Quaint Oak Bancorp was incorporated in 1926, positioning it as an established regional community bank with deep Pennsylvania roots. As of Q1 2026 (March 31, 2026), the company reported net income of $166,000, or $0.06 per share, compared to a net loss of $83,000 in the same period in 2025, indicating improved profitability trajectory after prior-year challenges.
Cyborg Score Rationale
The company returned to profitability in Q1 2026 with positive earnings and improved underlying operating trends compared to the prior year, which is positive. However, as a micro-cap OTC-traded regional bank with limited data transparency and modest earnings, the company faces structural challenges typical of small community banks. The company's 2021 investment in Oakmont Capital Holdings (51% ownership stake) for equipment financing diversifies revenue, though scale remains limited.
Top Insights
Q1 2026 profitability return ($166K net income, $0.06 per share) marks inflection after prior-year losses; CEO cited improved underlying operating trends as foundation for 2026 progress
Subsidiary diversification through Quaint Oak Mortgage (origination platform), Quaint Oak Insurance Agency, and majority equity stake in Oakmont Capital Holdings (multi-state equipment finance operating since 1998 across all 50 states) reduces core banking concentration
Full-year 2024 net income of $2.8 million ($1.08 per share) represented growth vs. 2023's $2.0 million ($0.90 per share), though Q4 2024 earnings of $1.6 million show seasonal volatility
OTC trading and micro-cap status ($2.7M market cap estimate at ~$0.06 Q1 2026 EPS on 2.7M shares outstanding) limits institutional investor access and liquidity relative to regional bank peers
Named Competitors
Seneca Bancorp — Community bank peer
Ponce Financial Group — Regional community bank
Colony Bankcorp — Regional banking services
PNC Bank — Large regional bank competing for deposits and loans in Pennsylvania
Wells Fargo — National bank competitor in commercial and retail banking
Recent Developments
(April 2026) Q1 2026 earnings announced with $166K net income, returning to profitability after Q1 2025 net loss of $83K
(January 2025) Full-year 2024 earnings of $2.8 million reported, up 40% vs. 2023; Q4 2024 quarterly income $1.6 million, up 38.3% year-over-year
(January 2021) Invested $3.0 million for 51% majority stake in Oakmont Capital Holdings, diversifying into multi-state equipment finance
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