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.
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.
Quaint Oak BancorpQNTO 57 3-Year Share Buyback Ratio is -6.80 as of Jun. 2026. GuruFocus rates QNTO with a GF Score™ of 57/100 and a GF Value™ of $10.39 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,043 Banks companies, Quaint Oak Bancorp ranks worse than 83.99% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Quaint Oak Bancorp's current 3-Year Share Buyback Ratio was -6.80%.
The historical rank and industry rank for Quaint Oak Bancorp's 3-Year Share Buyback Ratio or its related term are showing as below:
QNTO'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -9.3 Med: -0.85 Max: 10.6
Current: -6.8
During the past 13 years, Quaint Oak Bancorp's highest 3-Year Share Buyback Ratio was 10.60%. The lowest was -9.30%. And the median was -0.85%.
QNTO's 3-Year Share Buyback Ratio is ranked worse than 83.99% of 1043
companies
in the Banks industry
Industry Median: -0.2
vs QNTO: -6.80
Quaint Oak Bancorp (OTCPK:QNTO) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Quaint Oak Bancorp 3-Year Share Buyback Ratio Related Terms
QNTO vs EFSG, GNRV, BHDB: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, Quaint Oak Bancorp's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback 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 Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Quaint Oak Bancorp's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Quaint Oak Bancorp's 3-Year Share Buyback Ratio falls into.
Quaint Oak Bancorp 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of -6.80 mean?
Quaint Oak Bancorp (QNTO) has a 3-Year Share Buyback Ratio of -6.80 as of Jun. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Quaint Oak Bancorp and its competitors. According to the industry distribution chart, Quaint Oak Bancorp ranks #876 out of 1043 companies in the Banks industry, placing it in the top 84%.
Is Quaint Oak Bancorp's 3-Year Share Buyback Ratio too high?
Quaint Oak Bancorp's current 3-Year Share Buyback Ratio is -6.80. Based on the distribution chart, Quaint Oak Bancorp ranks #876 out of 1043 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Quaint Oak Bancorp has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Quaint Oak Bancorp's 3-Year Share Buyback Ratio compare to EFSG and GNRV?
According to the Banks industry distribution chart, Quaint Oak Bancorp ranks #876 out of 1043 companies for 3-Year Share Buyback Ratio. This places Quaint Oak Bancorp in the lower half of its 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 Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year Share Buyback 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 Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Quaint Oak Bancorp and its competitors. Quaint Oak Bancorp's current 3-Year Share Buyback Ratio is -6.80. 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 $10.39, compared to a current price of $14.25 — trading 37.2% above its estimated fair value. The current 3-Year Share Buyback Ratio is -6.80. Quaint Oak Bancorp's overall GF Score™ is 57/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Quaint Oak Bancorp (QNTO), the current 3-Year Share Buyback Ratio is -6.80 as of Jun. 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 $14.25 is trading 37.2% above its estimated GF Value™ of $10.39.
GuruFocus considers Quaint Oak Bancorp to be Significantly Overvalued.
Key valuation signals for QNTO:
3-Year Share Buyback Ratio: -6.80
GF Value™: $10.39 vs. price of $14.25 (37.2% 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.
57GF Score
Get the complete analysis for QNTO
3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
QNTO has been successfully added to your 
