oak Bancorp's current E10 is $1.69. 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 E10 compare to UNBK and LUMB?
Quaint Oak Bancorp's E10 of $1.69 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Quaint Oak Bancorp and its competitors. Quaint Oak Bancorp's current E10 is $1.69. 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 $9.75, compared to a current price of $16.85 — trading 72.8% above its estimated fair value. The current E10 is $1.69. Quaint Oak Bancorp's overall GF Score™ is 49/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Quaint Oak Bancorp (QNTO), the current E10 is $1.69 as of Mar. 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 $16.85 is trading 72.8% above its estimated GF Value™ of $9.75. GuruFocus considers Quaint Oak Bancorp to be Significantly Overvalued.

Key valuation signals for QNTO:

  • E10: $1.69
  • GF Value™: $9.75 vs. price of $16.85 (72.8% above fair value)
  • GF Score™: 49/100 with 7 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.85
Price
$9.75
GF Value