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The 3-Year Sortino Ratio measures the additional return that an investor receives per unit of the downside risk over the past three years. As of today (2026-09-21), Quaint Oak Bancorp's 3-Year Sortino Ratio is -0.24.
Quaint Oak Bancorp (OTCPK:QNTO) 3-Year Sortino Ratio Explanation
The 3-Year Sortino Ratio inidicates the risk-adjusted return of an investment over the past three year. It is calculated as the annualized result of the average three-year monthly excess returns divided by the standard deviation of negative returns in the three-year period. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.
Differnt from the Sharpe Ratio that penalizes both upside and downside volatility equally, the Sortino Ratio penalizes only those returns falling below a user-specified target or required rate of return. The expected returns here is set to the risk-free rate as well.
Quaint Oak Bancorp 3-Year Sortino Ratio Related Terms
QNTO vs EXCH, PCLB, GNRV: 3-Year Sortino Ratio Comparison
For the Banks - Regional subindustry, Quaint Oak Bancorp's 3-Year Sortino Ratio, along with its competitors' market caps and 3-Year Sortino 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 3-Year Sortino Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Quaint Oak Bancorp's 3-Year Sortino Ratio distribution charts can be found below:
* The bar in red indicates where Quaint Oak Bancorp's 3-Year Sortino Ratio falls into.
Quaint Oak Bancorp 3-Year Sortino Ratio Calculation
The 3-Year Sortino Ratio measures the risk-adjusted return of an investment asset or portfolio in the last three year, focusing specifically on downside risk rather than total risk. A stock / portfolio's 3-Year Sortino Ratio can be calculated by dividing the difference between the three-year average monthly returns of the investment and the risk-free rate, by the standard deviation of the downside risks over the past three year.
A downside risk is a potential loss from the asset or investment. The Downside risk here is measured by the downside deviation, which is the standard deviation of negative returns.
Quaint Oak Bancorp (QNTO) has a 3-Year Sortino Ratio of -0.24 as of Sep. 21, 2026. 3-Year Sortino Ratio measures the additional return that an investor receives per unit of the downside risk over the past three years. View historical data for Quaint Oak Bancorp and its competitors.
Is Quaint Oak Bancorp's 3-Year Sortino Ratio too high?
Quaint Oak Bancorp's current 3-Year Sortino Ratio is -0.24. 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 3-Year Sortino Ratio compare to EXCH and PCLB?
Quaint Oak Bancorp's 3-Year Sortino Ratio of -0.24 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 3-Year Sortino Ratio for a Banks company?
A good 3-Year Sortino Ratio depends on the Banks industry context. However, 3-Year Sortino Ratio 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 3-Year Sortino Ratio mean?
A high 3-Year Sortino Ratio can signal that a stock is expensive relative to its fundamentals. 3-Year Sortino Ratio measures the additional return that an investor receives per unit of the downside risk over the past three years. View historical data for Quaint Oak Bancorp and its competitors. Quaint Oak Bancorp's current 3-Year Sortino Ratio is -0.24. 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 $10.22, compared to a current price of $14.70 — trading 43.8% above its estimated fair value. The current 3-Year Sortino Ratio is -0.24. Quaint Oak Bancorp's overall GF Score™ is 49/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Sortino Ratio calculated?
3-Year Sortino Ratio is calculated from a company's financial statements. For Quaint Oak Bancorp (QNTO), the current 3-Year Sortino Ratio is -0.24 as of Sep. 21, 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 $14.70 is trading 43.8% above its estimated GF Value™ of $10.22.
GuruFocus considers Quaint Oak Bancorp to be Significantly Overvalued.
Key valuation signals for QNTO:
3-Year Sortino Ratio: -0.24
GF Value™: $10.22 vs. price of $14.70 (43.8% 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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