QNTO (Quaint Oak Bancorp) ROE % Adjusted to Book Value: 1.59% (As of Mar. 2026)


QNTO Quaint Oak Bancorp Inc QNTO
49 GF Score
Price $16.22
GF Value $9.74
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Quaint Oak Bancorp ROE % Adjusted to Book Value?

Quaint Oak Bancorp QNTO -3.74% 49 ROE % Adjusted to Book Value is 1.59% 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.

Quaint Oak Bancorp's ROE % for the quarter that ended in Mar. 2026 was 1.27%. Quaint Oak Bancorp's PB Ratio for the quarter that ended in Mar. 2026 was 0.80. Quaint Oak Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 1.59%.


Quaint Oak Bancorp ROE % Adjusted to Book Value Related Terms


Quaint Oak Bancorp ROE % Adjusted to Book Value Historical Data

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The historical data trend for Quaint Oak Bancorp's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Quaint Oak Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 18.33 18.47 7.60 10.63 1.05

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
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -1.17 3.78 -0.60 2.29 1.59

QNTO vs UNBK, LUMB, WDFN: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Quaint Oak Bancorp's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Quaint Oak Bancorp's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Quaint Oak Bancorp's ROE % Adjusted to Book Value falls into.


QNTO
49GF Score
Quaint Oak Bancorp Inc QNTO
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Quaint Oak Bancorp ROE % Adjusted to Book Value Calculation

Quaint Oak Bancorp's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=0.61% / 0.58
=1.05%

Quaint Oak Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=1.27% / 0.80
=1.59%

* 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.

What does a ROE % Adjusted to Book Value of 1.59% mean?
Quaint Oak Bancorp (QNTO) has a ROE % Adjusted to Book Value of 1.59% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Quaint Oak Bancorp and its competitors.
Is Quaint Oak Bancorp's ROE % Adjusted to Book Value too high?
Quaint Oak Bancorp's current ROE % Adjusted to Book Value is 1.59%. 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 ROE % Adjusted to Book Value compare to UNBK and LUMB?
Quaint Oak Bancorp's ROE % Adjusted to Book Value of 1.59% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Quaint Oak Bancorp and its competitors. Quaint Oak Bancorp's current ROE % Adjusted to Book Value is 1.59%. 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 ROE % Adjusted to Book Value is 1.59%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Quaint Oak Bancorp (QNTO), the current ROE % Adjusted to Book Value is 1.59% 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:

  • ROE % Adjusted to Book Value: 1.59%
  • 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

Address 501 Knowles Avenue, Southampton, PA, USA, 18966
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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.22
Price
$9.74
GF Value