Quaint Oak Bancorp has the GF Score of 49, which implies that the company
might have
Worst future performance potential, or not enough data.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Quaint Oak Bancorp
might have
Worst future performance potential, or not enough data.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Quaint Oak Bancorp (OTCPK:QNTO) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Quaint Oak Bancorp GF Score Related Terms
QNTO vs PNBI, HCBC, CYSM: GF Score Comparison
For the Banks - Regional subindustry, Quaint Oak Bancorp's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Quaint Oak Bancorp's GF Score distribution charts can be found below:
* The bar in red indicates where Quaint Oak Bancorp's GF Score falls into.
Quaint Oak Bancorp (QNTO) has a GF Score of 49 as of Jun. 30, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Quaint Oak Bancorp and its competitors. This is 34% below median its historical median of 74.00. Over the past decade, Quaint Oak Bancorp's GF Score has ranged from 48.00 to 89.00.
Is Quaint Oak Bancorp's GF Score too high?
Quaint Oak Bancorp's current GF Score of 49 is 34% below median its 10-year median of 74.00. Over the past 10 years, this metric has ranged from a low of 48.00 to a high of 89.00. 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 GF Score compare to PNBI and HCBC?
Quaint Oak Bancorp's GF Score of 49 can be compared against companies in the Banks industry. Historically, Quaint Oak Bancorp's own GF Score has ranged from 48.00 to 89.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Quaint Oak Bancorp and its competitors. Quaint Oak Bancorp's current GF Score is 49, which is 34% below median its own 10-year median of 74.00. 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 $9.74, compared to a current price of $16.22 — trading 66.5% above its estimated fair value. The current GF Score is 49, which is 34% below median its 10-year median of 74.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Quaint Oak Bancorp (QNTO), the current GF Score is 49 as of Jun. 30, 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 $16.22 is trading 66.5% above its estimated GF Value™ of $9.74.
GuruFocus considers Quaint Oak Bancorp to be Significantly Overvalued.
Key valuation signals for QNTO:
GF Score: 49 (34% below median its 10-year median of 74.00)
GF Value™: $9.74 vs. price of $16.22 (66.5% 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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