Quaint Oak BancorpQNTO 49 FCF Margin % is 136.36% as of Mar. 2026, which is 4538% above its 10-year median of 2.94. 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. Among 1,505 Banks companies, Quaint Oak Bancorp ranks worse than 74.82% on this metric.
The historical rank and industry rank for Quaint Oak Bancorp's FCF Margin % or its related term are showing as below:
QNTO'
s FCF Margin % Range Over the Past 10 Years
Min: -253.83 Med: 2.94 Max: 315.46
Current: -2.71
During the past 13 years, the highest FCF Margin % of Quaint Oak Bancorp was 315.46%. The lowest was -253.83%. And the median was 2.94%.
QNTO's FCF Margin % is ranked worse than 74.82% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs QNTO: -2.71
Quaint Oak Bancorp FCF Margin % Related Terms
Quaint Oak Bancorp FCF Margin % Historical Data
* Premium members only.
The historical data trend for Quaint Oak Bancorp's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Quaint Oak Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Quaint Oak Bancorp's FCF Margin % falls into.
* 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 FCF Margin % of 136.36% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Quaint Oak Bancorp and its competitors. This is 4538% above median its historical median of 2.94. According to the industry distribution chart, Quaint Oak Bancorp ranks #1126 out of 1505 companies in the Banks industry, placing it in the top 74.8%.
Is Quaint Oak Bancorp's FCF Margin % too high?
Quaint Oak Bancorp's current FCF Margin % of 136.36% is 4538% above median its 10-year median of 2.94. The Banks industry median FCF Margin % is 26.42. Quaint Oak Bancorp's value of 136.36% is 416.1% above this industry median. Based on the distribution chart, Quaint Oak Bancorp ranks #1126 out of 1505 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to UNBK and LUMB?
According to the Banks industry distribution chart, Quaint Oak Bancorp ranks #1126 out of 1505 companies for FCF Margin %. This places Quaint Oak Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.42. Quaint Oak Bancorp's value of 136.36% is 416.1% above this benchmark. While the company's 10-year median is 2.94 vs. the industry median of 26.42, Quaint Oak Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Quaint Oak Bancorp's current FCF Margin % of 136.36% is 416.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Quaint Oak Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Quaint Oak Bancorp's current FCF Margin % is 136.36%, which is 4538% above median its own 10-year median of 2.94. 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 FCF Margin % is 136.36%, which is 4538% above median its 10-year median of 2.94 and 416.1% above the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Quaint Oak Bancorp (QNTO), the current FCF Margin % is 136.36% 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:
FCF Margin %: 136.36% (4538% above median its 10-year median of 2.94)
GF Value™: $9.75 vs. price of $16.85 (72.8% above fair value)
Industry Position: 416.1% above the Banks median (#1126 of 1505)
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
Get the complete analysis for QNTO
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
QNTO has been successfully added to your 
