Quaint Oak BancorpQNTO 49 EV-to-FCF is -20.93 as of Jul. 05, 2026. GuruFocus rates QNTO with a GF Score™ of 49/100 and a GF Value™ of $9.70 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,196 Banks companies, Quaint Oak Bancorp ranks worse than 83611.96% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Quaint Oak Bancorp's Enterprise Value is $14.40 Mil.
Quaint Oak Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $-0.69 Mil. Therefore, Quaint Oak Bancorp's EV-to-FCF for today is -20.93.
The historical rank and industry rank for Quaint Oak Bancorp's EV-to-FCF or its related term are showing as below:
QNTO'
s EV-to-FCF Range Over the Past 10 Years
Min: -92.98 Med: -0.76 Max: 48.63
Current: -20.93
During the past 13 years, the highest EV-to-FCF of Quaint Oak Bancorp was 48.63. The lowest was -92.98. And the median was -0.76.
QNTO's EV-to-FCF is ranked worse than 100% of 1196
companies
in the Banks industry
Industry Median: 6.565
vs QNTO: -20.93
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Quaint Oak Bancorp (OTCPK:QNTO) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Quaint Oak Bancorp's PE Ratio (TTM) for today is calculated as:
Quaint Oak Bancorp's share price for today is $16.01.
Quaint Oak Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.210.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Quaint Oak Bancorp EV-to-FCF Related Terms
Quaint Oak Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Quaint Oak Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, Quaint Oak Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Quaint Oak Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Quaint Oak Bancorp's EV-to-FCF falls into.
Quaint Oak Bancorp's current Enterprise Value is $14.40 Mil.
Quaint Oak Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.69 Mil.
* 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 (QNTO) has a EV-to-FCF of -20.93 as of Jul. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Quaint Oak Bancorp and its competitors. According to the industry distribution chart, Quaint Oak Bancorp ranks #999999 out of 1196 companies in the Banks industry.
Is Quaint Oak Bancorp's EV-to-FCF too high?
Quaint Oak Bancorp's current EV-to-FCF is -20.93. Based on the distribution chart, Quaint Oak Bancorp ranks #999999 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 EV-to-FCF compare to PNBI and HCBC?
According to the Banks industry distribution chart, Quaint Oak Bancorp ranks #999999 out of 1196 companies for EV-to-FCF. This places Quaint Oak Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.57. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Quaint Oak Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Quaint Oak Bancorp's current EV-to-FCF is -20.93. 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 $9.70, compared to a current price of $16.01 — trading 65.1% above its estimated fair value. The current EV-to-FCF is -20.93. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Quaint Oak Bancorp (QNTO), the current EV-to-FCF is -20.93 as of Jul. 05, 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 $16.01 is trading 65.1% above its estimated GF Value™ of $9.70.
GuruFocus considers Quaint Oak Bancorp to be Significantly Overvalued.
Key valuation signals for QNTO:
EV-to-FCF: -20.93
GF Value™: $9.70 vs. price of $16.01 (65.1% above fair value)
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 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
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