QNTO (Quaint Oak Bancorp) Dividend Payout Ratio: 0.67 (As of Mar. 2026) — 168% Above Median

What is Quaint Oak Bancorp Dividend Payout Ratio?

Quaint Oak Bancorp QNTO -3.74% 49 Dividend Payout Ratio is 0.67 as of Mar. 2026, which is 168% above its 10-year median of 0.25. 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. Among 1,168 Banks companies, Quaint Oak Bancorp ranks worse than 97.95% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Quaint Oak Bancorp's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.67.

Warning Sign:

If a company's dividend payout ratio is too high, its dividend may not be sustainable. The dividend payout ratio of Quaint Oak Bancorp Inc is 1.19, which seems too high.

The historical rank and industry rank for Quaint Oak Bancorp's Dividend Payout Ratio or its related term are showing as below:

QNTO' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.14 Med: 0.25 Max: 2.83
Current: 1.19

During the past 13 years, the highest Dividend Payout Ratio of Quaint Oak Bancorp was 2.83. The lowest was 0.14. And the median was 0.25.

QNTO's Dividend Payout Ratio is ranked worse than
97.95% of 1168 companies
in the Banks industry
Industry Median: 0.32 vs QNTO: 1.19

As of today (2026-06-27), the Dividend Yield % of Quaint Oak Bancorp is 0.99%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Quaint Oak Bancorp was 5.20%. The lowest was 0.99%. And the median was 2.19%.

Quaint Oak Bancorp's Dividends per Share for the months ended in Mar. 2026 was $0.04.

During the past 12 months, Quaint Oak Bancorp's average Dividends Per Share Growth Rate was -51.90% per year. During the past 3 years, the average Dividends Per Share Growth Rate was -12.10% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 1.10% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 13.40% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Quaint Oak Bancorp was 29.10% per year. The lowest was -12.10% per year. And the median was 18.20% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Quaint Oak Bancorp (OTCPK:QNTO) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Quaint Oak Bancorp Dividend Payout Ratio Related Terms

Quaint Oak Bancorp Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Quaint Oak Bancorp's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

Quaint Oak Bancorp Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Dividend Payout Ratio

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0.14

0.52

1.01

2.83

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
Dividend Payout Ratio	Get a 7-Day Free Trial															0.00	1.30	0.00	0.57	0.67

QNTO vs UNBK, LUMB, WDFN: Dividend Payout Ratio Comparison

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

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

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

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49GF Score

Quaint Oak Bancorp Inc QNTO

Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

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Quaint Oak Bancorp Dividend Payout Ratio Calculation

Quaint Oak Bancorp's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (A: Dec. 2025 )	/	EPS without NRI (A: Dec. 2025 )
	=	0.34	/	0.12
	=	2.83

Quaint Oak Bancorp's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio	=	Dividends per Share (Q: Mar. 2026 )	/	EPS without NRI (Q: Mar. 2026 )
	=	0.04	/	0.06
	=	0.67

Frequently Asked Questions Learn more about Dividend Payout Ratio →

What does a Dividend Payout Ratio of 0.67 mean?

Quaint Oak Bancorp (QNTO) has a Dividend Payout Ratio of 0.67 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Quaint Oak Bancorp and its competitors. This is 168% above median its historical median of 0.25. Over the past decade, Quaint Oak Bancorp's Dividend Payout Ratio has ranged from 0.14 to 2.83. According to the industry distribution chart, Quaint Oak Bancorp ranks #1144 out of 1168 companies in the Banks industry, placing it in the top 97.9%.

Is Quaint Oak Bancorp's Dividend Payout Ratio too high?

Quaint Oak Bancorp's current Dividend Payout Ratio of 0.67 is 168% above median its 10-year median of 0.25. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 2.83. The Banks industry median Dividend Payout Ratio is 0.32. Quaint Oak Bancorp's value of 0.67 is 109.4% above this industry median. Based on the distribution chart, Quaint Oak Bancorp ranks #1144 out of 1168 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 Dividend Payout Ratio compare to UNBK and LUMB?

According to the Banks industry distribution chart, Quaint Oak Bancorp ranks #1144 out of 1168 companies for Dividend Payout Ratio. This places Quaint Oak Bancorp in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Quaint Oak Bancorp's value of 0.67 is 109.4% above this benchmark. Historically, Quaint Oak Bancorp's own Dividend Payout Ratio has ranged from 0.14 to 2.83 over the past decade. While the company's 10-year median is 0.25 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?

The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,168 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Quaint Oak Bancorp's current Dividend Payout Ratio of 0.67 is 109.4% 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 Dividend Payout Ratio mean?

A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Quaint Oak Bancorp and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Quaint Oak Bancorp's current Dividend Payout Ratio is 0.67, which is 168% above median its own 10-year median of 0.25. 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 Dividend Payout Ratio is 0.67, which is 168% above median its 10-year median of 0.25 and 109.4% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?

Dividend Payout Ratio is calculated from a company's financial statements. For Quaint Oak Bancorp (QNTO), the current Dividend Payout Ratio is 0.67 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:

Dividend Payout Ratio: 0.67 (168% above median its 10-year median of 0.25)
GF Value™: $9.74 vs. price of $16.22 (66.5% above fair value)
GF Score™: 49/100 with 7 warning signs
Industry Position: 109.4% above the Banks median (#1144 of 1168)

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 UNBK LUMB WDFN ESBS SOUB TCBS FSBH PNBI MBBC TMAK SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

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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