QNTO (Quaint Oak Bancorp) Short-Term Debt: $0.00 Mil (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

QNTO Quaint Oak Bancorp Inc QNTO
49 GF Score
Price $14.85
GF Value $9.65
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Quaint Oak Bancorp Short-Term Debt?

Quaint Oak Bancorp QNTO -1.00% 49 Short-Term Debt is $0.00 Mil as of Mar. 2026. GuruFocus rates QNTO with a GF Score™ of 49/100 and a GF Value™ of $9.65 (Significantly Overvalued). The stock has 4 warning signs investors should review.

Quaint Oak Bancorp's Short-Term Debt for the quarter that ended in Mar. 2026 was $0.00 Mil.

Quaint Oak Bancorp's annual Short-Term Debt increased from Dec. 2023 ($0.00 Mil) to Dec. 2024 ($47.86 Mil) but then declined from Dec. 2024 ($47.86 Mil) to Dec. 2025 ($0.00 Mil).

Quaint Oak Bancorp Short-Term Debt Explanation

Short-Term Debt represents the total amount of Long-Term Debt such as bank loans and commercial paper, which is due within one year.

Quaint Oak Bancorp Short-Term Debt Related Terms

Quaint Oak Bancorp Short-Term Debt Historical Data

* Premium members only.

The historical data trend for Quaint Oak Bancorp's Short-Term Debt 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 Short-Term Debt Chart

Quaint Oak Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Short-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 26.00 98.69 0.00 47.86 0.00

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
Short-Term Debt 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 65.00 0.00 0.00 0.00 0.00
QNTO
49GF Score
Quaint Oak Bancorp Inc QNTO
Short-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Short-Term Debt →
What does a Short-Term Debt of $0.00 Mil mean?
Quaint Oak Bancorp (QNTO) has a Short-Term Debt of $0.00 Mil as of Mar. 2026.
Is Quaint Oak Bancorp's Short-Term Debt too high?
Quaint Oak Bancorp's current Short-Term Debt is $0.00 Mil. 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 Short-Term Debt compare to PNBI and HCBC?
Quaint Oak Bancorp's Short-Term Debt of $0.00 Mil 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 Short-Term Debt for a Banks company?
A good Short-Term Debt depends on the Banks industry context. However, Short-Term Debt 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 Short-Term Debt mean?
A high Short-Term Debt can signal that a stock is expensive relative to its fundamentals. Quaint Oak Bancorp's current Short-Term Debt is $0.00 Mil. 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 $9.65, compared to a current price of $14.85 — trading 53.9% above its estimated fair value. The current Short-Term Debt is $0.00 Mil. Quaint Oak Bancorp's overall GF Score™ is 49/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Short-Term Debt calculated?
Short-Term Debt is calculated from a company's financial statements. For Quaint Oak Bancorp (QNTO), the current Short-Term Debt is $0.00 Mil 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 $14.85 is trading 53.9% above its estimated GF Value™ of $9.65. GuruFocus considers Quaint Oak Bancorp to be Significantly Overvalued.

Key valuation signals for QNTO:

  • Short-Term Debt: $0.00 Mil
  • GF Value™: $9.65 vs. price of $14.85 (53.9% above fair value)
  • GF Score™: 49/100 with 4 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

Get the complete analysis for QNTO

Short-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.85
Price
$9.65
GF Value