QNTO (Quaint Oak Bancorp) LT-Debt-to-Total-Asset: 0.03 (As of Mar. 2026)

What is Quaint Oak Bancorp LT-Debt-to-Total-Asset?

Quaint Oak Bancorp QNTO -3.74% 49 LT-Debt-to-Total-Asset is 0.03 as of Mar. 2026. GuruFocus rates QNTO with a GF Score™ of 49/100 and a GF Value™ of $9.74 (Significantly Overvalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Quaint Oak Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.03.

Quaint Oak Bancorp's long-term debt to total assets ratio stayed the same from Mar. 2025 (0.03) to Mar. 2026 (0.03).

Quaint Oak Bancorp (OTCPK:QNTO) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Quaint Oak Bancorp LT-Debt-to-Total-Asset Related Terms

Quaint Oak Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Quaint Oak Bancorp's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Quaint Oak Bancorp Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.06

0.09

0.07

0.03

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.03	0.12	0.09	0.03	0.03

49GF Score

Quaint Oak Bancorp Inc QNTO

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Quaint Oak Bancorp LT-Debt-to-Total-Asset Calculation

Quaint Oak Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	17.619	/	675.853
	=	0.03

Quaint Oak Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	17.663	/	643.219
	=	0.03

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.03 mean?

Quaint Oak Bancorp (QNTO) has a LT-Debt-to-Total-Asset of 0.03 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Quaint Oak Bancorp and its competitors.

Is Quaint Oak Bancorp's LT-Debt-to-Total-Asset too high?

Quaint Oak Bancorp's current LT-Debt-to-Total-Asset is 0.03. 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 LT-Debt-to-Total-Asset compare to PNBI and HCBC?

Quaint Oak Bancorp's LT-Debt-to-Total-Asset of 0.03 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Quaint Oak Bancorp and its competitors. Quaint Oak Bancorp's current LT-Debt-to-Total-Asset is 0.03. 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 LT-Debt-to-Total-Asset is 0.03. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Quaint Oak Bancorp (QNTO), the current LT-Debt-to-Total-Asset is 0.03 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 $16.22 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:

LT-Debt-to-Total-Asset: 0.03
GF Value™: $9.74 vs. price of $16.22 (66.5% 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

Industry Financial Services Banks

Comparable Companies PNBI HCBC CYSM SCYT ESBS SOUB TMAK LUMB WDFN UNBK SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 501 Knowles Avenue, Southampton, PA, USA, 18966

Website https://www.quaintoak.com

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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$16.22

Price

$9.74

GF Value

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