Quaint Oak Bancorp, Inc. (QNTO) Fair Value 2026

QNTO · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.2 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (18/100)

Quick Summary — As of 2026-08-27, Quaint Oak Bancorp, Inc. (QNTO) trades at $14.12, versus a $5.35 median fair value across its 5 active models — 62.1% below the current price. QOC: 7.2/10. Value Trap Risk: 18/100 (SAFE). 5/13 models active.

Key Facts

Ticker
QNTO
Price
$14.12
Quality Score
7.2/10
Value Trap Risk
18/100
Models Active
5/13
Last Updated
Strength: 5 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Quaint Oak Bancorp, Inc. (QNTO) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Quaint Oak Bancorp, Inc. (QNTO) appears overvalued as of : the median of 5 independent fair value estimates is $5.35, 62.1% below the current price of $14.12. Estimates range from $1.32 to $18.63. QNTO scores 7.2/10 on fundamental quality and 18/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. QNTO’s -62.1% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Quaint Oak Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give QNTO?

5 Intrinsic Value Models vs. Current Price ($14.12)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $5.35 -62.1%
Intrinsic · High Conviction
 $1.70 -88.0%
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What Is QNTO's Fair Value Range?

Spread across 5 independent models · $1.32 to $18.63

CirclFi's 5 active models place Quaint Oak Bancorp, Inc. (QNTO) between $1.32 and $18.63 per share, a spread of 324% of the median. The median of that range — $5.35 — is the fair value CirclFi publishes for QNTO, against a current price of $14.12.

Low · Regime CrossHigh · FTNN
$1.32median $5.35$18.63
Where the range comes from
Most bearish modelRegime Cross-Sectional$1.32
Most bullish modelFTNN Topology$18.63
Model agreement1 bullish · 4 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for QNTO. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on QNTO, not a CirclFi price target. How each model works →

What Is Quaint Oak Bancorp, Inc. (QNTO) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Quaint Oak Bancorp, Inc.'s intrinsic value is estimated at $5.35. Trading at its current price of $14.12, the valuation engine raises significant caution: 4 of 5 models flag downside risk, projecting a median implied return of -62.1%. Notably, FTNN sees the most upside at +31.9% (fair value: $18.63), while Regime Cross is the most conservative at -90.7% ($1.32). The spread between these extremes — +122.6% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About QNTO?

5 of 13 models are currently active for QNTO. Of these, 1 model suggests upside while 4 models suggest overvaluation. Taken together, their median fair value for QNTO is $5.35 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does QNTO Rank in Banks - Regional?

Among 349 Banks - Regional stocks, QNTO ranks #287 by Quality of Company score. CirclFi's QOC score of 7.2/10 evaluates 32 fundamental signals. A score of 7.2 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

Quaint Oak Bancorp, Inc.'s positioning within the Banks - Regional segment means that cost-to-income ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including digital banking adoption — shape both the opportunity set and risk profile.

Is QNTO a Value Trap?

CirclFi's Value Trap algorithm assigns QNTO a score of 18/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Quaint Oak Bancorp, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Quaint Oak Bancorp, Inc. earns a quality score of 7.2/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +122.6% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every QNTO valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across QNTO's 5 active models, average confidence is 33%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Quaint Oak Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

ECBKECB Bancorp, Inc.QOC 7.2SFNCSimmons First National CorporationQOC 7.2PROVProvident Financial Holdings, Inc.QOC 7.2CULLCullman Bancorp, Inc.QOC 7.2WALWestern Alliance BancorporationQOC 7.2UBCPUnited Bancorp, Inc.QOC 7.2NWPPNew Peoples Bankshares, Inc.QOC 8.7TSBKTimberland Bancorp, Inc.QOC 8.3JUVFJuniata Valley Financial Corp.QOC 7.9ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: ECBK · SFNC · PROV · CULL · WAL · UBCP · NWPP · TSBK · JUVF · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to QNTO?

7 companies across all industries closest to QNTO’s Quality of Company score of 7.2/10.

AMCXAMC Global Media Inc.QOC 7.2ELANElanco Animal Health IncorporatedQOC 7.2BTSGBrightSpring Health Services, Inc.QOC 7.2SSTISoundThinking, Inc.QOC 7.2MYPSPLAYSTUDIOS, Inc.QOC 7.2TLXTelix Pharmaceuticals LimitedQOC 7.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: AMCX · ELAN · BTSG · SSTI · MYPS · TLX · NVDA

Where Does QNTO Sit in CirclFi's Banks - Regional Rankings?

QNTO is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Quaint Oak Bancorp, Inc.’s Valuation?

What is Quaint Oak Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts Quaint Oak Bancorp, Inc. (QNTO)'s intrinsic value at $5.35 — the median of 5 independent model estimates as of 2026-08-27, ranging from $1.32 to $18.63. The Quality of Company score is 7.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is QNTO overvalued or undervalued right now?

At $14.12, 1 of 5 active models suggest QNTO may be undervalued, while 4 indicate potential overvaluation. The median of all 5 fair value estimates is $5.35, 62.1% below the current price of $14.12 — a consensus view that QNTO is overvalued. The assessment depends on which methodology best fits Quaint Oak Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 7.2 mean for QNTO?

Quaint Oak Bancorp, Inc.'s QOC of 7.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on QNTO?

CirclFi analyzes QNTO with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on QNTO?

Of the 5 models currently active on QNTO, FTNN Topology is the most bullish at $18.63 per share, and Regime Cross-Sectional is the most bearish at $1.32. CirclFi's published fair value for QNTO is the median of that range, $5.35, not either extreme. The gap between the two ends equals 324% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is QNTO a value trap in 2026?

Quaint Oak Bancorp, Inc.'s Value Trap score is 18/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Quaint Oak Bancorp, Inc. (QNTO) has a median fair value of $5.35 — 62.1% below the current price of $14.12 — as of 2026-08-27.” Source: circlfi.com/stock/QNTO/ · Methodology
Primary sources for this QNTO valuation
  • Financial statements: Quaint Oak Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001391933) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for QNTO as of ; valuations recomputed .

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